BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive been trying to fix the problem with TransUnion for a while. It started when I first got a credit card. Someone used my credit card fraudulently and without my knowledge and as a result they went over my credit limit. I fixed the problem with my credit card company. And when they fraudulently used my credit card and went over the limit my credit score went down from XXXX to XXXX. I asked TransUnion to fix the problem but they refuse. And since Ive been trying to fix this problem Im noticing that its impossible to fix my credit now with them. For example I paid a balance down and my credit score went down. Its supposed to go up not down. Ive been noticing someone is checking my credit hundreds of times without my knowledge and my credit score keeps going down. This is the last time I will try to deal with this before suing this company.

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 2020-02-19
Company: Experian Information Solutions 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:
In an attempt to fix up some errors on my credit report, I have asked on several different occasions that the credit bureau 's verify that the information from a XXXX XXXX account that had been sold to XXXX was reporting correctly. first letter dated XX/XX/XXXX it came back " verified '' from the credit bureau 's. I asked again, letter dated XX/XX/XXXX, the last one i sent on XX/XX/XXXX using the CFPB dispute letter. Each time, the credit bureau 's came back " verified '' or information " updated '' and the accounts are still reporting incorrectly according to what I can see and they have failed to respond to the CFPB letter within 30 days. None of the information that is outlined and requested on that letter had been submitted by 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 2021-10-07
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
So I am FEMA and I only borrow five and {$50.00} but now its for XXXX because in four weeks I wanted to pay back but at that time they were rushing him up all my blitzing me like a football player and then they would rush me and then hang up and rushing out call back four times where they would call the top of me and I said heres the money to take it yes it is is it is it letting it and then many times I mean I had told him I even more than that Im and I said you go ahead and take the money and then we were not its not my fault they dont wan na pay ask it clears alone and I dont wan na be in that is your fault he been harassing her back and theres three times harassing you dont you dont you want no money that Im sorry I will keep an issue they probably is every two days until Ill give up because they were just literally I think theyre related to XXXX XXXX of extended stay over in XXXX hurry up XXXX because I dont even understand I thought the cash I took the visa I tell you she wont even excepted after that I tell you I think it was the same way I would know I thought I was I was looking I say why would you be here this week is such a scam I did not wan na waste the money aside for doing hair is her pain it was supposed you know how to boost the on-time payments or was it was it going to be on time and by then why is it when I knew she was going as you feel like no you cant pay me you cant pay me like you know what kind of person like you can touch that you can touch it but asking for my money at the same time that she sent me to collections to classes right now because I was supposed only pay for and 15 hours double almost imagine thats illegal that is illegal in a few months CDC too so thats against the interferes with federal law and management so please and you dont write her up because I think they should close down I think its going to run anywhere XXXX this is like the worst where situation where I mean they dont look to be out when youre XXXX you know that XXXX after we try to pay you dont even get to trust them because its constantly and Ill like basically Slappy back as you like a ping-pong ball or or just like on an alligator alliances one

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: FL
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:
My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is 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 2019-11-13
Company: MARINER FINANCE, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Dear representative, I am in the middle of closing a purchasing a home. I paid off all of my credit cards, & personal loans to be able to qualify for the mortgage. I called, got the p/o & paid Mariner Finance in full over the phone on XX/XX/XXXX. On, XX/XX/XXXX the payment cleared my account. At the time of making the payment, I asked the representative how long it would take to get proof from their company, that I paid the loan off. They said 7 days. I called on XX/XX/XXXX and said I need the promised proof of payment. They said their policy is 15 days, but maybe if I could send over my bank statement & prove that it cleared my account I could get the proof from them. I sent the proof on the XXXX ( same day XXXX but never heard back. I called on XX/XX/XXXX & they said they still have to wait 15 days. I called today & now I am told that the proof of payment which is eligible to be sent out on the XXXX can only be mailed. Why is it that every other company has been able to accommodate me withing 3-5 days & this company will only mail proof after 2 weeks. I will lose my rate lock as interest rates have increased & won't close my loan on time. I am very upset since I work in the finance industry & know this is illegal. Please advise.

