BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In accordance with the Fair Credit Reporting Act code 15 USC 1681, it is TRANSUNION 's duty to provide accurate and fair credit reporting. Failure to do so directly impairs the efficiency of the monetary systems and directly undermines public confidence within said systems. It is imperative that TRANSUNION only provide the most accurate and up to date reporting to continue the proper functioning of the banking systems.

TRANSUNION is reporting 5 late payments on the XXXX XXXX XXXX accounts ending in : XXXX XXXX XXXX XXXX XXXX All 5 of these accounts include a late payment of 90 days, set on the month of XXXX of year 2017. This is incorrect information being reported and shall be reported as PAYS or PAID AS AGREED. Furthermore, persuant to 15 USC 1666b, A creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not less than 21 days before the payment due date. Also adding in violation to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), by furnishing any transactions as late payments. The term " consumer report '' does NOT include information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments do constitute transactions and thus, TRANSUNION is in clear violation of my federally protected consumer rights.

Lastly I NEVER provided TRANSUNION with my express written consent to furnish these inaccurate late payments on to my consumer report and this in violation with 15 USC 1681b ( a ) ( 2 ).

These inaccurate and derogatory statements have caused myself and my reputation unnecesary harm and difficulty as a consumer and as a natural person. I have written this letter without ANY connection or affiliation with a third party.

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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt from XXXX XXXX XXXX  keep coming back when I never been to this hospital or place. I do not even know how they have my information and how do this collection agency have this debt

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 2021-08-09
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 filed a complaint on XX/XX/2021 with FTC against XXXX XXXX  scamming me on a car loan. Please see the attached report and remove this item immediately from my credit profile. I will take civil action against vehicle solutions on the backend for trying to collect on a vehicle that the committed a scam on and placing it on my report. Attached please find the FTC report that was filed against this company. 

Thank You

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 2017-09-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Concerning signing up for ID Protection with Equifax. First they told me I could n't sign up until X/XX/2017. Then when I tried to sign up instead of being enrolled at that time they said I would receive an email in a few days with a web link where I would be able to finish my enrollment in ID Protection with their company ( XXXX XXXX ). It is now 11 days later and I still have not received that email with the web link. Can you help me with this problem. Somehow I do n't think I 'm the only one with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: NJ
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:
Reporting the same Department of Education Balance twice. How can the same charge show up 2 separate times? Not only were these being updated during the pandemic, which the CARES ACT put a halt on all student loans, but I paid them off and was promised they would be removed. I trusted the Department of Education, which I paid close to {$2500.00} when money is extremely tight, to honor their word. Now not only are they reporting the same account twice but they are leaving them on making getting transportation and housing much harder and much more expensive.

The struggling now are struggling more than ever. Our own  Department of Education and XXXX  and Equifax are hurting us more than anyone else. 
1. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type Installment XXXX XXXX XXXXXXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2019, I was a victim of the XXXX XXXX XXXX I ignorantly cashed checks against my checking account not knowing that they where bad checks and I was involved in the XXXX XXXX XXXX. My checking account was closed for bad checks which was associated with the XXXX XXXX XXXX and the remaining of personally funds of {$930.00} is being held against my will at City bank. City bank did not give me a reason a for why they are keeping my funds. City Bank continues to tell me that I will receive a check within 30 days but I have not yet received any funds and it has been a few months since I made the request. I have lost thousands and thousands of dollars and I am trying to fix this situation and have gotten any support from the above the banks. I am a victim of a XXXX XXXX  XXXX.and I need help getting this situation resolved. I owe on a {$6600.00} loan I pulled out to pay for the taxes on my so called winnings and am paying back money to XXXX XXXX  as a result bad checks associated the XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Experian Information Solutions Inc.
State: TX
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:
These inquiries below should be removed from credit report. did not authorize. 

Account name XXXX XXXX XXXX Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX XXXX XXXX Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX XXXX XXXX  Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX XXXX Options Show more Account name XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX XXXX Options Show more Account name XXXX Date of requesXXXX XXXX + Options Show more Account name XXXX Date of request XXXX XXXX Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX  Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX  Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request 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 2018-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2017 The above inquiry is fraudulent please investigate and remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that Equifax and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also Equifax and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: JPMORGAN CHASE & CO.
State: OR
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:
These companies have reported incorrectly to my credit reports for years. Theyre only reporting negative information. It is a violation of the federal fair credit reporting act to discriminately report ONLY NEGATIVE INFORMATION!!!!!!!!! I have filed multiple complaints, multiple disputes and theyre response NEVER EVER EVER ADDRESSES THE COMLAINTS OR THE DISPUTE, and comes in the form of a form letter that says what theyre reporting is correct! How is this legal and how is the ok to do to people? This has got to change or I am going to the attorney general, and my state officials. The CFPB has done nothing to assist in the matter as well so as an exercise in futility and to improve my finger to screen speed, here I am filing yet another complaint against these companies. If it has not been stated clearly yet, the companies ARE DISCRIMINATELY ONLY REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORTS! Do I need to cite the actual law regarding this or do the cfpb and the people who receive the complaint at the creditors office actually know that this is not legal and violates the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent this credit reporting agency request for change in my personal information along with disputes and verification request About in for incorrect information that is posted to my credit with file. I've sent them multiple disputes about inquiries and charged off accounts. On a few occasions they have updated information but giving me no proof or verification as to how They gained that information and who they gained it from. 

