BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-15
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:
I contacted XXXX and asked them to correct the inaccuracies that they are reporting to XXXX, TransUnion and XXXX  they ignored my request. 

I contacted TransUnion, XXXX  and XXXX  and asked them to verify this incorrect information or remove this account from my credit file because it is not being reported with 100 % accuracies. 

They are reporting different things to all three of them. The account types are different. The 30, 60, 90, XXXX  and XXXX are being reported on differently. The same derogatory late payments are being reported on all the reports on different months. An account that is reporting 100 % accurate information would never do that. All the information would match on all 3 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 explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all XXXX credit bureaus ( XXXX, TransUnion and XXXX ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular, 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests.

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 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing to express my grave concerns and to file a formal complaint against Capital One concerning an account under my name, specifically the Capital One XXXX. 

Overview of the Issue : In XXXX of XXXX, after receiving communication about outstanding debts, I promptly sought legal assistance from the XXXX XXXX XXXX ( XXXX ) with the understanding they would help negotiate and settle the debts on my behalf. 

However, what followed was a series of unexpected and distressing events : In XX/XX/XXXX, I was informed that my case with XXXX was being transferred to XXXX XXXX. 
In XX/XX/XXXX, I was served with court documents from Capital One, claiming I owed an amount of {$5100.00}. Fortunately, XXXX XXXX responded to these documents, effectively placing the legal proceedings on hold. 
To my surprise, my case was then transferred to XXXX XXXX XXXX. I've found XXXX XXXX to be acting in bad faith, demonstrating a concerning lack of communication and transparency. I am in the process of filing a separate complaint against XXXX XXXX XXXX with the XXXX XXXX and Attorney General due to their unsatisfactory conduct. Also in contact with a lawyer regarding bankruptcy, due to my business needs as a small business owner I make almost no money myself and qualify for bankruptcy in this case. Though I would prefer to settle my debts for an amount that feels alright for everyone. 


Current Situation and Plea for Intervention : Due to XXXX XXXX XXXX 's questionable actions, I am now without any legal representation for settlement unless I find someone else, but for now I am facing increasing pressure from Capital One. 

It deeply concerns me that, as a consumer who took proactive measures to address a financial situation by engaging a law firm, I am now in a more challenging position due to the actions of the legal entities that were supposed to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: TD BANK US HOLDING COMPANY
State: WA
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:
XXXX Amount : 0 Actions : Reported this error with XXXX XXXX they could not get it removed. XXXX recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2017, I was spoke to XXXX XXXX  in XXXX, Oregon about purchasing a used vehicle. I am self-employed as a XXXX XXXX who does XXXX XXXX XXXX and while I realize lenders don't like that, I didn't expect them to put 11 hard inquiries on my credit. Also, they put that I worked at XXXX and XXXX XXXX XXXX. I've never worked at XXXX, and I didn't tell them that I worked at XXXX. And, as far as I know, there is no XXXX XXXX XXXX and I don't have a company by that name, or any company for that matter. I was told by Transunion and XXXX  that I can not dispute the information, and that I would have to get a letter from the dealership. When I call the dealership, they will not speak to me or they take a message and no one gets back to me.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: OH
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:
To whom it may concern this is my XXXX time filing a complaint with CFPB over the item with XXXX XXXX XXXX c/o XXXX XXXXXXXX XXXX The requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ). FCRA, you are required to investigate the item mentioned if I request it, and further provide me a written report of proceedings. The FCRA, you must remove any alleged unproven negative information of which I have previously filed a complaint over the item about the error in reporting privilege ( s ) by the indicated reporting entity ( ies ). However, at a minimum reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted furnished items. Please delete this file from record on my credit report at once.

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 2019-04-12
Company: New Mexico Educational Assistance Foundation
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans were defaulted even though I was enrolled at school. They started the timer on my payments when I should have been under the protection of In School Deferred payment status. From the day you leave school you have 6 months before you start making payments. As you can see by my transcripts I was enrolled in school and the timer for payments was started while in school which lead to a default that was inaccurate. 

I was notified of default and spoke to NMEAF to advise I was enrolled during those periods that they have me as delinquent. Had my information been accurate I would not have been in default. Even with giving NMEAF this information they chose to leave my loans in default status. This benefits NMEAF as they receive payment from the government. 

The affects of this Default are far reaching, 1. I have had to pay a higher interest rate being that I had to consolidate my loans. This has raised my overall payment and is costing more money.

2. I am disqualified from Public Service Loan Forgiveness with a default. I am a XXXX XXXX and was planning on working for PSLF. 
3. It has ruined my credit report due to the default and the inaccuracies that NMEAF choses to report. 

