BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: BARCLAYS BANK DELAWARE
State: CA
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, BARCLAYS BANK DELAWARE and on XX/XX/2019, XXXX XXXX add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I was reviewing my credit today and an inquiry for XXXX appeared on my report. I don't know who this is and I have been actively cleaning up my credit so I have not made any inquiries in over 3 years.

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 2017-06-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two loans with Navient. My student loans have always been handled as two separate loans by every previous loan servicer. Navient claims that if I send a written letter with my payment they will credit the loans according to my instructions. I have done that each month since Navient took over my loan, and Navient refuses to follow my instructions and always credits the payments incorrectly. The problem is they are slowing down the repayment of my loans by doing this, and ultimately causing me to pay more interest because they do not want me to be able to accelerate the payments on one particular loan in order to pay it off earlier. They are liars. They promise me each month they will follow my written instructions which I send by Certified Mail, but they never do that. I even send two separate checks, but they ignore the checks and credit the payments as they please. This process takes me hours on the phone each month to get it corrected, and each month they try to cheat me again. They are in violation of the terms set forth in my promissory notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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: Investigation took more than 30 days

Complaint:
Two separate dispute letters for reinvestigation was sent on the same day for the following items : Collection : XXXX XXXX XXXX and Employer Information : XXXX XXXX. 

The letter requesting the validity of alleged debt for collection item XXXX XXXX XXXX XXXX XXXX and request to remove the previous employer XXXX XXXX was XX/XX/XXXX XXXX On XX/XX/XXXX, I received a letter from Transunion stating it does not appear that I am the authorized party requesting a dispute and my request for investigation will be processed. I sent another letter on XX/XX/XXXX with proof of identity requesting to investigate inaccurately of the employer and validate the accuracy of the collection with XXXX XXXX XXXX. The request was received XX/XX/XXXX with Transunion. Now it is XX/XX/XXXX, and I have not received any contact from the company regarding my dispute. Transunion has a duty to be fair and equitable to me as the consumer. Also provide fairness and accurate credit reporting as an elaborate mechanism. 
Transunion has failed to follow federal law and I have lost confidence that Transunion is assuming a vital role in assembling and evaluating me the consumer 's credit and other information in my consumer credit file. 

As a federally protected consumer, I have the right to privacy, and the information that being disclose from Transunion is in my opinion reporting inaccurate data. 
The following laws according to FCRA ( Fair Credit Reporting Act ) has been violated : 611- Procedure in Case of Disputed Accuracy " 15 USC 1681i ( c ) 605- Responsibilities of furnishers of information to consumer " 15 USC 1681-2 ( b ) ( 1 ) Federal law requires that written request to investigation what the consumer believes to inaccurate should be promptly conducted within 30 days. Once the investigation has been completed and the consumer challenges the decision. The company has 15 days to complete. 

The allotted timeframe has passed and Transunion has failed to follow the law. 
This information listed above is a serious violation of the FCRA ( Fair Credit Reporting Act ). 

Documents enclosed The original letter of reinvestigation for both items Proof of receipt for XX/XX/XXXX & XX/XX/XXXX Proof I no longer work for the inaccurate employer listed on my consumer credit file Letter received from Transunion denying the request to investigate and assuming I am not whom I say I am. 
Copy of Letter -Second request to investigate

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 2017-06-26
Company: Experian Information Solutions Inc.
State: FL
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  XXXX , I 've been under treatment for years and someone has taken advantage of my situation and stole my identity. All of the  XXXX   XXXX  charge offs,  XXXX  charge offs, and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . charges on my report were charged without my knowledge.

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 2017-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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  XXXX , I 've been under treatment for years and someone has taken advantage of my situation and stole my identity. All of the  XXXX   XXXX  charge offs,  XXXX  charge offs, and   XXXX   XXXX    XXXX   XXXX . charges on my report were charged without my knowledge.

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 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Online, I was able to get a glimpse of my TransUnion credit report. The personal information is outdated and false. I tried to login to TransUnion to dispute it, and was unable to login, repeatedly. Eventually, I was told that I must create a new account since I haven't been logging in regularly to TransUnion. ( I have a life, so why would I want to be logging into regularly to TransUnion? ) I tried to create a new account. I was immediately told NO, that username is taken. ( That's my username. ) I then tried to use my email address as my username. Again, I was told NO, that username is taken. It is my username and my email address, but I am not allowed to use it. Then, in frustration and desperation, I created a brand new username, and I was told NO, we can not process your request, you must call this phone number. When I call, I am given a long speech by their voice message system saying to get online, and then the call disconnects. 

My complaint is that TransUnion has got their entire software system and human resources department configured to push me out, upset my life, and waste my precious time.

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 2022-09-05
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:
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.