They have shared my report without my consent and at least one case they have placed a security freeze on my account without my consent. 

On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent certified affidavits disputing information on my credit report and requested Verification and information on who and how the verification was done. All Requests were signed and dated in front of a Notary Public. 

Almost every time i sent letters it took over 30 days for a response. 
I also sent multiple requests over the past one year and 6 months requesting this information be corrected and verified that was not sent first class mail. 

They Have Allowed XXXX  XXXX, XXXX XXXX XXXX, And XXXX XXXX to Post incorrect And unverified information on my credit report for over 5 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: DISCOVER BANK
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Company would not offer refinancing unless credit was perfect or never missed payment. Any logical person would know If payments were affordable there would be no need to refinance. Also Variable interest lending to a XXXX year old student desperate to receive an education is just not right. It is almost predatory. I will accept the responsibility of being a uninformed borrower. But the simple fact I can send money and pay but never pay the loan down if i miss a $ 700+ payment is utterly ridiculous. Which means company will collect thousands of dollars and say I owe more. This ruining my life and the life of others. This preventing many people from being productive citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Paypal Holdings, Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I applied and received a PPP loan through XXXX ( paypal ) of {$20000.00} on XX/XX/XXXX. I've applied for the loan forgivenss through them two times. Once in XX/XX/XXXX and Again on XX/XX/XXXX. Every time I call to follow up or login to check the status the system doesn't work. Then they don't answer. My security questions won't work. Then when I call to rectify the problem they put me on hold or transfer me from person to person causing me to be on the phone for long wait times averaging about 45 minutes per call. Then they can't answer simple questions as to when i can expect an answer from the XXXX. They tell me to complete new forms. In XX/XX/XXXX I submitted the XXXX XXXX Form. Then this XXXX they told me to fill out the XXXX Form. They can't provide me the exact dates of when the forms were submitted. I have confirmation and receipts and they refuse to email me copies. 

They seem to intentionally give me the run around and won't give me answers as to when i can expect a response. They told me today that the beginning of this year that the XXXX stopped taking applications. But yet they said to fill out the form in XXXX. Also why wasn't my original request in reviwed in XXXX of XXXX? The attachement has all the pertinent loan information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, this is in regard to the previous CFPB complaint XXXX. 
American express has responded to my claim that they confirmed with XXXX that the XXXX points have been successfully transferred to etihad airways account in XXXX which was NOT true. I have attached the account activity from account XXXX for the reference. I also have contacted XXXX that they never received any American Express points on this account. 

Here is the full story : I was trying to transfer XXXX points from my XXXX MR account XXXX to XXXX account in XXXX on XX/XX/XXXX and it was rejected as I realized later that I could not transfer to my wife XXXX XXXX 's account. So I made another transfer of XXXX points to my own XXXX  account in XXXX which was successful. I have contacted XXXX that the account XXXX has NEVER received any points from american express. I did not authorize the transfer that happened on my account on XX/XX/XXXX as the transfer made on XX/XX/XXXX to XXXX was NOT successful. Please see the attachment from the account activity. 

Please return the XXXX points to my MR account or have them transferred to XXXX. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CORELOGIC INC
State: TN
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/2019, XX/XX/XXXX add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/2019, XXXX XXXX XX/XX/XXXX add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/2019, CREDCO add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and 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 2018-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My balance is wrong. 

My transactions were PROCESSED and POSTED, " out of order ''. 

My XXXX XXXX credit card has a - {$91.00} balance. 

BofA # : XXXX # XXXX XXXX XXXX XXXX # : XXXX This fraudulent activity, suspiciouly has absorbed {$100.00} and has alerted me of a negative balance, - {$91.00}, on my credit card, # XXXX. I only made a {$65.00} online payment ... how can I have a negative {$91.00}?!

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OriginalCreditor : 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 2021-01-22
Company: Collection Bureau of the Hudson Valley, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent this company a letter to validate a debt that I owed according to them. I sent the letter on XX/XX/XXXX I gave them 30 days to validate the debt but they never responded. Again I sent another letter on XXXX to let then know about the previous letter that I sent which they also did not responded. I never received anything from them no letter, nothing!! Under the ( FDCPA ), I have the right to request validation of the debt they say I owe. Normally they have 30 days to respond if not they have to stop the collections and delete it from my Credit Report and today is XX/XX/XXXX that's over 4 months. This is very unprofessional from their company and they are still affecting my Credit Report. I have all my letters and receipts In case I have to take this to small claims court, this is affecting me XXXX and I was very generous I waited this long. I am also contacting CFPB about this issue also.

Company response to consumer: Closed with explanation