BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have late payments showing on my credit report with my XXXX XXXX XXXX credit card from XXXX and XX/XX/. Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 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.

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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was reviewing a copy of my XXXX credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly investigate, update and delete addresses that I never resided and may possibly be listed on my credit report due to fraud

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-09-23
Company: Experian Information Solutions Inc.
State: NY
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:
My student loan account is reporting a late payment on 9 different accounts during the time of COVID. I reached out to the Credit Bureaus no update o even emailed the the XXXX XXXX on XX/XX/XXXX who stated that they cant have the account updated. According to the Student Aid website loans are paused with 0 interest. I have never been late on my payments always been in deferment. Please provide me with an update

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 2018-06-27
Company: Midwest Recovery Systems
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company Midwest Recovery appeared on all three of my credit reports. I have never heard of XXXX XXXX they have them listed as the original creditor. I have written the company to validate this collection and have not received any response. This is not my account. I have never applied for a payday loan. I would like this removed from all 3 credit reports. The amount {$600.00}. They put this account on my credit on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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 information incorrect

Complaint:
In accordance with the fair credit Reporting XXXX XXXX XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.

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 2021-10-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I ___, I am a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have tried to dispute some fraudulent accounts on my credit report and the paperwork I am submitting per the FCRA is not being attached properly to my disputes and not getting processed correctly. And I am not getting copies of the verification process. 

These are the accounts : 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 2023-08-30
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed or omitted as soon as possible. 
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 2021-11-12
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have applied for a XXXX credit card back in XXXX an I havent received my card in the mail as of yet XX/XX/XXXX, I have called numerous times trying to get help they say they will do a dispute for fraud and they havent done so its hard to speak with someone then I do they have to mail me out a letter to verify its me because I dont no my account number only the last four digits but they can call me to ask for a payment what a joke and I no for sure that this XXXX credit card comes already activated and it shouldnt like other credit cards out here now I called 7x and still not getting the help that I need I explained to them I havent made no purchases off this card I live in XXXX nj they have no proof I made these chargers or my Id this company is a fraud and I will like for my bill to be fix and closed Im not paying for no one chargers thats on this account and its a lot of bad reviews regarding this XXXX company ridiculous I shouldnt taken 7 calls to get my dispute in correctly..they supposed to mail me a new card with a new account number I still havent received that yet they dont have too because now I want this account closed!!!

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: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I pulled my consumer report and notice a few unfamiliar items. I ask that these items are removed from profile immediately. Accounts are as follow : 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 2022-09-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX XXXX, and XXXX/XXXX. This has caused me great XXXX, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Received a prescreened offer for a credit card from Citi Simplicity Mastercard, I pay all of my cards sometimes most of the time over my required payment due. I was sent an application in which I called several numbers XXXX, then I was given another number, then XXXX, basically took about 7 minutes before I finally got through to someone. One time was asked to call back because their system was down. To be told that I would receive an answer in the mail. The date I called on was Friday XX/XX/19 at XXXX. I finished talking with someone by XXXX or around that time. The invitation number was 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 2023-07-18
Company: Experian Information Solutions Inc.
State: FL
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:
Experian XXXX XXXX XXXX XXXX XXXX # XXXX recently reviewed my credit report and I found unauthorized account on records etc., In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all unauthorized an have no Permissible use. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on please validate an delete at once

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 2021-10-29
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Big issues with Comenity Bank. 
I recently Received a hard credit pull to purchase a home and was informed that my Excellent credit has been dropping because of Several unpaid payments to an old Credit card I have not used in almost 5 months. When Looking into the XXXX XXXX Credit card issue I discovered that After I had paid off the card in full on XX/XX/21 for the full amount of {$220.00} XXXX placed the card away in my safe hand have not used it. After paying off the card in full, Comenity Bank then added on an unknown Financial charge fee of {$4.00} a week later, because they added on a balance they then proceeded to add on Late fees and minimum interest charges without contacting me directly for the next several months. Months later on XX/XX/21 I finally received an email showing a new balance of {$22.00} on my card and my credit score had dropped due to the companies sketchy business practices. I have Statements showing the card was paid in full and And after contacting the number on the card [ XXXX ] and asking for the card to be closed I had to call XXXX times before a woman by the name of XXXX, badge XXXX finally was able to actualy close my card. Now my near-perfect credit score is damaged by this company, and I was charged a fee of {$4.00} just to close the card The bank website of : https : /XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
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 am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for their refusal to investigate my dispute and the false accusation of using an unauthorized third party. On XX/XX/, I submitted a dispute letter to TransUnion regarding the following items : XXXX. XXXX - XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - XXXX XXXX. XXXXXXXX XXXX XXXX - XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX 5. Bankruptcy Reference Number : XXXX Additionally, I addressed concerns about incorrect personal information, including names and addresses. I recently received a response from TransUnion dated XX/XX/2023, in which they refused to investigate these items, claiming they do not believe the dispute is coming from me. This is a false accusation, as I did submit the dispute myself. I am attaching a copy of my original dispute and TransUnion 's response as supporting evidence.

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 2022-09-13
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently transferred from XXXXXXXX XXXX  to Mr Cooper in XXXX. All of their written communications said that any payment made to XXXX before the transfer for XXXX payments would be automatically forwarded to Mr. Cooper. I made a mortgage payment for the month of XXXX to XXXX on XX/XX/XXXX for {$840.00}, before the transfer of mortgage took place, with the understanding that the payment would be transferred automatically to Mr. Cooper. It still has not been. In order to pay my mortgage for XXXX through Mr Cooper I had to pay the XXXX mortgage AGAIN since they would not accept payment for XXXX without the payment being processed for XXXX, which XXXX  or Mr Cooper still haven't processed, so I have now had to pay my mortgage for XXXX TWICE, which I can not afford. Neither companies is able to help me or tell me where my money is or when it will be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The Merchant XXXX XXXX XXXX XXXX XXXX  1 ) Advertised and contractually wrote " Guaranteed Lowest Price After the Sale '' but has refused to Honor the contractually agreed upon terms. 
2 ) " XXXX XXXX XXXX '' incorrectly & illegally charged double ( me and the manufacturer ) for the same product and sat on the money for several months committing bank fraud, and a Ponzi Scheme profiting from duplicate payments for the same products and forcing the Consumer to give this business an interest free loan. In effect Cooking their books. 
3 ) The Card Issuer Synchrony Bank Mishandled the Dispute process multiple times. Federal and State Banking regulations REQUIRE that if the Merchant fails to respond and properly address the consumer dispute within 60-days, the providing Bank MUST render a decision in the consumer 's favor and fully credit the dispute. Synchrony Bank failed to comply with these reg 's and laws multiple times. 
4 ) The Merchant XXXX XXXX XXXX XXXX XXXX  responded to totally irrelevant and off-point matter ignoring the basis and facts of my dispute and offered only irrelevant responses which mad them and Synchrony Bank XXXX Out-of-Compliance '' with the 60-Day Response requirement rule. 
5 ) Synchrony was there fore required to return a decision in the consumer 's favor and credit the dispute as filed. They failed multiple times.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report 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