BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his XXXX XXXX Income taxes. When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the XXXX XXXX XXXX XXXX to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the State of XXXX directly in order to do so. However, XXXX XXXX XXXX XXXX informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.

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 2019-03-05
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card from Synchrony Financial. Theres seems to be activity on the card which was not by me. I keep calling the customer service number to report fraud and the operator keeps telling me that number doesnt exist. I have called three different numbers, that have taken me to the same operator and every time I have tried to report fraud the operator tells me that the number does not exist. As such, I cant submit my fraud report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX North Carolina XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2019-03-05
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company XXXX XXXX no longer opens as XXXX instead https : XXXX, looks like a scam, no one seams to be aware that perhaps XXXX  no longer exists, I WANT TO MAKE MY payment on time and NO ONE is aware of this, yet when I manage to contact them XXXX they ask for my loan #, I gave it to them and they kept saying NO you do not have a loan with us, and next they ask for my SS. to that I did not accept, again it is a mess this looks like 2008 again and they purposely transfer you to the automated system, if you say the wrong thing this will place you on hold, yet if you want to buy or you pretend to be a buyer the answer is immediate, and the loop starts again .... 
On XX/XX/XXXX at XXXX I have tried again and again and no one knows what the XXXX is happening .... great XXXX XXXX Supervisor `` believed that the loan was purchased '', ... " we buy thousands and thousands of loan / portafolios '' stated the previous rep, Mr. XXXX stated that transferred to another " live licensed rep '' at the end of the call " sorry the representatives are gone for the day. ", Gentlemen, this really XXXX  looks like 2008 again, this is destroying AMERICA and is happening during you watch, I hope someone does something about it, I can not imaging man and woman in uniform dealing with all this red tape, when instead of returning to his families they have to spend days trying to " PAY ON TIME THEIR MORGAGES ''. but you can always call Mr. COOPER .... right? sorry I forgot since is so big SO BIG you can do nothing about it. 
Sad ..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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 FRAUD FOR YEARS AND HAVE A FRAUD ALERT ON MY XXXX CREDIT BURIALS I HAVE FOUND WRONG SOCIAL SECURITY NUMBERS WRONG NAME AND COLLECTION ACCOUNTS THAT DO NOT BELONG TO ME. 

MY NAME IS XXXX XXXX XXXX MY SOCIAL IS XXXX DATE OF BIRTH IS XX/XX/1982 ADDRESS IS XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX PHONE NUMBER IS XXXX THERE IS ON MY XXXX REPORT ERRORS PROFESSIONAL DEBT THAT DOES NOT BELONG TO ME XXXX XXXX XXXX DOES NOT BELONG TO ME XXXX XXXX  DOES NOT BELONG TO ME I WOULD LIKE THIS CORRECTED AS IT IS AFFECTING MY CREDIT AND MY FINANCES ON XXXX THERE IS ERRORS TOO XXXX XXXX XXXX DOES NOT BELONG TO ME ON TRANSUNION THERE IS ERRORS TOO XXXX DOES NOT BELONG TO ME PROF DEBT DOES NOT BELONG TO 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 2019-03-05
Company: Experian Information Solutions Inc.
State: TN
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 identity was stolen and numerous accounts have been opened. I am trying to get a new SSN but this has been quite difficult. Sent Experian an FTC ID Theft report, proof of ID, and police report. They removed all but 4 of the accounts. They claim the furnisher verified my name, SSN, and DOB. This is obviously the information stolen, yet Experian won't remove these accounts. There are also 4 inquiries and several addresses I have never been associated with. I am attaching a new FTC ID Theft Report, Proof of ID, and list of the incorrect information.

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 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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/19 I filed a CFPB complaint # XXXX, In pure regards to the validity of a unverified debt XXXX XXXX XXXX stated that I owe. 

On my credit monitoring service today on XX/XX/19 I received a notification that there was a decrease in a collection account that I supposedly paid XXXX XXXX XXXX at lease {$1.00}. I have never contacted this collection agency directly outside of this platform " CFPB '' to address my concerns. 

This company has reported to Transunion according to my monitoring service that I personally made a payment towards this account which never happened. 

Therefore, I'm asking for XXXX XXXX XXXX to provide proof of payment and method of payment made by me as reported to Transunion.

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 2019-03-05
Company: Experian Information Solutions Inc.
State: OH
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:
My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

FCRA I demand the following accounts be verified or deleted immediately. 
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 2017-09-18
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:
XX/XX/XXXX I am a victim of Identity Theft. I tried to report this to TransUnion and XXXX both today.
However, upon contacting them both on their websites and calling their phone numbers. 
I was blocked from moving forward because of all the FRAUDULENT INFORMATION on my credit reports. 

On Friday, XX/XX/XXXX I contacted XXXX to first report the IDENTITY THEFT. This complaint was already filed with your agency subsequently -- Complaint Number XXXX. 

