BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX XX/XX/2021.

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 2019-06-18
Company: Monterey Financial Services LLC
State: MS
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:
After seeing on my XXXX credit report that I had an outstanding balance of {$19000.00} through Monterey Collections, I called the collection company on/about XX/XX/XXXX. They did not have my social security number in the system or connected to any account. I had never received anything in the mail from the company. ( They told me that correspondence had been sent to ... my ex-mother-in-laws home which I never lived ). I told them this as well as the fact that my ex-husband is solely responsible for the XXXX timeshare. I have no paperwork, no information since our divorce in XXXX when he was awarded the XXXX and held solely responsibly via court documents for all payments with me being held indemnified and held harmless ( see section XXIV attached ). They told me I would still be responsible. I told them I had court documents stating otherwise. I went through XXXX  to dispute and included my divorce decree in that documentation. The collection company still refused to delete from my credit report and instead added a note that it was a joint account with my ex-husband ( even though the court papers state I am not responsible for anything that was joint- he is ). After the fact, I contacted our state Attorney General 's office and was told that legally I am not responsible for any of it and they can not come after me in any way. It would not hold up in any court. I am going to file a case through our state 's Attorney General 's office as well. I need this deleted from my credit report and for them to not contact me about this in the future for any reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Unknown account appeared on my TransUnion Consumer Files for XXXX XXXX XXXX I previously had no inquiries

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 2019-06-18
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was in collection with XXXX XXXX XXXX XXXX ( now know as XXXX XXXX ) in XXXX. This debt of XXXX was sent to the collection agency know as The Best Service company. When they called me to pay it in XXXX I paid the amount of XXXX on XX/XX/XXXX. Which is XXXX cents shorts of what they were suppose to tell me to pay. This is not my fault and I have a paid in full letter from the Best Service Company. How I found this out was I was refinancing my car loan in XXXX and they said I had a collection amount with XXXX XXXX still. I called XXXX XXXX and they said that there was XXXX cents still owed. They just credited the account at that time which still now shows I was in collections for four years. I called the Best Service Company who owned the debt and asked what went wrong. They admitted over the phone to me that they told me the wrong amount but still sent me a paid in full letter. I asked them to admit their wrongdoing on paper so I can dispute it and they wouldn't. I disputed this with each credit bureau and it doesn't look to me like they did it right. XXXX says last payment made on this account was XXXX of XXXX when they credited the XXXX cents. ( even though I paid this in XXXX ). Both companies were in the wrong because The best Service Company wont admit on paper that they were wrong and XXXX XXXX did not let me know that there was still a XXXX cents balanced. This means that I have looked delinquent to banks and other creditors for fours years over this XXXX cents that wasn't my fault. This is not fair to me and I do not know how to get this removed from my report.

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 2023-06-01
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear TransUnion Representative : Delete the dispute notation from my credit report I have previously requested you delete all addresses on my profile that I see reappear again on my profile. Also, delete all the above addresses & * ph. # business info as well. 

Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Employer Occupation XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or ( 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  Account : XXXX Creditor : XXXX-XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was laid off on XXXX, I filed my EED claim. 
When I call the bank asking for my debit card, what they do is to block the " card in transit '' and issue a new one. 
BOFA has issued 5 debit cards, each one of them per time I have called them  to request status of the Debit card and none of the 5 cards has ever reached my address. 
My address on file is correct. 
I have 3 months waiting for the first card they said they have issued but I have never received any. 
I need to access to my unemployment payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$20000.00}

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 2020-03-14
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Hi, Ive noticed https : //www.equifax.com/ is offline for half the united states.

Is this because of negligence?

Are you responsible with my financial information and identity records, should you get hacked or compromised?

How can i submit address changes and disputes without the website?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On two occasions my payment was shown to be late but that shouldn't have been the case I called the company to explain reseasons for the billing situation and the online banking payment methods. but I was unfairly marked 2 times for late payments, but since then in the past year I have cleared up the situation but they refuse to forgive and clear my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: MA
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:
I noticed a XXXX XXXX XXXX registered under my name as I was paying for my license online. I immediately cancelled the registration. I immediately filed a police report for identity theft and contacted Experian in XXXX. I also recently located the vehicle at a family members house and made a stolen vehicle report.

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 2023-05-21
Company: WESTERN UNION COMPANY, THE
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
This is a complaint against Western Union : I made a money transfer to XXXX of {$2000.00} on XX/XX/2023 and was charged a transfer fee of {$170.00}. I made the same kind of transfer on XX/XX/2023 for {$2000.00} to the same recipient and was charged a transfer fee of {$50.00}. My question ( which was not answered by the company when I called to find out ) is why the increase of {$120.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied to a job and this was the background check that came back. I was XXXX with XXXX XXXX that were later completely dropped. Howeve, they still show that I was not only XXXX with but XXXX  of. Which is totally completely WRONG! I was only charged with a XXXX XXXX XXXX charge. Not a XXXX  charge. Not a XXXX  charge. I was in the car with someone else that had these things. I was originally XXXX but the XXXX were dropped. Why is it not only stil showing I was XXXX  but also XXXX This is wrong. 100 percent wrong. Please fix this please. This happend XX/XX/XXXX. The disposition date was XX/XX/XXXX. XXXX XXXX clerks office definitely has a copy of this. Thank you and please make this right please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
Pursuant to 15 USC 1681 a ( 1 ) The Banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report, I realize that my report is in accurate in this inaccurate report is unfair to me, because I was never notified where the inaccurate information was furnished, and I was never notified during the companys investigation that they were going to report the information.

Pursuant to 15 USC 1681 a ( 1 ) This grave in accuracy has undermined my confidence in this companys procedures, and as a result of this, I am thinking about no longer extending credit, and if the information is not removed, I no longer want my information reported in this companys database.

Pursuant to 15 USC 1681 a ( 2 ) Trans Union is a powerless, elaborate mechanism this mishap that Trans Union has caused has ruined my reputation in adversely affected my credit worthiness.

Pursuant to 15 USC 1681 a ( 3 ) Trans Union assumed this role they were not given expressed permission by me, the consumer or a competent court of jurisdiction so not only did TransUnion fail in the initial investigation. They also assume this role and assume this information was valid, which is a violation of my consumer rights. 

Pursuant to 15 USC 1681 a ( 4 ) Trans Union did not ensure that this information was accurate and Trans Union did not exercise their grave responsibility with fairness and impartiality. Trans Union took one side of the story and never consulted with me to find out if this transaction even took place as a result of this, my privacy was breached and is violated my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that Trans Union is reporting and failed to investigate whether or not if actually took place can be categorized as a transaction that took place between the consumer and the person making the report which means it should not be included in my consumer report, and in fact, is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) 2 A ( iii ) And Trans Union initial investigation. I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a B Any authorization of a specific extension of a credit card or similar device should be excluded from my consumer report this alleged transaction that Trans Union clearly did not investigate. It is categorized as a transaction that was issued from a credit 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 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX  - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late.

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 2023-06-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard Inquiry that I dont know and did not authorize From XXXXXX/XX/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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

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 2021-03-26
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I learned from my credit report that someone in Michigan had opened a XXXX account under my name. I sent an Identity Theft Claim to XXXX in XX/XX/XXXX. I never heard back. In XX/XX/XXXX I received a Collection Letter from ERC referencing the XXXX account. 

I have never lived in Michigan. Earlier in XXXX I had been the victim of an identity theft, again in Michigan, when someone purchased a car in my name. That case has been resolved. I placed a Fraud Alert on my credit reports as a result.

Company response to consumer: Closed with explanation