BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
on XX/XX/XXXX I sent letters to transunion to dispute these fraudulent unauthorized inquires on my report. and its been more that XXXX days and transunion has not responded. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete inquires below 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 CREDIT REPORT FCRA 605B ( 15 U.S.C. 1681c-2 )

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-14
Company: CITIBANK, N.A.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft. I received notice from a creditor that someone had attempted to open an account in my name and they blocked it due to suspected fraud. I checked my credit report and found an additional inquiry from XXXX  CBNA which was not authorized by me. I did not request credit with XXXX  nor have I ever. I have never done any business with XXXX/Citibank and have never planned to. This inquiry lowered my credit score and is having a negative effect on my financials. I contacted the credit bureau directly and was told to contact XXXX/CBNA to get the inquiry removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Federal Adjustment Bureau, 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:
i was told i was getting paperwork to fill out and never received the documents. this is not my debt and i never lived at the property in question. i was a victim of identity theft, some unknown person rented an apartment without me knowing. and without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: IL
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:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-01-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
5th/3rd bank approved me for a auto loan from me buying out my lease with the original auto company. XXXX XXXX ( XXXX ) told me that 5th/3rd Bank would mail me the documents to make the payment set up. Approved for the loan on XXXX of XX/XX/XXXX but 5th/3rd Bank failed to send any loan documents for payments until I called on the XXXX of XX/XX/XXXX. 

Had to call 5th/3rd customer service rep to have them send the loan/account set up documents out. I was told by the customer service rep that they hadnt planned to send the documents until I reached out. I will be late for my auto payment on the XXXX of XX/XX/XXXX if I dont receive the documents on time. As of the XXXX I had yet to receive any communication from 5th/3rd. 

I have yet to receive an account/loan number for my new loan document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to  receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX  XXXX this account payment history is incorrect. The account reflect three 120 late 's XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update DEPT OF EDUCATION/XXXX  XXXX this account payment is incorrect. The account reflect three 120 late 's XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2022-12-21
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-04-06
Company: EQUIFAX, INC.
State: GA
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: Problem with product or service terms changing

Complaint:
Equifax was my monitoring service until I got frustrated with them for having the address information. They showed me living at an address I hadnt lived at in 4 years. Because of that I lost ability to secure a product that used Equifax. 

So, I dropped them. Once I dropped them and went to XXXX  -- Equifax dropped my credit from XXXX to XXXX. 

Changes to my credit has been positive noted by XXXX and XXXX. 

I paid of three accounts in full and reduce the balances on my accounts average 20-25 %. 

When I was with Equifax my credit scores were higher even with my credit cards much higher/maxed out and had 3 additional accounts with high balances. 

I do think that credit reporting agencies are unethical. In this case, note the significant decline in credit scores despite my credit improvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to submit a dispute with Experian over fraudulent information reporting on my file. I have submitted all documentation to have the fraudulent information blocked yet Experian keeps responding with a false response saying : 1. One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. 
2. Specific dates such as when the loss or theft of personal information occurred or when the fraud ( s ) occurred, How you discovered or learned of the theft, Any known information about the perpetrator, The names of creditors and account numbers involved in the theft ; Name and/or badge number of the law enforcement personnel who processed the report, The filing date and case number. 
3. It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. 

This is false as I will attach the exact documentation that I sent to Experian over 50 times. These accounts are fraud.

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 2022-11-29
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-21
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone tried to apply for a CC in my name for XXXX XXXX CARD CREDIT CARD. Hard inquiry was on XXXX Credit Report and XXXX soft inquiries were also on my report. I was sent a letter in mail about needing more information to open a report. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Ohio XXXX. I was told to call XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I contacted your company for advice on how to remove inquiries on my credit report. Your customer service rep advised me to send letters of credit removal to each inquiry, which I did costing over {$50.00} in certified letters to creditors with no resolution. Inquiries were for auto and rv loans made within 2 weeks of each inquiry. 4 inquiries for each loan application appear negatively on my credit report which should only appear for 2 each according to your terms and conditions. I am requesting for these additional inquiries to be removed according to your terms and conditions.

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 2023-03-20
Company: Experian Information Solutions 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:
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 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is reporting XXXX XXXX Bankruptcy on my consumer report and they have put in the data furnisher as XXXX XXXX XXXX Illinois which is false I have attached a letter from the The United States Bankruptcy Court Northern District of Illinois verifying and stating they do not furnish information over to the credit reporting agency or any credit monitoring services nor do they verify, validate any information concerning bankruptcy. TransUnion is falsely stating this information on my consumer report an they have yet to remove this from their file credit report. Attached below are exhibits A an Exhibit B my proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
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: Investigation took more than 30 days

Complaint:
I mailed letters via certified mail requesting that the company verify the alleged debt and show proof if the debt was verified that the account was legitimately mine. The tracking from the first set of letters show they were delivered on XX/XX/2020 and the follow up letters were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any verifiable proofs that the accounts are mine nor have I received any letters stating the investigations were even started nor completed. The accounts do not show to be in dispute status either. Per the FCRA, 30 days is the time limit the bureaus have to complete their investigations, I have been more than patient due to the global pandemic but over 200 days and no results is wearing that patience thin. Should this continue, legal actions will be my next step against the bureau.

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 2020-09-21
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This all originally started when I sent a payment from my bank account to the credit card company ( Barclays ). The payment was sent before the due date, the details are below this message. 

Long story short, they said they didn't receive the payment, and charged me a late fee of {$29.00} So then I proceeded to question them about it, and they reversed that fee, which I was grateful for. But, in the meantime I wanted to know what happened to the payment, so I called my XXXX XXXX XXXX and they said they could stop payment on it. So I did that. 

Well then Barclays charged me another fee called " return payment fee '' of {$29.00} XXXX but they never received the payment. So I kept asking them why am I being charged this fee when you ( Barclay ) never received it. They would give no clear answer and will not explain. 

I also told them I want the account closed, and they refuse to do so in a timely manner. Saying they keep the account open for viewing or some other reasons. I want to somehow protect myself or know what to do in this instance because I feel somehow they are going to keep charging me fees, and keep the account open - hence why I am contacting you, to have record of this. 

Thank you for any help and guidance you may have in this matter, would be greatly appreciated. 
XXXX XXXX Details of the original payment. I also attached a screenshot of the payment. 
Sent On XX/XX/2020 Delivered by : XX/XX/2020 Amount : {$64.00} Paid from : XXXX XXXX   Confirmation # : XXXX Type : Check Sent to : Card Services XXXX  XXXX XXXX, XXXX, PA 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 2022-12-21
Company: SYNCHRONY FINANCIAL
State: HI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am trying to withdraw funds ( {$15000.00} ) from my IRA Account with Syncrony Bank. I filled out the appropriate paperwork and Faxed it to them on XX/XX/XXXX and then also E-mailed it to them on XX/XX/XXXX. I still have not received the funds. 

I have called 10 times and spoken to a Customer Service Representative. One told me the money would be in my Account on XX/XX/XXXX and it was not. On another call a Representative told me it would be in the account on XX/XX/XXXX. It was not. 

Another employee told me they were totally understaffed in their IRA Department. 

Today I called and the Representative named XXXX said I should wait a week and if it hasn't gone through to submit another form. She said Syncrony has been trying to contact my bank XXXX XXXX XXXX XXXX XXXX to verify information but has been unable to. 

At this point I need the money to live on and to make purchases. I will now have to get a Credit Card advance to pay my bills which will cost me {$280.00} and if the money isn't in my account by the end of the year it will adversely affect my taxes. 

It is inappropriate to not be able to access one 's funds for nearly a month. I appreciate any help you can provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have my loans with Navient, I filled out the information for them to lower my payments based on low income. One was lower but then my over all payment is now higher! They are horrible to work with they will nowt work with me at all. My Payment was {$180.00} now it is {$190.00} after one of my loan was approved to be lower. It make no sense. I was one who was with XXXX but then was switch to these XXXX!

Company response to consumer: Closed with explanation