First delinquency is showing XX/XX/XXXX with default taking place in XX/XX/XXXX. I spoke to NMEAF about my enrollment status that same month XX/XX/XXXX, I consolidated my student loans that same month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I called Transunion for the fourth time and I wrote Transunion a letter on XX/XX/XXXX regarding a collection item, that was not verified. I spoke to a " XXXX '', who stated he was a supervisor. I told him that the collection item was not mine and that it was inaccurate and unverifiable, unfair as per FCRA section 611 ( a ) ( 1 ) ( A ). And should be removed from my credit report. He was very rude and discourteous, and did not listen to what I was saying at all. I asked him what " method of verification '' under the FCRA, section611 ( a ) ( 6 ) ( 7 ), was used, that I had previously requested and Transunion,  did not honor. He said the method of verification was automated through a computer. I told him computers make mistakes and errors all the time. I asked who did Transunion speak to regarding this item and he stated they never speak to anyone, it is done by computer. Transunion is practicing illegal and unethical business practices. He also, stated that whatever the creditor says goes. I then told him I never consented to XXXX   or any type of automated verification. My name means something to me and Transunion is in violation of the Fair Credit Reporting Act and something should be done about them. Transunion should not be in business. They care nothing about the laws, or consumers. Transunion should be held liable for their willful non compliance. This is the worst service I have ever received. ( XXXX XXXX Transunion XXXX XXXX. XXXX, XXXX   XX/XX/XXXX ). The public should be made aware of Transunion unethical business practices. As well as the Attorney General and Federal Trade Commission.

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 2022-07-18
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : 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 2019-03-20
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
" SYNCB Credit Card/ Airlines '' was added to my credit reports today, XX/XX/XXXX, stating I opened the account in XX/XX/XXXX. I never applied for a credit card or anything in XX/XX/XXXX at all. I fear this is fraud and I need to get it off my report ASAP. There is no amount stated and I tried calling them and I had an automated voice ask me for account numbers that I didn't know and no option to speak with a person. I have no files to attach because it is only on my credit report that will show other personal information. If you need to see my report please let me know.

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 2022-07-18
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : 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 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 NEVER HAD XXXX AT MY ADDRESS AND THIS ACCOUNT WAS STARTED BY SOMEONE OTHER THAN MYSELF USING INFORMATION THEY PROBABLY OBTAINED FROM THE DOCUMENTATION AND IDENTITY AND CREDENTIALS THAT WERE IN MY VEHICLE THAT WAS AUCTIONED OFF. 

THIS WAS REPORTED TO AND UNDER INVESTIGATION BY THE UNITED STATES POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISIONS, MANAGER XXXX XXXX OF THE US POSTAL INSPECTION SERVICE AND POLICE. 

THIS ACCOUNT WAS REPORTED OPENED ON XX/XX/, 2018 ON TRANSUNION CREDIT REPORT # XXXX, WHICH IS VERY UNLIKELY TO BE ME WHO OPENED THE ACCOUNT AS I WAS NOT EVEN IN THE UNITED STATES DURING THAT TIME. 

AS SUCH, PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT AS IT IS HURTING MY ABILITY TO APPLY FOR CREDIT PRODUCTS AND EMPLOYMENT WITH THIS COLLECTION ITEM SHOWING ON MY CREDIT REPORT. 

A COMPLAINT ABOUT INACCURATE REPORTING HAS BEEN FILED WITH THE CONSUMER FINANCIAL PROTECTION BUREAU REGARDING TRANSUNION AND 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 2018-04-13
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I filed a dispute over a collection being reported. I am an XXXX XXXX XXXX and the Serviceman 's Civil Relief Act ( SCRA ) protects me from having debt collections on my credit report. This debt, whether paid off or not, is not reportable per this guidance. I wish to have this taken off immediately. For your information, the debt just happens to be paid off so it is not necessary for me to have to speak to the collection agency at this point. Thank you for your time, 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 2022-08-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has not updated the late payments that I have been disputing on my credit report 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done, { XXXX } can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If { XXXX } reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with this account should be updated to 100 % paid on time. 

ACCOUNT : 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 2022-07-15
Company: United Collection Bureau, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting repeated calls and voice messages from debt collectors. I have no outstanding derogatory debts or accounts that would cause this. I am being incorrectly targeted. I have answered the calls and told them they have the wrong number but they keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I rescinded my installment loan contract with XXXX XXXX XXXX which I sent a certified letter to the dealership and CEO via certified letter also to the finance company Santander USA and its CEO as well stating how theyll violated my rights several times one being taking my {$10000.00} down payment. 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before November 1, 1977 from requirements of 433.2 ( a ) also 15 U.S. Code 1635 ( a ) I notified them that I wanted to rescind. Also pursuant to the Federal Truth in Lending Act I requested the return of my deposit in the amount of XXXX pursuant to 15 U.S. Code 1692 ( k ) ( 1 ) seeking damages in the amount of {$44000.00} as well as damages for each violation in the amount of {$6000.00} and cancellation of any lien against my property and request same within ten ( 10 ) days as required by law which they have failed to do and this was requested on XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital System s aid i owe  XXXX   XXXX  After reviewing my recent credit report i contacted the company letting them know this not my debt and do not have or ever had a account with them asking them to remove this account through letters the company did not respond more then a month and a half  XXXX   XXXX  Bank said i owe them  XXXX   XXXX  i contacted them through letters stating this debt is not mine asking them to remove it but 2 month have gone by with no reply   XXXX    XXXX  has inquiries on my credit file  XXXX ,  XXXX  and  XXXX  that should not be there. i have a credit card account with them in good standing These are soft inquires so why do they show up on my credit fil e  XXXX  rep ort a inquiry  XXXX  i never applied for credit  with  XXXX  i sent letters requesting them to remove the inquiry with no reply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been calling for weeks to report my credit card lost and can not get in touch with anyone. I see theres a balance higher than I should have. I also can not make a payment online or over the phone and I dont want to get charged fees or interest for not paying my card when the company does not allow me to

Company response to consumer: Closed with non-monetary relief