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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Problem getting your free annual credit report

Complaint:
I have tried numerous times to get a free annual credit report from XXXX and Transunion, the prompts are telling me that my info can not be found in their database when I just unfroze my credit with XXXX with no probs the last couple years untold XXXX XXXX. The last time this issue came up is when someone was using my personal info to obtain credit and I became a victim of identity theft in XXXX and my credit was wiped clean my credit score fell from the upper 700s to 300s in no time, I again found bogus accounts on my credit reports ( XXXX ) ( XXXX ) That I had XXXX dispute for me and took off in XXXX, Im just now getting my credit back and now I suspect its happening again I had a initial fraud And credit froze at all 3 bureaus and now they re telling me my info isnt in database and I have to mail proof of my identity to Transunion and XXXX, I haa as d no prob with XXXX. I Am allowed my free 3 annual credit reports and I cant get to my info and it was fine last XX/XX/XXXX. I got a loan to get my car. Now Im having issues to unfreeze my credit at XXXX on Monday XXXX XXXX for a much needed loan. I am so fed up with this, you all had just got Transunion to unlock my info so I could get to it, I couldnt get to it for 6 years until you all got in touch with them last year. Now its starting again. I want this matte tv resolved please and for them to stop letting other people view my credit I take it, I am a victim of I am a victim of identity theft and have the documents to back this up since XXXX. My ssn # was compromised and used to file numerous tax form 1040 and the IRS caughgg Th it because I dont have a tax filing status and I am having trouble with my local Social Security Administration in XXXX NC, they will not issue me a new number, my ssn # is out there and the person or persons keep doing this when they get angry at me for whatever, a detective told me it is a revenge act that was done to me we have our suspects but not been able to prove it, my ex husbands family we suspect, but I know my current ssn # will always be tagged to me but at least maybe they wont steal the new number if I was issued a new one. The only way I know this matter will be solved permanently, thank you for your time.

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 2022-06-14
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604A Section 2 : States a consumer reporting agency can not furnish an 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 2023-01-13
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX an account # XXXX with XXXX XXXX was obtained in my name without my knowledge. I was made aware after pulling my credit report that my information was used to open this accounts and reported to authorities on XX/XX/XXXX with the XXXX XXXX case # XXXX with Office XXXX XXXX badge # XXXX. I have sent this information to XXXX, XXXX, and Experian who are still reporting fraudulent information on my credit file.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

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 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
We had a 6 year car loan with Capital One auto finance. Near the end of our loan, my wife got the payments deferred for two months at the start of COVID-19. 

On XX/XX/2020, my wife made a payment online for the car, but if did not process for some reason. We didn't know there was a problem until someone came to repo the car. 

I asked the man to wait while we called Capital One to straighten out the issue. He was friendly and did so. When we called Capital One, where we offered to clean out our savings to pay the car off in full, they said they couldn't help us until the repo happened, then they would be happy to take our payment. We only owed {$1500.00} out of a six year loan. 

We called the next day to pay off the loan and had to pay {$2000.00} to get our car back and pay off the loan. This completely cleaned out our savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I had sent you a certified mail in XX/XX/2022 regarding negative information on my credit report. You had many days to answer my dispute and I have not received any answer. Because of this, you must remove these account that I disputed earlier but you failed to removed accounts that are unverifiable I told you they are not attached to any address of mine so how are these accounts still can be seen here?

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 2021-01-28
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:
It has come to my attention that i have been 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, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2020-05-22
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
My Name is XXXX XXXX XXXX Date is XXXX XXXX My Equifax Confirmation Number IS XXXX OR XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All!! These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting XXXX Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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 am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2018-09-26
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:
TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : 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 XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX   et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 credit reporting act : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX as violated my rights. 
15 U. S. C 1681 section 602 A. State that I have to write to privacy.

15 U. S. C. 1681 section 604A section 2 : It also state 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