BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Violation of Compliance Procedures/ Violation of Disputed Accuracy. 

Dear TransUnion, You stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date of last activities is inaccurate and the date last reported is not accurate and the accounts still contain missing information. 

This is a violation of 15 U.S.C. 1681e ( b ) ( Accuracy of Report ) and 15 U.S.C 1681i ( XXXX in XXXX of XXXX XXXX ). The following account is still not being reported accurately, I request that the following account be removed immediately : 1 ) Account Name : XXXX/Account XXXX The Date of last activity is incorrect, the date reported is inaccurate and the date of last payment is reporting incorrectly. 

XXXX ) Account XXXX : XXXX Account XXXX The date reported is inaccurate, the date reported is not correct and contains missing information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Transunion credit report showed Account Name XXXX XXXX XXXX XXXX Account Type XXXX XXXX Date Opened XX/XX/XXXX Balance {$3800.00} As of XX/XX/XXXX Opening Balance {$2800.00} Closed Date XX/XX/XXXX However, I looked the loan up online and it said the loan was taken out in XXXX and paid in full in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021, I received an email notification from the Navy Federal Credit Union ( NFCU ) that for free XXXX year XXXX XXXX member if I use my NFCU Flagship credit card for the XXXX XXXX purchase or renewal. The email red, Make getting your summer essentials simple with a free year of XXXX XXXX. Just pay the annual membership fee with your XXXX credit card, and well reimburse you. Thats up to a {$130.00} value! 

Already Have Prime? 
Renew your annual membership with your card before XXXX XXXX, 2021, and well credit your account. 

On XX/XX/2021, I renewed my prime membership using my NFCU XXXX credit card. 

I followed up in XXXX with XXXX as to why I did not receive account credit, and they explained it will take XXXX weeks. 

I also followed up in XXXX and was told that I should receive credit with XXXX business days. After XXXX business days, I called and was informed I will not receive the credit since I took advantage of promotion in the previous year. 

However, there was no overlapping in service, and this email was different from previous promotion email. Promotion did not specify that those that have use the promotion in the past do not qualify. Also, if that was the case, why send me the promotion again as NFCU already have information that I used promotion the previous year. 

I explained to them the advertisement did not state so, and that I only renewed XXXX XXXX because of the promotion. I asked for escalation and was placed on hold for over an hour to be told there is nothing NFCU can due. 

This is unacceptable as I was misled to sign up for XXXX XXXX and did not receive account credit for the cost. I have no choice at this point but to involve CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  has reported my balance incorrect since XX/XX/XXXX showing I owe XXXX the amount I purchased the car at, can this matter be updated correctly, as they haved reported on time payment 's every month but the balance does not reflect that. ( Year XXXX XXXX ) also I have attempted to get this matter resolved with them, and unable to get this understood. 
I was giving a reply they charge a interest per day this just does not seem correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed a late reporting on my account with XXXX XXXX XXXX account ending in XXXX.I called XXXX to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
( See complaint : XXXX, which remains unacknowledged by Experian as of XXXX XX/XX/ XXXX  ) I have discovered multiple unrecognised and unauthorised enquiries on my personal credit file. Experian has not responded to three requests for additional information about this access, and specifically, identification of the 'permissible purpose ', required by law. 

Copies of my requests for the required information from Experian have been uploaded, the most recent of which was sent by Certified United States Mail. Proof of delivery ( signature ) is included. 

These mail requests were sent to Experian on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I completed a XXXXn survey with the XXXX XXXX program. The honorarium was {$30.00} and issued to me in the form of a US Bank National Association XXXX debit card. The survey was completed XX/XX/XXXX. I received the debit card about one month later. The expiration date of the card was clearly indicated on the front of the card as XX/XX/XXXX. I wanted to use the card on XX/XX/XXXX but learned that {$2.00} per month had been deducted starting 90 days after I received and activated the card. The total deducted to date is {$8.00}. This is highly egregious and illegal in several states. In addition, I believe Federal law would prevent a gift card from loosing value in such a short period of time. I asked the bank to reverse the charges and they refused. When asked to intervene, XXXX XXXX program told me to take it up with the bank. Further attempts to speak to someone at XXXX  have gone unanswered. I am asking for your help in resolving what I feel to be a highly unjust matter. It is not the {$8.00} but the principle in this case that a card given as a compensation should not start to be devalued after an extremely short 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to formally register a complaint concerning several issues related to my credit report, specifically regarding multiple collection attempts and unauthorized inquiries. 

