BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Transunion is furnishing my Consumer Report without any authorization. 
Transunion is not allowing the right to exercise my right to Privacy and remove late payment reporting and utilization reporting.

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 2022-11-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX submitting this complaint against Experian and their is no third party involved as of today XXXX XXXX your company is entering a binding contract. Also your company is hereby to delete these accounts within 3 business days i will seek legal up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I have reached out to transition on several occasions. I reached out in writing in XXXX and again in XXXX. Transition is still reporting incorrect information. Compared to my other credit scores, transunion is a much as 40 points off. That is a significant difference caused by them not removing paid items or other items that they have not sent me the requested documentation for.

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit 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 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 explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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 on XX/XX/XXXX XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act on XX/XX/2020 XXXX XXXX XXXX, Acount # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I will call my lawyer to file lawsuit.

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 2018-04-17
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am currently requesting that XXXX  surpress and freeze my information from being shared with any and all other parties.

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 2019-06-10
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I signed up for a credit card with Discover. As soon as I received the card I set up the online account and automatic payments of the minimum amount each month ( since there would be no charges, just using it to pay off one balance transfer ). 

On XX/XX/2019, I received an email saying the bank information I submitted for the automatic payments was accepted, and an email saying my first payment was scheduled. 

At this point I safely assumed the automatic payments were set up. 

On XX/XX/2019 I received an email saying that I had missed 3 payments. I checked my credit report and my credit score had gone down 200 points. Discover had decided to not accept my continuing automatic payments, however they did not send me any notice, by mail, email, or otherwise. 

I immediately signed into the online account and made the payment that was due. I then called Discover and informed them of what happened. Discover told me that there was nothing they could do, and that they do not edit their reporting of missed payments for any reason, even their own mistake. 

However, I did not miss any payments. Discover stopped my automatic payments without my consent or even knowledge. This may have been when my bank changed from XXXX XXXX XXXX XXXX XXXX, but Discover will not give me a reason why they stopped the payments. 

Discover Bank has destroyed my credit due to their own actions and refuses to correct it. Every second my credit is reported incorrectly I suffer irreparable harm. Please help me correct this without having to take this to the circuit court!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-10
Company: EQUIFAX, INC.
State: MI
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. 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 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 2019-09-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent a money transfer using MoneyGram transaction refrerence # XXXX the reciever wasnt able to pick up money on XX/XX/2019, I called to see what the problem was and they said they would do a refund. On XX/XX/2019 I called to see what the hold up on my refund was. I was told Im a security risk and they would be holding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: U.S. BANCORP
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 I went to the bank to with draw money from my account witch was XXXX dollars. After I left the bank I went to pay two bills and I realize that I was short changes on my money, I tried to resolve it with the bank but they were just giving me the run around. Talking about they will have my money in to days but that was a lie. USbank has done me like this before but I did not no who to go to until now I just got out of the hospital and they did not care about that at all. I talk with a XXXX XXXX, and XXXX XXXX, that gentlemen told me that if I did not like the way they were handleing it that I can take my business elsa were. They said that it will take two days but they lied about that as well. Some one in that  bank is stilling and trying to use my account as a coverup. I have no food and gas to put in my car at this point so I will have to find out how to get money. I will go to the XXXX and let people no what is going on in the bank of USBanks. Yours Truly

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 2017-12-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My son left his apartment in XXXX XXXX at XXXX XXXX 2 months early that I had cosigned for him. A company called IQ Data INT was calling me day in and day out and when I returned a phone call back to them they were very rude when I told them they needed to be calling my son who was the actual contract holder and I was just the cosignor. They refused to call him stating I was in charge of this bill treating me like a child stating do n't you know what a cosignor is means you owe the bill not the person who signed the contract first or who was staying in the apartment and on and on. I even spoke to the supervisor and he stated that if I did n't pay this bill I would get turned over to collections and reported as I refuse to pay. I told him I never once said I refused to pay this bill you ca n't illegally report something. I told you to call my son to set up a payment plan. I had my son call them and they refused to speak to him stating his name was n't on the lease. I called XXXX at the apartment complex who was in charge of turning this over to IQ Data to collect on the bill and she stated she has no idea why they would n't speak to my son because he was the contract signor and I was the co signor. XXXX said she emailed them and told them to make sure his name was on there and if not add it so when he calls they speak to him directly not me. When my son tried to call back they were still very rude and refused to speak to him. I called back and they said XXXX did not send them any email and they were only going to deal with me paying the bill. I told them I 'm not paying this bill my, it 's my sons and you need to talk to him but if it were to get paid off in full what would the amount be they said they could give me a 20 % discount because that 's what the apt complex allowed for them to do. I told them I 'm not going to pay that I know for a fact you can take less to make this as satisfactory, paid in full. They said no we wo n't. You can pay that amount or not. I told them I was going to call XXXX back and deal with this bill through her as there tactics to trying to force you to pay this was not going to work with me. They said go ahead do whatever. Good luck and hung up on me. I called XXXX back and told them they still refuse to talk to my son and I would no longer deal with that company but her directly to get some sort of payment plan in place or this bill paid off. She told me she would not do anything. I would have to deal with IQ Data about this bill. I have received NOTHING in the mail about this bill or even who IQ data is. I am now taking this matter further to anyone necessary about how this company acts and talks to the client who has the debt owed.

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 2019-06-10
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: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-10
Company: Navient Solutions, LLC.
State: AR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name is XXXX XXXX, I enrolled in XXXX University online in XXXX I borrowed {$7500.00} to continue my education. After the first semester I withdrew from the course and decided it would be cheaper to take classes on campus. I only used {$5000.00} of the {$7500.00}. The original lender was XXXX. I paid approximate {$3800.00} to this lender the debt was sold to Sallie Mae around XXXX where I paid approximately {$1600.00}. Sallie Mae then turned the debt over to NAVIENT where I paid over {$4000.00} dollars to this debt. I have repeatedly tried to contact XXXX, Sallie Mae and NAVIENT concerning my payments. The payments were auto drafted from my bank account. Over the course of several years i tried contacting these companies. I never received a reply from any e-mails and nor was any of my phone calls returned. In XXXX I was able to contact some one from XXXX concerning my account and was told that they would have look in the archive for my account since the debt was sold to Sallie Mae. I was told that it would take a couple days but someone would contact me. I was requesting a statement from XXXX as to the amount of the original loan and the balance when it was sold. I was never contacted concerning this matter nor was able to contact anyone else from XXXX, Sallie Mae never replied to any of my requests neither did NAVIENT. In XXXX of XXXX I received an e-mail stating that my account was paid in full. I estimate that I paid {$9400.00} on a {$5000.00} debt. To pay the debt off quicker, I increased payments to {$150.00} each month which was automatically withdrawn from my account to pay it off early, My payment was changed to {$57.00} each month by the lender. It took me over 11 years to pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-03-04
Company: Experian Information Solutions Inc.
State: SC
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:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to XXXX. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

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 2023-06-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt to Commenity Capital XXXX for {$2300.00}. They were supposed to settle the debt that I owed, however rhey never reported it to the credit bureau, accepted my payment and carried on. It's been a year and it's still on my credit report. After contacting them, they told me I owed them still and stonewalled me saying I never paid. I have bank statements proving I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My account was incorrectly targeted From XX/XX/2017 to XX/XX/2017 My account is at hsbc Hsbc authorize consecutive payments To XXXX XXXX XXXX from my accont without my consent and refuse to return my funds to my account Its a total of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: MA
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:
Hi and how are you doing?

Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Was not notified of investigation status or results

Complaint:
Despite providing concrete evidence of multiple discrepancies and inquiries on my credit report, my repeated attempts to seek resolution from XXXX, TransUnion, and XXXX have been met with deafening silence. In a world where financial integrity is paramount, the need for the Consumer Financial Protection Bureau 's intervention has never been more evident. The discrepancies has impacted my financial standing, borrowing capabilities, and overall peace of mind significantly. I had hoped that presenting them with indisputable proof of these errors would swiftly lead to their 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 non-monetary relief