BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS : XXXX XXXX & XXXX Potentially negative Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Under dispute Date opened XXXX XXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance {$960.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} DEPT OF ED/XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXXXXXX  Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
REMOVE THESE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Resident type Apartment complex XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, MD XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX THESE ADDRESSES ARE NON-MAILABLE

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT 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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I currently have accounts on all three of my credit reports.

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 2023-12-07
Company: PNC Bank N.A.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I originally had an issue with PNC Bank not paying all my taxes in full. They only paid Half of the taxes. This is was resolved. My issue now is that due to the fact that my taxes were paid late there were late payment fees attached. When PNC finally corrected this problem they paid the late fees out of my escrow account in the amount of {$250.00}. 
Their reason for using my escrow account was because I didnt notify them that I had two separate tax accounts. I did not know that the town of XXXX tax department had made my account into two separate bills. I do not feel that I should have this late fee taken out of my escrow account since it was not my fault. 
PNC bank is now telling me that my mortgage payment will probably go up and that I will be paying more for my monthly mortgage when they figure out what I owe in escrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a complaint last year with XXXX and the issue remains unresolved. I had two loans serviced through them that were discharged and XXXX  out, but the full balance and no change was made as promised by them on my credit report. I received a copy of the letter that was sent from them and the Dept of Education in XX/XX/2023 that confirmed the discharge/forgiveness of these loans in full. The document is password protected, so I had to use screenshots from it which I included as attachments for this case. In this letter, it was promised that these loans would be taken off of my credit report within 60-90 days of the letter being sent. It is now well beyond that timeframe and the loans remain on my credit report with the full balance intact. 

I have tried to contact them directly numerous times, and just the same as before, I can never get through to anyone via email or phone. I worked with a representative from XXXX previously in XX/XX/2023 when I filed my initial XXXX  and CPFB complaints. She had also assured me that these loans would be taken off my credit report from XXXX by XX/XX/2023 at the latest, as that would mark the full 90 days from when the letter was sent to me initially. 

Additionally, I've also disputed through TransUnion several times, with one being recently, and XXXX is still claiming that the information on my credit report is correct with the full balances. The balances on my XXXX online account are XXXX  out as well, so there is no reason why this same information shouldn't be reported accurately through the credit bureaus. It is THEIR responsibility to remove these and report accurate information and they are straight up LYING to the credit bureau and getting away with it. I will also be filing another complaint with the XXXX and attorney general to make sure this gets resolved. If it doesn't, I am more than happy to take Aidvantage to court for these illegal and shady business practices.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I intended to pay my XX/XX/2023 mortgage payment with XXXX XXXX XXXX. 
However, inadvertently, my assistant XXXX XXXX sent my monthly payment to the incorrect bank acct ( my bank acct at XXXX XXXX in error ) : ( The only way we realized this was when I received a text on XX/XX/2023 from credit agencies such as XXXX stating over 30 days late with my XXXX XXXX payment. 
I went to XXXX XXXX right away on XX/XX/2023 and asked what happened to the payment. She found that unfortunatly she sent it to the wrong bank. This was completely human error, we never intended to be late. All of the past payments were on time. 

XXXX and I called XXXX immediately to have them take the payment over the phone and they did so. 

We also made numerous calls to XXXX XXXX XXXX for help in repairing my credit score.. 
And they said write a letter. I also requested a payment History from XXXX and it took a long time for XXXX to send to me.. to show on time always except for the XX/XX/2023 payment due to human error, money went to wrong bank I sent a a couple of letters to XXXX explaining all as well as sending statments showing the money leaving my XXXX XXXX acct on XX/XX/2023, going to my XXXX XXXX acct rather then XXXX... 
Unfortunately, XXXX came back with no help to me after 30 days. They will not remove the negative late reporting to repair my credit. 

Due to the above, Transunion as of today has my credit score XXXX points below what it was in XX/XX/2023 XXXX however, repaired my credit score to what it was in XXXX 2023 I am attaching the XXXX XXXX XXXX  Mtge payment history on this complaint. 