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( aX5 ) 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. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage XX/XX/XXXX XXXX Cards XXXX XX/XX/XXXX XXXX Cards XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DATA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2017-06-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Several credit reporting agencies are not able to monitor/ access my Equifax credit reports and score. The agencies attempt have been made and unsuccessful were XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX. I have contacted Equifax via phone and letters. I received a response back on XXXX/XXXX/2017 indicating my credit file with Equifax could not be located ; however I have made several calls to Equifax and verified all information during game calls and no explanation could be given why credit was not updating nor reporting. I received a letter on XXXX XXXX, 2017 stating my name and email and address are reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
Vechile was repossession in XX/XX/XXXX and vechile was redeemed back XX/XX/XXXX. I paid all necessary fees and charges to redeem vechile back and has never been late since XX/XX/XXXX. Now my credit report is stating that I 've been late the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX of XXXX and the months of XXXX, XXXX XXXX XXXX OF XXXX & for XXXX and XXXX of XXXX it 's reporting UNKNOWN which means no payments was n't a made for those two months when I have all records from banks statements that 's all 11 months was paid on time before the XXXX of each month. These months are incorrect because all payments have been paid on time since XX/XX/XXXX. Once they update my report with repossession redeem then all my payment history after XX/XX/XXXX started reporting late payments.. I should have all good reporting history from XX/XX/XXXX till XX/XX/XXXX which is current. If this issues is n't corrected I will be filing a compliant with the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
VIOLATION OF 15 U.S.C.  1681s-2(A) & 15 U.S.C.  1681b-2

AFTER REPEATED ATTEMPS TO REACH XXXX XXXX AT THE ADDRESS LISTED ON MY CONSUMER REPORT TO DISPUTE A INQUIRY THAT I HAVE NO KNOWLEDGE OF, AND HAVE NOT GIVEN XXXX  OR XXXX XXXX XXXX  ANY CONSENT OR PERMISSION TO ACCESS MY CONSUMER FILE. THIS IS A VIOLATION OF 15 U.S.C.  1681b-2

I ALSO MADE MULTIPLE DISPUTE WITH TRANSUNION AND IT YEILDED NO RESULTS AFTER SHOWING THEM DOCUMENTS OF INACCURATE INFORMATION THEY AERE LISTING ON MY CONSUMER REPORT ABOUT THE FURNISHER THAT IS FALSE

UPON MAILING MY DISPUTE TO THE ADDRESS LISTED ON MY CONSUMER REPORT MY DISPUTE WAS RETURNED BY THE U. S. POSTAL SERVICE DUE TO THE FACT THE COMPANY DOES NOT DO BUSINESS AT THE ADDRESS LISTED ON MY CONSUMER REPORT.

ATTACHED IN THIS FILING YOU WILL SEE THE ADDRESS LISTED ON MY CONSUMER REPORT AND WELL AS THE RETURN TO SENDER FROM THE U S POSTAL SERVICE SAYING THIS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS NOT IN USE BY 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 2017-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
there are fraudulent student loans reporting in my credit report  XXXX    XXXX   XXXX   XXXX    acct  XXXX  the item masquerading as a account reported on my credit report on approximate ly 2 wee ks ago and i never had these fraudulent loans on my trannsunion report i have all of my transunion reports and i have never had a   XXXX   XXXX   XXXX    posted to my transunion not to mention they are posted from a fraudulent address  XXXX    XXXX   XXXX    XXXX  ga this address does not exist. i have been a victim of identity theft and transunion gas my valid police report and identity theft affidavit along with a ftc report. By law and fcra and fact act they have to remove unverified and fraudulent items i am prepares to seek litigation if they do not remove these fraudulent items at once not too mention i am prepared to put transunion in commerce and bill them  XXXX  dollars a day for having items masquerading as accounts

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 2017-06-25
Company: Experian Information Solutions Inc.
State: OH
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:
In   XX/XX/XXXX  I filed a complaint with  XXXX  and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please del ete inaccurate.    2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :   XXXX    6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}

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 2022-09-05
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: EQUIFAX, INC.
State: OH
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:
In  XX/XX/XXXX  I filed a complaint with Equifax and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate.
2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :  XXXX  6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In  XX/XX/XXXX  I filed a complaint with  XXXX  and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate.
2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :  XXXX  6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}

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 2017-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX contacted XXXX regarding incorrect reporting of XXXX XXXX incorrectly reporting Acct # XXXX. Account was discharged in Bankruptcy XXXX XXXX. However the account keeps returning on my Credit file. After 3 attempts to correct the error you are my last hope. The last response from my dispute is as follows : We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone : ( 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 2017-06-25
Company: U.S. BANCORP
State: WI
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:
Dear Elan Financial, I just discovered even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify their accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.

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