Please help me to get this corrected. Thank you!

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 2023-07-07
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have contacted EdFianacial multiple times regarding my account. I originally filed for the a full refund of my student loan payments on XX/XX/2022 and have not received any updates or movement on my case. It's been nearly a year and they have reinstated my entire balance without providing me any form of my previous refund requested. It's extremely frustrating and every time I reach out to them directly, they claim they is no update and nothing they can do to process it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: V and H Portfolio
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called a few years ago and i wont tell me the items or the account that they say I was using to pay on it. I stated to them years ago that this was not me. I lost my wallet years ago and have an identity theft added to my account become several item have appeared on my name that was not me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I took out a Payday Loan with Speedy Cash in XX/XX/XXXX. They sold my account to Ad Astra, a collection company in XXXX. 

Speedy Cash unlawfully went into my bank account on XX/XX/XXXX, to deduct the full balance of the loan. I had no prior communications from them pertaining to this loan. I was not notified at all by them to discuss a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX card # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2021-05-29
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
First one happened on XXXX of XX/XX/2021 while the second One happened on XXXX of XX/XX/2021 about XXXX. 2 vanilla cards of {$500.00} and {$200.00} respectively were sent to me by a friend but when I tried using them they were declined saying I had XXXX balance in them..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, 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:
I have tried numerous times to get ahold of someone at Experian. I believe that there is a fraudulent online Experian account in my name and SSN. I have very good reason to believe this to be true because there were fraudulent accounts at both XXXX and at XXXX. Since I was recently hacked, with several credit cards being compromised, and several credit accounts attempted to be opened, it is obvious that someone out there has my information. When I try to reach Experian, I just get the computer voice, who refuses to let me talk to a real person and insists that she can help me, when in fact, she can not. This is not an issue that I would be able to resolve online because, you see, a fraudulent account would have an email address associated with it which is not mine. There are actually problems that require a real person to resolve and not a computer.

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 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX  is reporting a XXXX account as delinquent and as collection debt. The item they are reporting has wrong dates, wrong company names and an incorrect balance as many charges have attached to accounts. It also reported as an account that has been sold to a third party agency.

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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX is incorrectly reporting that my auto loan was delinquent in XXXX, XXXX, and XXXX of 2020. However, actually, this account has never been past due. I have repeatedly asked XXXX to properly update my account history to show that my payments were not late in XXXX, XXXX, and XXXX of 2020 ; but they have yet to take action to make the correction.

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 2020-07-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
In XXXX of 2017, my car was towed away from my parents ' house in an effort of SunTrust to collect payment on the car. I did receive the call from Suntrust for the bill to be paid and ask them the send in a mail to my parent 's house to be paid. They said they never received the mail and were told to keep waiting for the mail. once the vehicle was towed away from our driveway, we then get the notice from the tow company to call our debitor. We had plans to pay off the car with the billing they were supposed to send but with the tow fees included, estimated an extra {$1000.00} with the end balance, was something we didn't have at the moment. We tried to reach out to Suntrust to make a payment deal to pay off the car after the deduction of the tow fees but didn't get resolved. After some time, the full amount was paid and we didn't receive our car title and had to get it from a service that was extra charges. All within a 3-month span of the ordeal, my father was terminated from his main job and I was working in XXXX XXXX XXXX base leaving my mother bearing the weight. This has marked on our credit affected my mother, my father, and me from receiving any other help to get back on our feet such as loan, refinancing, lower interest rate, etc from this unfair situation.

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 2019-03-05
Company: Experian Information Solutions Inc.
State: MO
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:
DON '' T ASK FOR THE SAME INFO THAT'S PROVIDED HERE TO SUBSTITUTE AS A RESPONSE!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mo, XXXX last 4 SSN # XXXX DOB # XX/XX/XXXX CFPB advised that they provided the info you have already asked to find my credit file. So there's no need to ask for it again & claim that is an actual response. Violation # 2 I have attempted on 4 occasions to get the incorrect reporting resolved via XXXX & XXXX. Each time they " claim '' it was verified via XXXX XXXX XXXX ( XXXX & XXXX ) and the account is never corrected. It has been public knowledge that XXXX XXXX XXXX has been negligent in erroneous credit reporting. In my case, I was NEVER 90-120 days late, the account was transferred away from them, however, XXXX XXXX   XXXX continued to report it as 120 days late. Further, how could I be on time XX/XX/XXXX, then XX/XX/XXXX, I am then now 120-149 days late?! That's is not mathematically possible. If the dispute was actually handled & investigated at all, that would have been easily discovered that if someone human actually put their eyes on it to see.This is reported 9 times on this account From XX/XX/XXXX-XX/XX/XXXX. This has done severe damage to my credit access.Please remove these 9 erroneous delinquent entries on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief