BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
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:
These are the codes that the credit bureaus have violated ( XXXX, TransUnion, and XXXX ). 
Being sued XX/XX/2023 : XXXX  XXXX, XXXX, XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681e ( a ) ( 5 ) Section states that 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 a 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 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Remove these accounts immediately. See attached documentation. This company is in violation and continues to report these accounts. I am in litigation and demand accounts to be removed 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 2021-10-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This complaint is against XXXX XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone ( not me ) printed checks with my Santander bank account number and a fake address, and deposited them, overdrawing my account. The address given on the checks is a state I have never visited. I reported the fraud to Santander, but continue to get phone calls from them that my account is overdrawn. 
I told them about this 13 days ago and still receive twice-weekly phone calls.

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 2020-07-12
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:
Experian is reporting false information and refuses to fix it. I have 4 student loans that reflect 8 late payments of 90 and 120 days. I have disputed the information and some of the information was corrected but the most imperative has not been changed. My score has decreased by 150 points due to false information. The attached documents clearly shows that all 4 accounts are in good  standing. This credit hiccup has affected my entire existence in regards to my business and personal life. I was approved for an XXXX XXXX and XXXX XXXX in which was to be used to fuel my Covid-related business related XXXX  with a XXXX  to help the community. My loans and funds that were set aside for my business were denied during the underwriting process prior to funding. A second lender herd my vision and tried to push my loan through twice and still was unable to get funded to to credit history and delinquent accounts. I am looking for housing and I am not credit worthy to purchase a home and honestly cant even find any temporary housing until I am able to finance due to my score. Please help 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 explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX  {$860.00} XXXX  XXXX {$0.00} XXXX  XXXX {$790.00} XXXX XXXX  XXXX {$1900.00} XXXX  XXXX {$1100.00} XXXX/XXXX  XXXX {$220.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$92.00} XXXX  XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$530.00} XXXX CHAPTER XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: D&A Services, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a biz CC ( XXXX XXXX debt that I believe was written off by XXXX after we went to court in 2018. Lately the collection company D & A LLC has been calling me on my cell phone at various times of the day, usually before XXXX. I advised them that as this was a business debt they should call me at my store after XXXX PST. The call calls continued. 

I don't mind them calling as long as the hour is not too early according to my schedule XXXX not theirs ) and to my business phone number, not my cell number. 

I finally called them back, told them I thought the debt had been written off by XXXX and figured D & A was fishing. XXXX has never tried to contact me by mail or phoe during the 2 years.I was turned over to XXXX XXXX. She (? ) was pleasant and cooperative and promised to resolve the phone number issue, etc. 

However, I still believe the debt was written off by XXXX, I paid taxes on the paid off amount, and believed the matter was settled, especially after 2 years. I'm not sure I should start paying this collector. 

Thanks for any assistance you can offer in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX debt collectors is using abusive and manipulation tactics along with bullying and profane language. It is obvious they are using a foreign call center that way they don't fall under US law. This is absolutely pathetic and wrong. My first phone called occurred on XX/XX/21. I agreed to a payment plan for my balance of {$410.00}, but I told them I will begin payments when I budget for the next month of XXXX. Starting yesterday XX/XX/21, I receive multiple calls a day from an XXXX person who is berating me and attacking me for not paying my bill. These people will now NEVER receive my money due to their disgusting behavior. I will gladly provide any additional details needed. Actions need to be taken because I know for a fact, I am not the only person this is being done too. They are now calling me from bogus numbers all over the US. I work in sales and CAN NOT have my phone ringing ALL DAY. It gets in the way of customers and my source of income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: Experian Information Solutions Inc.
State: MS
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, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit 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 non-monetary relief
Consumer complaint received 2019-01-28
Company: CITIBANK, N.A.
State: PA
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 had my information hacked and accounts were opened in my name without my authorization. I have filed a police report for fraud and identity theft but its a very small town that i live in and so i only have the incident number. incident # XXXX for identity theft/fraud. XXXX XXXX police. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The companies in question acknowledge the fraud has been filed but say that i still owe the money. I've tried to got the bureaus for help but the company in question has only verified the accounts and not removed them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The following credit inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/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 2020-10-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In need of some help! I believe I have a freeze on my account. I'm not sure as to what is going on. As of right now I am un able to obtain a saving or checking account. I cant get financing for a vehicle or can't apply for a credit card. It is very imperative that I open an checking or saving for Social Security payments. Please Help Me Fix This ASAP! 

Also, If it is not a freeze please point me in the right direction on how to fix the problem. 

My name is XXXX XXXX XXXX. 

Thank you in advance!

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 2020-10-20
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute for a transaction in the amount of {$800.00}, a debit card purchase made several months ago, a foreign merchant by the name of XXXX XXXX XXXX. This merchant is located in XXXX, a XXXX XXXX XXXX was purchased which was not received and reported lost/stolen to the carrier, XXXX. An investigation was done by XXXX, driver lost package and a claim was supposed to be filed by the merchant to recover loss, I communicated this to merchant via email to their rep, XXXX. Since the merchant is located in XXXX and no number is listed, I am unable to reach them by phone and email is the only way to contact. I emailed XXXX numerous times asking if a claim was filed with XXXX so they can refund me for lost package, she insisted XXXX is still investigating despite XXXX reps claiming investigation is complete and merchant needs to file claim. Unable to reach resolution with merchant, I filed a dispute with Citibank and they were provided information via fax, email, as well as postal mail pertaining to claim and loss of item. As with most disputes, Citibank claimed no information received despite sent three different ways. It appears they were able to locate one of my letters as they later issued a credit to account. However, as of today, XXXX, credit was reversed with no explanation. I called dispute dept again, reps requested I send in another letter despite all information above provided already which they received.. This merchant appears to be a scammer, they may have filed a XXXX claim, got reimbursed for loss without refunding me.. I request Citibank credit back this amount, {$800.00}, ASAP and reopen investigation

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 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 2020-12-30
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
To whom it may concern ; I recently took out a loan from my equity of my house and use it to payoff my student loans. The title company got cashier 's check in my name and sent to XXXX ; however, due to an automatic payment that was drafted out of my bank account before I could cancel, the pay off amount to XXXX was more than the current balance owed. I've since contacted them on several occasions, spoke to at least 3 representative to inquire about my refund. They kept telling me that a refund was issued to a XXXX XXXX XXXX, which I don't even know how to track down to get my refund back. A cashier 's check was made in my name payable to XXXX and I want them to issue my refund. The amount owed to me is {$110.00} and I have been unsuccessful of trying get my refund back from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
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: Account information incorrect

Complaint:
I have tried on numerous occasions to contact XXXX XXXX XXXX, Transunion, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example Transunion tells me that XXXX XXXX XXXX has to fix it but then XXXX XXXX XXXX tells me the opposite. It is extremely difficult and frustrating to even try to get someone at XXXX XXXX XXXX to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven ( which they actually did forgive ) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as {$0.00} on my credit report which it does ). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the XXXX XXXX XXXX customer service agent I pulled my credit report. I was happy they kept HALF of their promise ( as was required by law ) and my balance was {$0.00}. But the late payments were still showing ( and are still showing to this date ) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in XXXX XXXX XXXX 's system and that it would be fixed. 

Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting XXXX XXXX XXXXXXXX. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. XXXX XXXX XXXX ( as well as these credit agencies ) are affecting people 's lives and making promises that they do n't keep. I believe that XXXX XXXX should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a XXXX XXXX subscriber. XXXX XXXX offered a hardware device to make internet calls from your cell phone while at home. It did not appear to work. I returned the hardware device to a XXXX XXXX store on XXXX XXXX, in XXXX, NY. Several years later, XXXX XXXX began contacting me about an alleged owed debt of {$35.00}. I explained that I had returned the hardware device. I spent hours on the phone with no resolution. I was told by XXXX XXXX to go to the XXXX XXXX store I returned it to. I did, on several occasions, again spending ~ 1 hour in person. The store personnel were very nice, explained this happened a lot, that I shouldn't owe it if I returned it, but that they didn't keep good records and didn't have any record of my return. I again tried XXXX XXXX. I communicated in writing with XXXX XXXX. The issue appeared to be resolved. 

XXXX XXXX then, apparently, sold the debt to Enhanced Recovery. Enhance Recovery called me. I explained I did not owe the debt. Enhanced Recovery kept call, at times demanding that I provide personal identifying information prior to them ( a ) agreeing to explain why they were calling, ( b ) providing information about the alleged debt or ( c ) providing me a basis to dispute the debt. Enhanced Recovery and XXXX XXXX have now reported a {$130.00} debt to credit reporting agencies which is showing up on my credit report with all 3 credit bureaus and negatively affecting my credit score. My credit has always been exceptional. Please investigate and take appropriate action action against XXXX XXXX and Enhanced Recovery. 

Enhanced Recovery Account # XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation