BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 just recently checked my XXXX and Transunion credit reports and It shows some unauthorized accounts. 

This account is inaccurate and fraudulent. I'm seeking litigation. Please delete and block from my credit report 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 non-monetary relief
Consumer complaint received 2023-12-30
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 am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC 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  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$1600.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2200.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} CREDIT COLL Original Creditor : XXXX XXXX XXXX Balance Owed : {$170.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Owed : {$280.00} XXXX XXXX  SERV XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} 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 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

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 2023-04-14
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-02-23
Company: Global Lending Services LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX and XXXX bureaus in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed indicated in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have made many complaints with Consumer Financial Protection Bureau. One complaint was with XXXX XXXX, XXXX, and Transunion who unlawfully accessed my credit report without my permission that led to two forgery and fraudulent auto loans. I have repeatedly requested the permission used to access my credit AND XXXX XXXX still refuses by labeling the complaints as duplicates. They send an incomplete application as evidence that they accessed my credit lawfully. It is attached. This application simply states at the top that INCOMPLETE APPLICATIONS WILL NOT BE PROCESSED. Can XXXX XXXX, XXXX, and Transunion read? If this complaint is being reviewed by an overseas country that has language barriers ; I demand they send this complaint back to the US for review. XXXX XXXX will ignore this complaint by simply labeling as a duplicate complaint. Therefore I expect Transunion and XXXX to adhere to the FCRAs requirements If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. Does Transunion and XXXX  understand this requirement of the FCRA? Can Transunion and XXXX read the attached application that XXXX XXXX used to access my credit report that led to two fraudulent auto loans in my name? Can XXXX  and Transunion read at the top where it states that incomplete applications will not be processed? Can Transunion and XXXX  see where it is not dated? Can Transunion and XXXX  examine the application that XXXX XXXX used to access my credit report that led to two fraudulent auto loans in my name? Can Transunion and XXXX verify the application for completeness and accuracy that XXXX XXXX used to access my credit report that led to two fraudulent auto loans in my name? Will Transunion and XXXX  assume the responsibility given by the FCRA and remove the XXXX XXXX listing from my report? I received the attached LONG form response from XXXX  that totally misses XXXX XXXX and mind numbing. Transunion and XXXX continually asks XXXX XXXX to verify the attached application which is incomplete. Can Transunion and XXXX  verify since XXXX XXXX will ignore label this complaint as a duplicate?

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see attached documasents. Do not close this complaint stating it is not me. I am a nastural pferson and a consumer.

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account 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 non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX XXXX XXXX I closed my previous business account. At this time with XXXX XXXX  I had a revolving credit line of {$26000.00}. As someone who has relied on automatic payments for over a decade, this one slipped through the cracks. Apparently for two months XXXX charged me late fees and returned payment fees. This affected my credit score by about XXXX points. Ive always had excellent credit score. It was not my intention nor willingness, but quite frankly XXXX not sending me any regular usps mail notifications of this. Instead, they lowered my credit to {$500.00} in XXXX and XXXX. 

When I realized that I had not updated my bank information for them to receive the automatic payments I called them and they investigated. Since Ive been a loyal customer for many years they reinstated my credit limit to {$26000.00} in XXXX. 

Summer is a very busy month for my Business and unfortunately due to an error which was caused by my assistant who did not keep me posted, I suggested immense credit loss. 


XXXX said theyd report to the agency so I can get my credit score repaired but we are in XXXX XXXX  and still at a fair rating. 

I expected XXXX to take a more proactive approach but now I realize I must File this complaint. 

Thank you in advance for helping me.

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 2019-09-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I've requested to have the fraud alert removed from my credit report from all 3 bureaus. The alert is still on my credit report, I sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, someone, most likely a PayPal employee, accessed my account, linked a new XXXX XXXX account, and transferred {$28000.00} to that new XXXX XXXX account. I notified you of the unauthorized transfer immediately on XX/XX/XXXX and also notified XXXX XXXX of the unauthorized transfer. XXXX XXXX restricted the account as an identity theft account, and requested instructions from PayPal to return the funds. PayPal refused to acknowledge that the transfer was unauthorized, and therefore refused to provide instructions for XXXX XXXX to return the funds. After almost 2 months, and dozens of phones calls, and countless hours of hold time, by myself, and Detective XXXX of the XXXX, XXXX Police Dept, PayPal finally informed me that you have provided instructions to XXXX XXXX to return the funds. 

XXXX XX/XX/XXXX, XXXX XXXX transferred {$27000.00} back to PayPal. As of today, XX/XX/XXXX, PayPal has yet to return the funds to my account, claiming they can't find the funds. That is obviously not credible. The instructions that PayPal sent to XXXX XXXX would include the beneficiary of the funds to be returned, with my name and account number, etc. It is not credible that {$27000.00} was transferred back to my PayPal account, yet PayPal can't find the funds after 2 weeks of searching. 

