BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My mom, them left Me some land and they had some loans on the land now that the mortgage has win IN XXXX closures. So they're trying to put the loan on my credit history that I did not 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: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize these inquiries 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 2018-04-24
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/XXXX : Purchased XXXX  Gift Card ( {$500.00} ) at XXXX in XXXX CA ( next to XXXX ). Had trouble activating the card, but was going to New York for the weekend, so decided to wait. 
XX/XX/XXXX : Came back from NY and went back to XXXX ( where I purchased gift card ) to sort out problem. Was told to call customer service on the back of the card, which I did. Called in to activate card at around XXXX. When I got home and logged in to check my card balance, I found that my card has been fraudulently used at a XXXX in XXXX XXXX, to the amount of {$490.00}. Called into fraud department for the gift card issuer and was told to fill out dispute form that they will MAIL to me. 
XX/XX/XXXX : called in to fraud department to ask them to change the mail address from my XXXX California address ( parent 's house ) to my XXXX  address, so I don't waste time. 
XX/XX/XXXX : called in to fraud department and confirmed that the dispute letter was sent on the XX/XX/XXXX, so it was just a matter of waiting. 
XX/XX/XXXX : Parents call me to let me know that they received the mail ( so the mailing address was not changed ... ) and that they will be mailing me the letter XX/XX/XXXX : got the letter and faxed in the filled out form. 
XX/XX/XXXX : called in again to confirm that they have received my fax ( filled out dispute form and any other documents that I provided, such as receipt ) XX/XX/XXXX : filed my complaint with CFPB because many online have said they are notoriously slow with responding, and with the help of CFPB, maybe things will be better.

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 2023-06-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2020-03-03
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I completed the application for public service loan forgiveness in XX/XX/XXXX following 12 years in public service. I have spoken with Fed Loan Servicing several times since completing my application asking for explanations of why most of my payments were not accepted. They told me repeatedly they were not done reviewing and would be in a month or two. I would call again and get the same answer. When I called today I was told they finished reviewing, though they had made no changes since they told me over the phone, when I called in mid XXXX following receipt of a letter dated XX/XX/XXXX, they would be done reviewing at the end of XXXX. They finally told me today they would review no more. 

I am not sure what course of action to take at this point. Any direction you could give me would be appreciate. 

The following is an email I sent to fed loan servicing today after I was told they reached a final conclusion and would review my previous loans no longer : " My name is XXXX XXXX, date of birth XX/XX/XXXX. I am writing to request my loan payment be reconsidered for eligibility based on the new regulations of the Temporary Expanded Public Loan Forgiveness guidelines and because I believe some income based qualified payments were not counted. 

I began repaying my student loans to American Education Services in XXXX. Initially my loans were not consolidated. 

My loans were then transferred to XXXX XXXX  in XX/XX/XXXX, when they were consolidated. I believe the consolidated loan payments, which did not quality under PSLF guidelines, now qualify under XXXX. 

My loans were then transferred to XXXX in XX/XX/XXXX, where I then began on the income based repayment plan. 

I continued to make payments under the income based repayment plan from XX/XX/XXXX and do so currently. I have never been late for a payment so every single payment make should qualify. 

I deferred exactly 3 months ( 3 payments ) during the duration of time I have been repaying my student loans. The dates of those deferments were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

From XX/XX/XXXX through XX/XX/XXXX, I did not work for a qualifying employer so payments made during that time period do not count. 

According to my calculations, I have now made 107 payments, with the most recent being XX/XX/XXXX. I understand that number to be accurate for both my XXXX loan as well as my XXXX   loan because payments for both loans are made together in one lump sum each month. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I placed a credit freeze on my Equifax account. My printout from then says : " A Security Freeze has been placed on your Equifax Credit File on XX/XX/XXXX. In order to ( i ) permanently remove the security freeze or XXXX ii ) authorize Equifax to release your credit file for a specific period of time, you must provide us with a 10 digit personal identification number ( PIN ). Your PIN is <my pin>. It is for your personal use only and should not be provided to anyone else, including potential creditors. '' I was on the understanding that a PIN would be required to unfreeze my account. Today, XX/XX/XXXX, I went into Equifax 's website, created a 'My Equifax XXXX account to manage this freeze, and then temporarily unfreeze it for a mortgage application. During this process they asked for my name, address, phone number, SSN, and email. They then sent a verification code to the email I provided. I was then able to temporarily unfreeze my credit file with them WITHOUT EVER ENTERING MY PIN. 