Please help me. My credit score should be repaired this was unintentional Thank you 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 2023-09-28
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an AA Citi Advantage Credit Card to gain the promotional value for a flight I was booking that day. I was told I would receive a temporary card number so that I could use my card immediately. I never received the temporary number via email and I didnt see it on my screen when it supposedly displays. When I called and spoke to 10 different people who bounced me around from Citi dept to dept, I was it would be emailed within 24 hours. I never received it, so I called again the next morning and spoke with a supervisor who said those people were incorrect and that I just had to wait for the credit card to arrive. I said it is false advertising if you are telling people they can use the card immediately to book the flight but cant. I said now I just have a credit card opened and can not book my flight or use the promotional advertised rate. I was hung up then by that supervisor who said he could only close the account for me, without even trying to resolve my problem. I asked for one of 3 solutions : to generate and resend the temporary card number, give me the actual credit card account number as the account has been created, or credit me in the amount that the flight will surely go up with another 10 days as it is a XXXX flight in the amount of {$200.00}. The supervisor told me they could do nothing to remedy my problem but close the account after I provided MY personal information, like SS #. I said you have my personal information, I am giving it to you, so I would like the account number and I was just hung up on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. {$6800.00} CHAPTERXXXX   BANKRUPTCYXXXX {$0.00} CHAPTERXXXXBANKRUPTCYXXXX  {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EdFinancial Services
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I submitted a payment totaling {$13000.00} to Edfinancial Services, the total amount of my loan. They emailed me to confirm the payment was made ( confirmation code XXXX ). On the morning of XX/XX/XXXX, they emailed me saying I " received a new message regarding your Edfinancial Services student loans '', but no message could be found on my account. I noticed a " Payment Reversal '' of the total {$13000.00} I had payed on XX/XX/XXXX, which it said occurred on XX/XX/XXXX. I attempted to call the company multiple times, but after waiting for over an hour, I could not connect with a representative, and selected an option that would have a representative call me back. I never received a call back. I attempted to email them, but this required an account number, which was not stated on the website. I checked with my bank to see if a payment was requested from Edfinancial Services on XX/XX/XXXX, and they stated that there was never any pending transaction with Edfinancial Services. Edfinancial Services also resumed accumulating interest on my account. Finally, on XX/XX/XXXX, I attempted a second payment, which they also confirmed via email ( confirmation code XXXX ). This payment totaled {$13000.00}, a higher amount since Edfinancial Services resumed interest on my account. However, I do not know what will happen, and I fear there is no one at Edfinancial Services who can assure me this payment will go through.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: MD
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, hereby declare under penalty of perjury that I am the victim of identity theft. In XXXX, 2023, I discovered that someone had obtained my personal information without my authorization and used it to apply for credit, resulting in the following inquiries on my credit report : I did not initiate or authorize these credit inquiries, and I believe they are the result of fraudulent activity committed by the identity thief. I am submitting this identity theft affidavit to request that the credit reporting agencies remove these inquiries from my credit report, as they are not a true reflection of my credit history. 

Additionally, I am disputing negative marks regarding open credit accounts that were reported on my credit report by XXXX, XXXX, and Equifax. I believe that this information should not have been included on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). 

As you are aware, this provision excludes from the definition of a consumer report any report that contains information solely as to transactions or experiences between the consumer and the person making the report. In my case, the negative mark that was reported relates solely to a transaction or experience between me and the creditor, and therefore should not have been included on my credit report. 

With the exception of XXXX XXXX XXXX, which should be deleted in its entirety due to identity theft, I also want to bring to your attention that the balances being reported on the other open credit card accounts are in fact, XXXX ( {$0.00} ) and should be marked Paid As Agreed, and are under dispute under the Truth in Lending Act ( TILA ), specifically under 15 U.S. Code 1640 ( a ) ( 1 ) and 12 C.F.R. 1026.38. 

Under these provisions, I have the right to dispute any billing errors or unauthorized charges that XXXX have been applied to my account and those accounts should accurately reflect my true account status until the disputes are settled, to the satisfaction of the consumer. I have already initiated the dispute process with the creditor, and have provided all relevant documentation to support my claim. 

Given the facts presented above, I am requesting that you remove the negative mark from my credit report as soon as possible. As the negative mark was included in error, I trust that you will take prompt action to correct this mistake and ensure that it does not happen again in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2023-11-10
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Care Credit has reduced my credit limit twice without mailing written notification. The second instance occurred in XX/XX/2023. I faithfully log into my account each month and set up my payments weeks before the due date. Around XX/XX/XXXX, I noticed my payment had not been posted to my bank account so I logged into Care Credit and identified my payment was never submitted. Instead, late fees were applied to my account. I called and Care Credit reversed the late charges. I requested a login history for my account and was told that one could not be provided. Knowing my statement date, I logged in to my account to set up my payment for XXXX and CC had lowered my credit limit. When I called in I was prompted for my salary history ( I refused ). Care Credit uses this tactic to reduce your credit limit so they can charge a higher interest rate and try to force you to apply for a credit limit increase. This is also damaging to your credit.

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 monetary relief