PayPal has done everything possible to avoid returning money stolen from my PayPal account, back to me, even with the money still sitting in a XXXX XXXX account ready to be returned. Now that the money has finally been returned to PayPal, PayPal is pretending you can't find it!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: EQUIFAX, INC.
State: GA
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:
Creditor : These items belong to someone else with a similar name. XXXX XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, bal- {$160.00}, XXXX  XXXX XXXX  , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XX/XX/XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX XXXX, date-XXXX , acc-XXXX , bal- {$540.00}, XXXX XXXX, date-XXXX, acc-XXXX , bal- {$20000.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$640.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$1300.00}, XXXX XXXX XXXX XXXX, date-XXXX, acc-XXXX, XXXX  XXXX XXXX , date-XXXX, acc-XXXX, bal- {$460.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX, date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, Us Dept. Of Education,  date-XXXX, acc-XXXX, bal- {$32000.00}, Us Dept. Of Education, date-XXXX, acc-XXXX, bal- {$6.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card with XXXX XXXX XXXX credit card. My payments were always on time. The card was closed apparently due to excessive debt ; I use less than 10 % of my total credit line. I applied bfor a credit card from XXXX 's XXXX ; a competitor and my card was close almost the same day. This was an unfair practice without justification.

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 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023, I used my Capital One Mastercard to make a purchase on the XXXX XXXX from a seller that accepts payment through XXXX. 

When I went online today to make my monthly Capital One payment ( following the deposit of my Social Security XXXX Income ), I found what I believed to be an incorrect assessment of a {$10.00} " cash advance fee ''. 

I called Capital One for clarification, and was informed that any purchases through XXXX are considered a " cash advance '' and- in addition to the {$10.00} fee ( or 3 % of the amount, whichever is the greater ) - an interest rate in excess of 30 % would apply, which continues to accrue until the cash advance is paid. 

When I asked if there was an avenue to specifically pay the " cash advance '' amount, I was told there was no way to do so except to pay off the entire credit card balance of {$4900.00} ( out of a {$5000.00} limit ) .. and that the 30 % + interest would also be charged and continue to accrue ON THE {$10.00} CASH ADVANCE FEE itself! 

I requested to speak with a supervisor, and asked that - as I subsist on a social security XXXX income - perhaps Capital One might extend a one-time compassionate consideration and at least waive the {$10.00} cash advance fee ( since I was unaware that processing a Capital One charge through XXXX was considered a " cash advance '', nor that I would incur such outrageous fees and interest charge ), I was advised that they " had no way '' to do so, and was summarily dismissed. 

I will never again use my Capital One credit card for ANYTHING " cash-advance '' related, and will do everything within my ability to pay down the entire balance without incurring any further charges, and ultimately reserve this account solely for emergency situations, or close it altogether.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, 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:
On XX/XX/2020 called Equifax to release my security freeze. I had a security freeze due to the Equifax data breech on Equifax, XXXX   and XXXX. I needed to release the security freeze. XXXX, XXXX  released the security freeze with just my SS number and pin. When I called Equifax ( the ones that forced me into a security freeze ) they wanted my last mortgage company and payments ( haven't had a mortgage in 6 years I couldn't answer. So they asked me about credit cards, however, when I told them I couldn't hear them because of all the noise in the background ( sounded like a boiler outfit where everyone was yelling on a phone in the background ) I asked them to transfer me to a manager. They hung up! I think that the girl thought I was having a problem with her accent, but I just couldn't hear her over the noise. Anyway, my complaint is that they just figured they would hang up on me, now I have to call back and go over everything again. They were the ones that caused the problem, now they hang up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently refinanced my home mortgage, and the new loan funded on XX/XX/XXXX. The payoff statement from my old servicer, Specialized Loan Servicing LLC ( SLS ), was from XXXX through XXXX. Since the new loan funded on XX/XX/XXXX, SLS owes me an interest refund from XX/XX/XXXX through XXXX. I spoke with SLS on XX/XX/XXXX, and their representative confirmed that my interest refund from XX/XX/XXXX to XXXX was in process, and a check would arrive by the end of XXXX at the latest. It is now XXXX, and I have not received a check or any further communication from SLS.

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 2020-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
My Saks Mastercard credit card account has Fraud on it, capital one is refusing to assist me on my account there is Fraud charges on my credit card account, the agents are arguing with me and telling me not to pay my credit card bill and allow it to go delinquent while they complete their fraud investigation i have contacted multiple times about this transaction being fraud and they told me that it takes 2 months to investigate and not pay my bill which in turn will cause my credit card account to become delinquent. this is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Experian Information Solutions Inc.
State: GA
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 asked XXXX, Experian and XXXX to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. Immediately XXXX  removed the account from my credit report, XXXX and Experian did not. I sent a copy of the XXXX report to the other two reporting agencies and asked them what did they know that XXXX  did not. I have NOT received a reply and it's been well over 30 days! 

According to XXXX and Experian the BK Court in XXXX  verified the data. I have a letter, which I provided to all 3 bureaus, from the courthouse saying they do no such thing! 

Then I looked in XXXX. They are a third party, for profit company, which makes the information provided heresay. Also, why aren't XXXX  and XXXX  responsible under FCRA to do a complete investigation and to know 100 % what they are saying about me. It's ridiculous that when one backed down, XXXX, and that evidence was provided to the other two that they maintained their position - they are providing information they have NOT verified! 

Please make them abide by the law meaning only report first hand information, or delete the bankruptcy from my report. 

Thank you, 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