All of this information is effectively public domain at this point ( and in their original breach ), and the email I provided was not for verification purposes but entirely under my control to create this my equifax account. Anyone could have done so and unfrozen my credit file and commit fraud against me WITHOUT the PIN they promised would be required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have tried several times to resolve an issue where a company with access to my account without my permission charged my card {$950.00} and change. I reached out to the company to XXXX, they did not answer my calls, emails or text messages once they stole the money out of my account. Once I disputed the matter BOA provided a temporary credit. I then received a credit reversal that over drafted my account. I asked for the reason for the reversal and BOA mailed me what appeared to be a fake lease document that they reported as a lease agreement. I immediately reached out to the real company and provided them a copy of the fake documents. The apartments management team provided a letter stating that I do not have a lease agreement nor application on file with their company. BOA stated that they authenticated the document which is obviously fake. BOA has yet to respond to my requests to reopen the case so that I can properly have the case looked into. I was told by a representative that they do not verify information that is sent in by the consumer. I continue to submit documents as requested only to be left holding the bag for criminals who Bank of America has not properly investigated. 

This means that people and defraud innocent people and Bank of America will do nothing to protect their consumers from thieves.

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 2023-12-08
Company: EQUIFAX, INC.
State: IL
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 was in the process of buying a house and i realized i had damages on my credit report. According to the ( 15 USC 1681 law ) there should not be any damages on my report, it is defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Klarna AB
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/2021 My debit card was used to make a payment on an unknown Klarna account XXXX for {$74.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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 2019-10-01
Company: Experian Information Solutions Inc.
State: CO
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:
First, XXXX is correct. 

Experian and XXXX are not and I have contacted Experian, XXXX and XXXX XXXX to correct the information without success. 

XXXX XXXX XXXX had a business credit card with XXXX XXXX that was guaranteed by me. 

The business closed. 
Both Experian and XXXX show the XXXX XXXX XXXX credit card as my having primary responsibility when, in fact, the business had primary responsibility for the credit card and I was the guarantor. 

The business closed end of XXXX. Captial One closed the business credit card account and wrote it off of their books XX/XX/XXXX. 

I made 6 months of agreed upon payments for the period XX/XX/XXXX through and including XX/XX/XXXX. 

Their collections company contacted me XX/XX/XXXX. I contacted the collections company XX/XX/XXXX and have not received a response. 

In addition, when I tried to log onto XXXX  XXXX to see current credit card balance for my XXXX XXXX, I was unable to do because per XXXX XXXX, the account does not exist. 

My credit score is continuing to be dinged because it states : 1. I had primary responsibility to pay the credit card account instead of stating the business 2.States I had no payments XX/XX/XXXX- XX/XX/XXXX. My pmt agreement was made with XXXX XXXX and I was advised at the time that my XXXX XXXX had already written off the business credit card account. 
3. Continues to state I am behind on payment and not making any payments even though the account was written off of XXXX XXXX and no longer exists. 

Once the account was written off by XXXX XXXX it should have been removed from both Experian and XXXX  as a current account so that I am not continuing to be dinged for this account that no longer exists.

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 2023-09-26
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
I obtained financing twice with credit acceptance company last one was XX/XX/XXXX and got a XXXX XXXX  XXXX, prior one was a XXXX XXXX. My XXXX was repossessed 4 times with fees added each time to get vehicle back. My XXXX has been repossessed about 6 times. I have paid {$28000.00} on my XXXX and it has been repossessed again and there is still a balance of {$16000.00} and now I am unable to get my car back without paying that amount in full. I have been told they will auction my vehicle and I will be responsible for the difference. I was unaware there was a class action suit.

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 2023-06-23
Company: Experian Information Solutions 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:
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 XXXX XXXX is 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 explanation
Consumer complaint received 2019-10-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I've had my student loans for a number of years. In XX/XX/2008 I was unemployed for a long time, working temp positions. Navient would not allow the income base, they only suggested they gave was forbearance for about 7 years, which added additional interest. Now the interest has gone over the amount I spent on my education. I've asked them to eliminate some interest whereas the loan would be payable at a reasonable monthly amount. My loan is now close to XXXX and my education expense was about XXXX. They refused to do anything but offer income base, based on XXXX. I can not afford that monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date, XX/XX/2019 company opened a collection. 
Account # XXXX {$620.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-12-08
Company: EQUIFAX, 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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation