BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XXXX of 2020 I sent TU, XXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. Courthouse does not verify such info as described in attached letter. All Bureaus recieve a copy of this info and still responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of 2020. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XXXX and this inaccurate item has been sitting since the first dispute in XXXX XXXX at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately as this will be my last courtesy before i file a legal claim for damages

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 2020-09-11
Company: GOLDMAN SACHS BANK USA
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 I disputed a charge to my Goldman Sachs Apple Card. The charge was from a company called XXXX through XXXX that was made XX/XX/2020 for {$190.00}. My dispute was/is as follows : Utilizing the XXXX website I purchased a part for my clothes dryer. I entered the model and serial # on the XXXX website and they sent me a new control box for my appliance. The part they sent me was not the correct part. I immediately reached out to XXXX  and they ignored my requests to remedy the situation by providing the correct part or providing a refund. I then filed a dispute with Goldman Sachs Apple card and provided a copy of the email I send XXXX requesting remedy for their error. While they did provide provisional credit they eventually found in the favor of XXXX because they " provided proof that I made the purchase ''. I dont understand why it took 8 weeks to confirm I made the purchase since I told them I made the purchase in the initial dispute. The dispute is that this company didnt send me the part I ordered and has refused to remedy the situation. I have in turn purchased a new dryer and no longer want the part from this unresponsive company ; I want my money back which Goldman Sachs Apple Card is refusing to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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  XXXX, XXXX XXXX, has violated my rights. 

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 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 2021-09-01
Company: JPMORGAN CHASE & CO.
State: MD
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:
I do not dispute the account reported on my credit report from Chase Bank ( credit card account ). ( I previously disputed the information as incorrectly showing the account as closed on the three credit reporting agencies. ) After I disputed the information originally, the reporting agencies updated the entry to show that the account is open. However, the report still includes a comment that I dispute the information as of XX/XX/2021. Because the information is now correct and I do not dispute the information, I reached out to all reporting agencies and Chase Bank asking that the comment that I dispute the account information be removed. 

Chase Bank provided a non-responsive answer when I requested they report that I do not dispute the account information. XXXX  said there is not enough information so they are asking the creditor for information. Responses from XXXX  and XXXX  is pending. Based on Chase 's inadequate response and the likely response of the reporting agency to ask Chase for information, a complaint to the CFPB seems necessary to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$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 non-monetary relief
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 already reached out to the TransUnion for the following unauthorized inquiries listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

1 ) XXXX XXXX XXXX Date of inquiry XX/XX/2021 2 ) XXXX  Date of inquiry XX/XX/2021 3 ) XXXX XXXX Date of inquiry XX/XX/2021 4 ) XXXX XXXX  Date of inquiry XX/XX/2021 5 ) XXXX Date of inquiry XX/XX/2021 6 ) XXXX  Date of inquiry XX/XX/2021 7 ) XXXX XXXX Date of inquiry XX/XX/2021 8 ) XXXX  Date of inquiry 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 explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Basically the 3 bureau are not removing all the negative items on my report. Every negative items has been disputed numerous times. The bureaus is not following the fair credit reporting act. Stating if no communication the negative item must be removed off the customers credit report. I've spoken woth all 3 bureaus. I have credit repair since XXXX of 2021 and the bureaus has not communicated nothing with me about any validation or nothing. My right as of now is for all 3 bureaus to have them removed. Also if a collection was sold to another collection company that's by law isn't my debt it supposed to be removed as of ASAP. please advise and have these items removed due to lack of communication on the bureaus actions of not helping or removing all these identity fraud accounts. I've told them for years they are not mine. And due to lack of communication the 3 bureaus has to remove them now. Its been way over 8 months with no communication.. please advise and assist.

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 2018-05-18
Company: EQUIFAX, INC.
State: CT
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:
Equifax is incorrectly reporting an account on my credit report for XXXX XXXX. I faxed the letter from the company on XX/XX/XXXX. They claimed they didn't receive it. I faxed it a second time on XX/XX/XXXX. They claim again today to not have received it although both fax reports went through just fine. At this point I'm not sending them any more documentation. They need to remove XXXX for $XXXX because it isn't accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These companies obtained my report without my consent or knowledge XXXX ) XXXXXXXX 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 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

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 2020-10-20
Company: Experian Information Solutions Inc.
State: FL
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 have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2019-06-05
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX  XXXX. XXXX I called them after a " server '' contacted me via my work phone to give me a case # that I was being sued. They gave me the phone number for the XXXX XXXX XXXX. 

The case number was just the case number for the XXXX XXXX. XXXX XXXX who identified themselves as a paralegal that works for the law offices that were taking me to court. that I was going to owe them over {$1800.00} if it went to court, but I could settle with them for {$360.00}. 
I asked XXXX if she worked for a collections agency or a Law firm. She confirmed again that she worked for the law firm. 
I asked to be emailed a copy of the proof of debt. She emailed me a page stating how much I owed, but not actual proof of debt. This page only had a company name and phone number, no address As soon as I mentioned that I needed proof I was told that I would only get it if we went to court. She quickly ended the conversation and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Vehicle loan with XXXX. Car was totaled, XXXX XXXX paid loan off and loan is still open and having a huge negative impact on credit score with the wrong not updated info. Loan should of been closed

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 2019-11-02
Company: Works & Lentz, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a letter to Works & Lentz , INC. in early XX/XX/XXXX requesting validation debt being reported on my XXXX  credit report as : WORKS & LENTZ INC-XXXX. Original Creditor Name : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$260.00} Amount : {$180.00} Status Date : XX/XX/XXXX Status : UNPAID. Account Number : XXXX. They responded to my letter on XX/XX/XXXX with a letter that clearly violates my rights.Works & Lentz , INC. Did NOT comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162, and 164. Works & Lentz , INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXXXXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  - Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX, has violated my rights. 

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 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 2021-06-07
Company: LendingUSA
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
LendingUSA does not allow the option to cancel payments online, and they shut down on Sunday 's and holidays. I was told when I signed up for this loan that I could cancel a payment any day of the week. This is not true. This caused me to get a fee from Lending USA as well as the personal loan company. When I spoke with Lending USA, the reps were rude and not helpful and could not get me the fee credited. They are very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Select Management Resources, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a title loan out Loan Max XX/XX/19 for XXXX dollars, with due date XX/XX/2019 but because I made a payment earlier ( XX/XX/XXXX ) to avoid the interest rate they change my due XX/XX/XXXX Instead of XX/XX/2019 They said I was manipulating the situation, that not manipulating that is business and I know from past experience with loans because I pay earlier my due date never changed This is Loan Max attempt to penalize me for paying earlier so they can gain interest and profit unlawfully .They also it is stated in the contract if you pay earlier you change the due date so you really being manipulating, penalize by loan max so they can collect more interest making less of your payment go on the principle. Also because it is the contract does mean it is legal, I have the right to pay earlier without being penalized by loan max to prevent me from doing so by changing my due date

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX # XXXX, has violated my rights.

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 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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have an unauthorized inquiry on my credit file. I have no knowledge of this inquiry and I need it removed immediately. The inquiry is from XXXX and it occurred on XX/XX/2023. I did not open a account on that day.

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 2019-04-16
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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2021-10-09
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: Was not notified of investigation status or results

Complaint:
Since XX/XX/2021 I have been sending disputes in to ALL 3 BUREAUS and they have failed to conduct an investigation and it has now been 3 months way passed the FCRA timeframe given to investigate at this point the bureaus are now in direct violation and need to permanently delete these items from my report from violating my consumer rights to conduct a proper investigation. Attached is every single dispute that has been sent to the bureaus to investigate. I have also attached my Driver 's License for proof of my identity. Please consider this my written authorization to conduct an investigation. I do not want to have to file a civil suit with a Consumer attorney because the bureaus refuse to do what is right by me as a consumer. 

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 2019-04-16
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my mortgage payment on time in the beginning of XXXX and my payment was not processed. I was forced to pay my payment 3 times in order for it to show with Caliber home loans. My loan # is XXXX and the ph # is XXXX. The payment finally posted in XXXX and now I have a 30 day late on my credit report. I have email confirmations of when I paid the payments. All I ask is the deliquency be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation