BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted TransUnion on XX/XX/XXXX about inaccurate information reporting on my credit report. It was sent with a delivery confirmation, so I know they received it and they have not responded with the 30 days required under FCRA consumer laws.

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've obtained a copy of my consumer credit report from the three major credit bureaus to check the information reporting to ensure it was accurate according to USC title 15 1681i ( 5 ). 

I've waited 30 days to receive the investigation results which everything was still on reporting exactly the same on my credit report as the previous month. The credit reporting agencies XXXX, XXXX, and TransUnion did not modify and/or remove any items on my credit report. 

The primary information being reported incorrectly are the payment histories on my XXXX XXXX XXXX, XXXX XXXX, and XXXX accounts. 

This is a violation of the Fair Credit Reporting Act which is harming me from obtaining funding to further my 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i paid a debt to synchrony bank in XX/XX/2021 and i have been trying to get that removed from my credit report as

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This also states a balance of {$120.00} with a past due balance of {$97.00}. This is inaccurate and needs to be REMOVED. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. Also balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am requesting that it will be removed from my credit report as soon as possible.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$41000.00}

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 2023-02-14
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We applied for a HELOC Line of credit. We were approved for XXXX. We were told that in order to accept the loan, they would have to roll our car debt into the loan so we did. We were also told by XXXX that we could LOCK IN OUR INTEREST AT AROUND 9 %. He gave us a quote of a XXXX a month payment without locking in the interest rate which could go up. He also quoted a monthly payment of XXXX a month with the cost of locking in the interest rate so we decided to take the XXXX a month payment. 

Our first payment was XXXX. However! When we received our second payment, it was XXXX when we called. We were told that the interest rate had gone up. We told them that we were paying XXXX a month because we were told by XXXX that our interest rate was locked in at XXXX  %. Our interest rate is now XXXX % and was NEVER LOCKED IN. I called XXXX and asked him what happened. He told me that HE NEVER TOLD ME THAT!! HE WAS LYING!!! The reason that we moved forward on the HELOC with Pen Fed is because Pen Fed quoted us a XXXX a month payment with a LOCKED-IN RATE OF 9 %. Now they are telling us that our payment is going to rise and it would cost us XXXX dollars a month if we wanted to LOCK IT IN at XXXX % THEY ARE VERY DECEIVING. Our XXXX XXXX is now XXXX and rising... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Called me at XXXX XXXX  Tuesday morning XX/XX/XXXX. Called me and told me that he had been bringing this up. Told me that I was the 3rd person that he had talked to. He also said that his other teammates are having the same experience as well. He said that this is becoming a trend. He encouraged me to escalate the issue.

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 2022-02-28
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a problem with a subscription service charging a credit card which I had paid off. Because I selected electronic billing, the credit card never sent a bill to me telling me there were charges so I never checked. I have credit monitoring and after the first delinquency notice I called the subscription and thought I turned off the product. They continued to charge, however. I didn't notice for a couple of months due to travel and was just busy- but saw my almost perfect score plummet over 75 points for repeated not paying my credit card. I called the credit card co - they told me to contact the XXXX agencies. I contacted EACH ONE and all worked MARVELOUS! They believed my story given my continuous payment history and the small amount involved ( less that {$50.00} a month ). However, Pentagon Federal Credit Union ( PFCU ) provides it's own scores - but based on the 3 XXXX  agencies. I use them, being a veteran, and once I saw their score wasn't changed I called them. They would not change the score! I asked them why- they couldn't give me a rationale. I assumed that it just took time, a month or so, but asked them to investigate and change the score. They just sent me an letter denying my request to change the score without telling me WHY. The score continues to by less than 700 while XXXX, XXXX and XXXX have a range of 790-820 depending on monthly balances. I believe they are doing this because I use their products and was trying to obtain another larger HELOC loan. Or just bureaucratic bs. Again, their excuse for not changing it is " this is what your score is now '', not even bothering to look at the 3 major XXXX score reporting agencies to see if it's been corrected or changed. They insist " I '' must provide reports from all three! When they have access to the information and I gave them permission for HARD credit score checks.

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 2018-02-01
Company: DISCOVER BANK
State: TX
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:
Upon checking my credit report I noticed this unauthorized fraudulent account from Discover Card. I never authorized to open a discover card, as I have never owned a card from this establishment nonwhatosver period

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have received a response from Transunion. On XX/XX/XXXX I have sent a letter regarding on the ability to opt out of multiple accounts on my consumer report. Transunion is being deceptive and changing the topic on a letter I have hand wrote. I have hand wrote it because I know an automated system could not detect my handwriting, so only a natural person can read and understand on my statements. Transunion has sent me a identity theft by mail in which they are being false, misleading, and deceptive because they are the person who sent my personal information to third party affiliations without my permission which is identity theft. This is a violation of permissible purposes of the fair credit reporting act and a violation of 15usc6802. I stated in 15usc6802 ( b ) ( A ) ( B ) ( C ) I have not received any explanation on how I can exercise the nondisclosure option. Attached to this response is my handwritten letter and Transunions response. I want to opt out of the XXXX XXXX accounts from consumer report.

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 2023-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Experiance at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2023 XX/XX/2023 my company changed thier pay roll company from XXXX to XXXX. The checks look different however they are still Bank Of America checks from a BOfA customer. For 3 pay periods in a row Bank Of America has refused to cash my paper pay roll stating the reason of not having a imagine of what the new checks look like. Please keep in mind 1. This is from a Bank of America its thier check, so they should have an image 2. My employer has XXXX of employees that receive these checks every 2 weeks, so they should have an image.

3. If they rely on past imaging why does it take so long for up to date information.

4. At the very least should have an authorization for these checks.

Instead They advised me to deposit my pay roll in to my account at my bank or open an account with them.

The issue is why doesnt BOfA take BOfA checks not whether or not I have direct deposit.

The issue is if BOfA cant cash paper checks why offer them to your customers to give as payroll. This is not a personal check.

The issue is if you have this system in place why does it take so long to update. 


I have to go to a sketchy XXXX in XXXX to cash these checks.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & 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 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-28
Company: Genesis FS Card Services, Inc.
State: CA
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:
Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. GENESIS FS CARDSERVICES/MILESTONE XXXX  MASTERCARD/TBOM/MILESTONE has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with GENESIS FS CARDSERVICES/MILESTONE XXXX  MASTERCARD/XXXX/MILESTONE, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting GENESIS FS CARDSERVICES/MILESTONE GOLD MASTERCARDXXXX/MILESTONE delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: NJ
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 have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EOS Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent you a written request to validate my debt having account no. XXXX on XX/XX/2021. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, I have received no reply from you except the confirmation ( by mail ) that you did receive my request for validation of debt on XX/XX/2021. However, the credit bureaus have already sent in their " verified '' documents. 

As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of {$1000.00}, which I can collect by filing a claim in the small claims court. I intend to follow through with the claim if I don't hear back from you within the next 15 calendar days.

This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character, as any negative marking on my credit report would adversely affect my credit. I hope your legal staff will agree that non-compliance with this request could lead your company to serious legal trouble with the FTC and other state/federal agencies. 

I am demanding immediate removal of this account from your firm records and my credit report if reported and a copy of such deletion ( to any/all of the major credit reporting bureaus : XXXX, XXXX, XXXX, XXXX, or any third party ) request shall be sent to me immediately. 

IMPORTANT : PLEASE CONSIDER THIS LETTER AS A NOTICE OF INTENT TO FILE A LAWSUIT, WHERE I RESERVE MY LEGAL RIGHT TO START LITIGATION WITHOUT PROVIDING A FUTURE NOTICE. 

I am waiting for your immediate action to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX. XXXX XXXX : XXXX XXXX : XXXX ; XXXX : disputed. No response over 1 year. To add, do not owe the agency because my medical insurance covers yearly medical exam/ check up. 

XXXX. XXXX card is paid in full. Not credit reporting. Paid in full. No late payments. Closest XXXX. XXXX XXXX was not open by me. 
XXXX. XXXX XXXX report late XXXX ; however I am paying on time. : XXXX. XXXX insurance ; XXXX : agreement on payment made XX/XX/XXXX before the report was made as a debt on my credit account, last payment was completed. 
XXXX. XXXX XXXX XXXX : paid off XX/XX/XXXX ; reporting high balance. Closed. 
XXXX. XXXX XXXX XXXX Bank : reporting XXXX ; not my account/ didnt open this account. 
XXXX XXXX : XXXX and XXXX ; paid in full on both accounts ; never late.Bank agreement was to remove and the bank did not. 
XXXX : did not open account ; disputed several times and all XXXX credit bureaus did respond and agreed the account was not open by me. However, still showing on my credit reports

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023.

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