BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) 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 2022-12-22
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Received a phone call from XXXX XXXX at XXXX on XX/XX/22 for case XXXX. Left messages. His recording states that calls will be returned within 24 hours. No response. 

Phoned Elan credit card disputes department again on XX/XX/22 and agent stated that the dispute would be escalated due to no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: TX
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 accounts are fraudulent : XXXX  XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Associated Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received notification from debt collector dated XX/XX/XXXX. Called debt collector on XX/XX/XXXX to inform them the debt was paid on XX/XX/XXXX and cashed on XX/XX/XXXX by original biller. Debt collector had no record of payment. Called original biller and they confirmed that debt was paid and would notify debt collector. Received notification from debt collector dated XX/XX/XXXX that debit was still owed. Contacted debt collector on XX/XX/XXXX and spoke to supervisor. Supervisor claimed I would need to provide proof of payment, I told they would need to contact original biller and supervisor claimed it didnt work that way. Contacted original biller and they informed me that they have notified the debt collector on two occasions, in XXXX when debt was paid, in XXXX when I called and would send another notification. Agent claims that it sometimes takes 2 or 3 notifications for the debt to be cleared and to give it a week and call back debt collector to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: U.S. BANCORP
State: NV
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:
On XX/XX/2021 I received a CC in my former name but current address, that I did not apply for. On XX/XX/XXXX, I called to speak with a representative to inform them, it automatically activated the account due to me verifying all the information. I have been unable to get a live representative on the phone to close or dispute this account. I checked my credit history and there was no suspicious activity reflected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Nagle & Zaller, PC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My Homeowner 's Association ( HOA ) has changed management companies several times since I moved into my community. Presently, statements are not being mailed to residents. I set up an online account to make payments. Unfortunately, I misplaced that information. I made attempts to contact the HOA to obtain information about how to continue making payments and have been unsuccessful in receiving the information. I asked a neighbor for the website and was able to login. Instead of being able to make a payment, I was prompted with information that notified me that my account had been sent to collections. 

I received a notification from the law firm, Nagle and Zaller, P.C., that my account is in collections. I am being charged the following exorbitant fees. ( NOTE : I have not received a response from the law firm, and I am unable to pay the HOA fees online. 

{$300.00} - HOA fees {$45.00} - Late fees {$2.00} - Interest {$12.00} - Other costs {$300.00} - Legal fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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: Account information incorrect

Complaint:
According to my credit reports, XXXX is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of XXXX stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to XXXX fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted XXXX to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. XXXX assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that XXXX refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by XXXX, I also incurred a late payment fee by XXXX because XXXX refunded one of the duplicate payments without my authorization. I believe XXXX did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that XXXX refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of XXXX unauthorized refund of one of my payments. 
I DID NOT REQUEST XXXX REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.

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 2021-02-03
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: Information belongs to someone else

Complaint:
Transunion, XXXX, XXXX  has allowed XXXX XXXX  to report open account on my credit profile although I notified the credit card company that the initial account was opened fraudulently. Ive also notified all three bureaus of this. The company is now violating my rights under The FCRA and has re-opened an account that should have never been there in the first place. The account is showing re-opened in my credit file as ofXX/XX/XXXX and has also cost me -45 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Maximus Education, LLC dba Aidvantage
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off the remaining balance on my student loans on XX/XX/. I reached out the week of XX/XX/, as I could no longer could log in to my account. It seems the blocked my access to the portal but sent no confirmation that loans were paid off and after 30 days, the student loans are still showing on my credit reports. I am waiting for the credit report to be updated before I apply for mortgage. They are dragging their feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: Mercedes Benz Financial Services
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Mercedez Benz account is reported multiple times only one account should be posted. XXXX XXXX is reporting what the creditors pay them to post even if it's inaccurate. XXXX XXXX is reporting more than once and it's the same accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Equifax has an address as for me in error as XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is an office build I never lease or live at this address Please provide me documented proof as to I lease here or live here at this said address as Equifax has on file. 
Attach is a photo of office building

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Account NumberXXXX has violated my rights. Or list of inquiries 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 2021-12-21
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent a validation letter to XXXX, XXXX, and Experian regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. 

On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for Experian and XXXX it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance 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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2019-05-13
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MCM needs to remove their fraudulent account. No such account exists on my XXXX  or XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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 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 Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2022-01-27
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company has not sent me a copy of the contract stating this account belongs to me. They have also added information to my credit file advising charge off being current since 2017. This has damaged my credit history and I need information to pursue the correct information legally. I have contacted them on many occasions and haven't got any information I need.

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 2023-11-17
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
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: Account status incorrect

Complaint:
I had a medical collection that I paid off that was showing on my report. I paid this debt off in the amount of {$110.00}. The debt was then to be removed from my report as it is a medical debt. So far it is still showing as a collection on my report from 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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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