I recently reviewed my credit report and discovered several problems that have negatively impacted my creditworthiness and financial well-being. I wish to highlight the following issues : I have identified multiple entries on my credit report indicating that I owe debts to collection agencies. To the best of my knowledge, I have not incurred any debts that warrant collection efforts. These entries are not only inaccurate but also damaging to my credit history. I have also noticed several unauthorized credit inquiries on my credit report. I did not provide consent for these inquiries, and they have adversely affected my credit score. I suspect that these inquiries are a result of identity theft or errors in reporting. 

I understand the importance of accurate credit reporting and its significant impact on my financial stability. The inaccuracies on my credit report have caused undue stress and have hindered my ability to access financial products and services. 

I kindly request the following actions to address these issues promptly : Investigate and correct the inaccuracies in my credit report, including the removal of unwarranted collection entries and unauthorized inquiries. 

Provide me with a detailed explanation of the circumstances surrounding these inaccuracies, including how they occurred and the steps taken to prevent their recurrence. 

Issue a formal letter confirming the corrections made to my credit report and ensure that all credit reporting agencies have been notified of these corrections. 

Implement measures to safeguard my personal information and prevent unauthorized access to my credit report in the future. 

I expect a thorough and swift resolution of these issues, as the inaccuracies on my credit report are causing significant financial harm and distress. Failure to address these concerns satisfactorily may compel me to seek legal remedies to protect my rights as a consumer. The following items are needs to be removed : XXXX XXXX XXXX  XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian sent me a letter on XXXX XXXX 2018 stating XXXX Credit was deleted and has been removed. But I checked my credit and found it is still reporting on my credit please reinvestigate and delete as promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never applied for this companies, i don't have any contracts with my signature, I believe, that i was victim of Identity Theft, somebody stole my personal information and applied for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, XXXX XXXX transferred money from a ROTH IRA  held at that institution to Ally Bank. The deposit was mistakenly put into a TRADITIONAL IRA which makes the amount subject to taxation while the Roth is tax free. I have communicated by phone and email with Ally on five different occasions regarding the steps to take to correct this. Despite asking for one representative to be assigned to handle this case, each rep that has communicated with me has said that Ally 's policy is to let random selection choose whoever you communicate with when you send an email or make a phone call to them ( which requires long periods on hold ). The most recent email from their rep on XX/XX/XXXX stated that even though I submitted all the forms previously requested, they now want a conversion and rollover form submitted to put the money into a Roth account. My tax planner stated that is exactly what NOT to do since that paperwork would trigger the fact that this money would be taxable and would lose its tax free status. This bank is extremely difficult to communicate with and obtain resolutions with issues. No one person seems to be assigned to handle an on-going problem and you end up with a roulette wheel where you spin it and see who you get and how that person 's answer may not be the same as the previous one you received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This will be my 2nd request for an accurate update and to no avail has it been corrected on my credit report, nor updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: PHH Mortgage Services Corporation
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Mortgage company XXXX/PHH mortgage reported a late payment XXXX 2017. The payment was not late and was submitted electronically via bill pay on XXXX XXXX ( I have bank proof ). I also received a letter/voicemail from XXXX XXXX that this would not be reported late, the late charges were even removed. The payment somehow was lost in their system and it took days and countless phone calls to retrieve it. 
After filing an investigation via XXXX, PHH Mortgage denied it, claiming it was late. I have evidence to the contrary.
Also, XXXX has zero credibility anymore and should be dissolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/1989 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX HM XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

SYNCB/POLARI : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief