BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 to first compliment cfpb for helping me in resolving issues with the credit reporting agency 's. I am submitting this complaint today because I had an update on XXXX XXXX today X/XX/17 and my score went down even more. Now it 's at XXXX but XXXX is at XXXX. I ca n't get online to view my transunion report and every time I call they send me over to answering machine to leave a message. I do n't no why my score keeps going down with transunion. I have sent proof that XXXX accounts DO NOT belong on my transunion credit report. The first one is XXXX XXXX XXXX and the other one is XXXX XXXX XXXX XXXX. It seems every time I put in a complaint my score keeps going down. XXXX is NOT doing a proper investigation or they would have received the same response that XXXX received to DELETE these XXXX accounts off of my credit report. It is unbelievable that I ca n't get a copy of my report nor view it online. I also keep receiving letter from them that they need more time. I understand an investigation can take up to 30-45 days and if they do not respond the information being disputed is removed off the report. I have been disputing this wrong information for over 4 months now and they keep sending letters they need more time. This is wrong and I do n't no what is going on but transunion is affecting my credit score and credit worthiness in obtaining credit. If the company 's did not respond it is automatically removed off the report. They have had substantial time about 4 months to correct this. It 's well over the 45 days allowed. I do n't no what is on my credit report to have my score so low. There is also another account that do n't belong on there that account is XXXX. I have send and uploaded proof that XXXX has confirmed and deleted all XXXX of these accounts off my report. I also received a letter about a month ago from transunion that in so many words ... ..do n't care what XXXX or XXXX  is reporting. What kind of response is that? I fully expect these XXXX accounts to be deleted off my report. If a proper investigation was done this problem would have been fixed months ago. Ready to sue transunion at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Alliance One, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Looking for help in resolving a misunderstanding that has cost me {$140.00} in late fees and negative impact on credit report. Began earlier this year when I discovered my old XXXX credit card had expired I applied for a new one. I later learned, however, that my previous online profile does not carry over from one card to another and therefore, the settings I had in place to pay my account in full each month ( as I do with all my credit cards ), had been reset. In addition, I verified the settings were in place after the new purchase, but assume now I was seeing the old online profile. I assumed statements received were duplicative and the account was being paid. <P/>I never received other notifications from XXXX, by e-mail or by an identified phone caller. What I did receive, which I discovered in hindsight, were repeated robo-calls coming from a non-identified number that never left any voice mails. All this couldve been easily resolved with a simple phone message or e-mail notification. <P/>It was not until I received a letter from the collection agency that I became aware of the matter and when I did, I immediately brought my account up to date. However, by this point, there was no ability ( or willingness ) to adjust late fees and my original a {$56.00} purchase had ballooned to nearly {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Experian Information Solutions Inc.
State: MS
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 received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with XXXX/XXXX AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Bank of America, XXXX XXXX Master Card has been falsely/erroneously charging me for a rental car charge made fraudulently in XXXX, XXXX in XX/XX/XXXX. Further, BOA falsely/erroneously repeated the same charge twice without any basis. BOA has admitted that they made an error in charging my card erroneously however they have not resolved the issue to date ( XX/XX/XXXX ). I have been in frequent contact with BOA trying to resolve this issue, both on the phone ( several hours waiting on hold ) and at a local BOA branch. I have submitted a police report to BOA which was issued by the XXXX, XXXX Federal Police, yet BOA has refused to refund the original fraudulent charge of {$440.00} and indeed charged my card a second time for the exact amount ( {$440.00} ) without any basis. BOA credited my card {$440.00} while " investigating '' my claim, but last week charged my card another {$880.00}, stating that " We confirmed statements were mailed to the address you provided for this claim and payments have been made on the account '', with no other clarification. I am frustrated and feel like BOA has stolen money from me and has not complied with their credit card contractual agreement. Lastly, I have not used any of the XXXX miles which I have earned and fear losing them if I get rid of the card.

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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My identity was stolen XX/XX/2019. This same person has tried to open up several accounts in my name, resulting in credit inquiries from various companies. I contacted said companies about the fraudulent activity, and they closed the accounts. The companies also sent letters to all 3 credit bureaus to have the inquiries removed for fraud. I had inquiries from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Only XXXX  has removed the fraudulent inquiries. Transunion and XXXX  refuse to remove these inquiries even after disputing them, calling them, and sending them evidence that these inquiries were done under fraudulent circumstances. I will keep filing complaints and filing disputes until all of these fraudulent inquiries are removed from all 3 credit bureaus.

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 2019-02-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Those dates are : 1. XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Convergent Account # 1234, has violated my rights. 

LIST ALL ACCOUNTS HERE : 1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX - XXXX 3. XXXX XXXX - XXXX 4. XXXX  XXXX - XXXX 5. XXXX XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

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 an 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 2017-09-30
Company: EQUIFAX, INC.
State: MS
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 received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with XXXX/XXXX AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XX/XX/XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XX/XX/XXXX. The car was in excellent shape and the lease was paid as agreed. This was my 3rd lease with XXXX/XXXX AND I was in good standing with A1 credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease 3 XXXX 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/2022, I sent Transunion a letter requesting that they disclose the method used to retrieve/verify an alleged bankruptcy on my credit report. This was not a dispute but a request to verify the method ; however, Transunion initiated a dispute for this item. 

On XX/XX/2022, Transunion responded noting that the name and person used to verify the bankruptcy was XXXX XXXX XXXX Illinois. 

On XX/XX/2022, I responded to Transunion noting that I went directly to the Bankruptcy Court and in response to my inquiry they claim to have never verified this item with Transunion as they do not report or verify such information. This would mean this bankruptcy is by law considered UNVERIFIED. 

On XX/XX/2022, Transunion responded stating that they've completed the investigation and the dispute item is verified as accurate. 

Transunion has failed to disclose the method used to verify the alleged bankruptcy considering the courts do not verify this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need this item deleted from my report. I'm working on this all on my own XXXX. I saw some inquiries too 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. I have contacted my local police and the FTC.

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 2022-08-13
Company: EQUIFAX, INC.
State: MN
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:
This is XXXX XXXX and I am submitting this complaint to you today to request that the Credit Bureaus remove the following items completely from my Credit report. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I have been sending letters requesting for the update of the disputed accounts and yet they have done nothing, I have reached the peak of my patience and I am now urging the Credit Bureaus to remove the disputed acounts completely from my Credit report : XXXX XXXX XXXX  XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXBalance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$9900.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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  XXXX, XXXX, XXXX, XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX ) XXXX, 15 U.S.SC 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 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 2020-02-10
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried to pay my mortgage payment online at the wells fargo website, in XXXX. I have been paying my mortgage for years at this website. Now I can log on but as soon as I click on mortgage it kick me out. I have talked to many reps from wells. They just give me the run around.

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 2020-02-10
Company: Experian Information Solutions Inc.
State: SC
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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need this item deleted from my report. I'm working on this all on my own XXXX. I saw some inquiries too 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. I have contacted my local police and the FTC.

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 2021-06-15
Company: EQUIFAX, INC.
State: IL
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 requested that XXXX  prove to me how they " verified '' that the account with XXXX is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. This does not happen. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a collection company that charged me twice for the same service. I paid one account and they advised me they would correct their error and it is still on my credit file. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: WI
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  XXXX, XXXX, XXXX, XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX ) XXXX, 15 U.S.SC 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 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 2022-04-26
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX loans were taken out in my name for trips to XXXX that I didn't authorize. The trips are through XXXX and not in my name even though the loan with XXXX is in my name. 
XXXX says that the trips are non-refundable and XXXX is requiring me to pay.

Company response to consumer: Closed with explanation