BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 2023-07-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6400.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-25
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: Information belongs to someone else

Complaint:
I am submitting a complaint to you today to inform and notify you that I am a victim of Identity theft. There are accounts in my file that are erroneous and must be blocked or removed, I have already sent the required and necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please block these accounts : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX  Balance {$3400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00}

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 non-monetary relief
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
as of XXXX there was a hard inquiry on my TransUnion credit report under my previous name ( as I remarried last year ) and used a previous address back in XXXX. I never Authorized this. The company 's name is XXXX XXXX XXXX XXXX ( credit card company ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i reached out to them on XXXX XXXX XXXX XXXX spoke to a lady named XXXX in customer security fraud dept. In order for her to look up my acct she needed to have my whole ss # ( as it couldn't be found under the last four digits ) which i was so scared to do so but wasn't sure what else to do. she found it the application ID # XXXX she said she marked this as fraud and would send TransUnion a letter to remove the inquiry which would take 30 to 45 days. However when i spoke to TransUnion they told me to asked for a deletion letter. As i asked for this she refused to send me any confirmation of this being a fraud case. Transunion did however put a security freeze and fraud alert on my credit report. Now i have another issue. I have sent TransUnion all the necessary paperwork ( cert. mail ) to change my address, last name, and remove the hard inquiry ( copies of DL, SS # that has my correct name and address ) also 2nd form of Proof of Address, XXXX  Lic, IRS tax paper and Identity Theft Report ) on XXXX i spoke to TransUnion at XXXX ( Ash special handling supervisor ) They refuse to change my address because i sent documents ( a doctor bill and IRS tax paper ) with a date on it XXXX with new address and they said that's to old they also will not change my last name because my court certified marriage license does not say my new last name ( even though my drivers license and ss # does ) they asked me to call the court house to get some kind documentation on name change. The clerk chuckled and said we do not do that and the clerk said apparently TransUnion doesn't know what they are doing. Also he said my Identity theft report was not signed or dated ( it is and there is also a FTC report number on it ) there for i cant not dispute the hard inquiry. So now I am at lost of how to handle this. i do not have a scanner to send any documents

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-01
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have been payments to One Main Financial for over 5 years and the principal interest is still the same. When I am late on my payment I feel like I am being forced to refinance. They would offer me more money and the interest is higher. They keep offering refinancing or demand me to come up with payments otherwise they will repossess my vehicle. At the time I had no choice but to refinance or they will take my vehicle. Im so sad as I feel that I will paying a {$17000.00} loan for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am submitting this complaint on behalf of myself. I do not have Capital One nor am I responsible for said account. It is sad that these companies can flat out violate the federal law like this. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I will be filing with the federal courts about the continuous back and forth with the credit reporting agencies and companies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify not one thing. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level. The Capital One account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 29 It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-08-12
Company: Experian Information Solutions Inc.
State: LA
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:
On XXXX, I filed a complaint # XXXX with the CFPB against Experian for failing to provide certified proof of alleged XXXX XXXX XXXX # XXXX. In Exhibit B you will find a copy of the CFPB Complaint. 

The alleged account ( XXXX XXXX XXXX # XXXX ) listed in Exhibit D is invalid, inaccurate, and carry no documented evidence of its existence. To the least, they have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable inquiries on my credit report. 

On XXXX, I received Experian Report # XXXX. I carefully reviewed your response to my CFPB complaint in which you stated The Company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. A copy of Experian Report # XXXX attached in Exhibit C. 

Your response to my complaint did not provide me with any certified proof on how you verified the alleged XXXX XXXX XXXX  # XXXX. I specifically asked Experian for certified proof that your office complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

Experian has a duty to verify the information as XXXX accurate. The FCRA also states that the consumer can demand that the credit bureau ( Experian ) provide certified proof that the information that they ( Experian ) publish or provide is in fact XXXX timely and accurate. 

Experian can not simply say that the information was certified. You must also produce said certification when I consumer asks for it, which is their right under the FCRA. 

Experians failure to provide this proof is a violation of the FCRA. Your failure to do your lawful duty is documented in my CFPB complaint and in your response to my complaint. ( Copied from attached Affidavit ) ****

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-04
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: Personal information incorrect

Complaint:
I would like my name corrected on my consumer report, and I would like nicknames and so forth deleted from my consumer report, In essence, by the law 5 U.S.C. 552a, Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There are dozens of inquiries ... ... someone are trying to access credit .... I placed a fraud alert and security freeze but before I knew it there were 70 inquiries .....

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 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint to regarding Bank of America. Claim # XXXX. Claim Submitted date XX/XX/2021 in the amount of {$3400.00}. 

While using my card on vacation at the mall, I was in a hurry and quickly put my card in my pocket which must of fallen out. I did not realize my card was missing till later that night. I checked my account the following morning and noticed my account fully drained of money. I called Bank of America right away and told the customer service rep what happen and she filed the fraud claim for the transactions. I asked for temporary credits as I was on vacation and had no money to get home. She told me she will also file for hardship and I should hear back within 24-48 hours. I waited 2 days and did not hear anything back so I called Bank of America claims dept again and was told that Bank of America is declining my hardship claim and I will have to wait 10 days for any temporary credits. The customer service rep told me I can apply for a balance assist. To no surprise I was denied balance assist as well. I had to borrow money from family and friends just to get home as BOA refuse to help me with any temporary credits. Two days before the 10 days BOA said they had to give me temporary credits, BOA denied my claim and told me they can not give me any funds at all totaling {$3400.00}. I called the claims dept right away and was told by a customer service rep someone that was authorized used my card and the transactions were in line with what I usually purchase. I told the customer service rep again that my card is missing and if they actually look at my transactions they will see I do not purchase high dollar amount of clothes or have been to any of those stores and the fact my account was fully drained of money. The customer service rep also told me BOA did not even dispute these transactions with the merchants at all. I am very unhappy with the way BOA has been treating me and I will be reconsidering doing future business with BOA.

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 2022-10-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  Monthly Mortgage Statement errors XX/XX/2022 through XXXX XXXX  22 Monthly Mortgage Statement Errors Customer Transaction history errors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Diversified Adjustment Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DIVERSIFIED ADJUSTMENTSxxxxxx XXXX To Whom It May Concern, The reason for my dispute is DIVERSIFIED ADJUSTMENTS was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also DIVERSIFIED ADJUSTMENTS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 DIVERSIFIED ADJUSTMENTS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DIVERSIFIED ADJUSTMENTS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DIVERSIFIED ADJUSTMENTS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. If DIVERSIFIED ADJUSTMENTS even tried to contact me regarding this Fraudulent collection account I will sued for harassment. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX according to USPS Certified Mail TransUnion received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 120 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 120 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon so they should be deleted promptly.

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 2021-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I called XXXX XXXX  for a different matter than what this complaint is about. I spoke to XXXX at XXXX. I found out that my XXXX account was written off to fraud in XXXX. XXXX stated that I did not owe this debt since they wrote it off. He told me to call Portfolio Recovery Associates and to have them remove the debt off of my credit reports that has been reporting since XX/XX/XXXX. I told him that as of two months ago I was still receiving notices to pay and that I owe them this debt. He stated that the debt is not owed. In XX/XX/XXXX Portfolio Recovery Associates attempted to sue me in my local court system. He said it was written off before then. As of the date of the write off to fraud, Portfolio Recovery Associates has continued to break the FDCPA and my rights under federal law. They have caused me great financial harm. I have contested this debt several times through the credit bureaus with no relief. Portfolio Recovery Associates continue to tell the credit bureaus this is a valid debt, which it is not.

Company response to consumer: Closed with explanation