BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a copy of my transunion report that I received on XXXX/XXXX/XXXX that was generated on XXXX. Under Adverse Accounts, there are several student loans listed there that have negative and incorrect information that is reported on my Transunion credit report. I have disputed this information with Transunion previously to initiate an investigation to validate the information that is being reported. The student loans that are listed as adverse accounts are no longer serviced by the lender listed, and when I tried to contact the listed lender the number listed on the report is not valid. I 've mailed corresponse asking the lender to validate this information and received no response as of today with any validation about the listed information and why inaccurate negative information was still being reported. There is a double listing on my credit report with Transunion that contains the same inaccurate student loan information as well. I called the number listed on the credit report and I get a recording from a different company other than the name that is listed on the credit report. These accounts are currently listed as being in bankruptcy. In XXXX, I filed a chapter XXXX bankruptcy which was dismissed in XXXX. Prior to that, my student loans were never in default, they were always in a " in school deferment status ''. In XXXX, all of my student loans were consolidated and sent to XXXX who know services all of my student loans under a consolidation repayment plan. There are XXXX student loan accounts that are listed as Adverse Accounts and in chapter XXXX bankruptcy which is totally inaccurate. The whole point in the dispute is to have the negative information removed especially since the information is being reported inaccurately. My question is how did Transunion contact the lender to validate the information as accurate when they lender ( XXXX, XXXX, XXXX ) Have yet to respond to my letter request for validation of the information. Several of the accounts listed have the same account numbers and the same balance, which is also inaccurate. For Transunion to continue to list this information as negative and in bankruptcy status is totally inaccurate since I am not in bankruptcy, being that the Chapter XXXX bankruptcy petition that I filed in XXXX was dismissed in XXXX. Being that I disputed the information and Transunion clearly did not throughly investigate, I need help with getting this negative information removed especially since it 's totally inaccurate. By law, Transunion was supposed to delete the inaccurate negative information if it could not be validated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
To Whom it May Concern : I have recently been informed that there is negative information reported for bankruptcy the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing is invalid. 
I am unaware of the bankruptcy or " having a charge off '' ) with this company. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2016-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a {$500.00} collection on my Transunion credit report which I tried to dispute online but they would not allow the dispute. I do n't know if it was a technical error or they just have it set up so you ca n't dispute which means less work for them. I have tried to get a free copy of my report but they say I cant because I read it online and now they want XXXX per month to do what they are required to by law for no charge. Total ripoff and I 'm XXXX. This is not my account and it is destroying my credit and it is only on Transunion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Citi XXXX XXXX XXXX Credit Card on XX/XX/2022. I received a denial of credit letter from Citi stating why I was denied. As stated in the letter dated XX/XX/2022, their decision was based on information they received from a customer reporting agency. 

It is my comprehension of Regulation Z and Title 15 USC Sub-chapter 41 I thru VI, more specifically, Title 15 USC 1691a that any application that is denied for any reason is discrimination. I filled out the application in good faith as an applicant and an extender of credit.

I also comprehend this extension of credit in the form of a card which would be used primarily for consumer credit transactions for personal, family, and household purposes. It is also stated in 12 CFR 411 that all debt including all taxes, customs and pulbic debt is the obligation of the United States. 


Accordingly, 12 USC 1026.2 ( 15 ) ( i ) states any card is a credit card. During the process of filling out the application, I provided my Social Security number from my Social Security Card. If I provided this number, why was I denied? When I provide other card numbers, debt gets paid. Using this logic, I must have prepaid for this credit card when I provided my Social Security number. So, why was I denied?

I believe this information to be true and factual to the best of my knowledge and belief, however, and most importantly, because Congress says so.

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$6200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my 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 2016-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX, I defaulted on a credit card with XXXX XXXX. I was out of work and unable to make payments. The account was sold to XXXX XXXX and I was able to bring the account current. in XXXX and make payments, when I could. In XXXX XXXX, I was advised by a representative at XXXX that if I paid a settled amount, they would do a pay for deletion. They advised me that once payment was recieved, they would clear my credit bureau of the collections as well as contact the original creditor, XXXX XXXX, and have my credit history corrected. I made the payment and was advised that in 30 days, the update and deletion of my negative information would reflect on my credit bureau. As of today, it has not. I have made numerous calls to XXXX and everyone there states they will not be removing the negative information. They " apologized '' for the misinformation from the representative that advised me of this. I have also contacted XXXX XXXX and they have advised they were never advised of this practice that XXXX lied to me about. I have disputed with all XXXX bureaus and XXXX will not removed. I have also sent numerous letters to them and either I get no response or a letter stating that the information will not be updated. I feel as though XXXX lied to me in order for me to pay off a balance in full.

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 2015-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The below company was not authorized to run a XXXX credit check. XXXX & XXXX, PA XXXX ( XXXX ) XXXXMy report also has a " XXXX '' behind My name and I have already asked that be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-11-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act conversion XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction. 


In accordance with the fair credit reporting act conversion XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.

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 2015-11-18
Company: Premier Portfolio Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
About 3 times a week for the past several weeks I have been receiving calls from different numbers that all claim to be Premier Portfolio Group. I never answer the call and the voice message is always the same pre-recorded message saying that I need to call them back regarding a bad check that was cashed in my name. It is an obvious scam as none of my financial records indicate any such transaction. I called XXXX the numbers and spoke to a female. I demanded that they remove from phone number from their list and not to call me ever again. Not 30 minutes later I received a call ( always from a different number with a different area code ) and the message left was the exact same one I 've been receiving this entire time from " Premier Portfolio Group. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I had an XXXX card with Costco which I rarely used and had a XXXX balance. Costco then shared my confidential, private, credit and contact information without my consent and signed me up without my acceptance or agreement for a " Citi Anywhere Visa Card '' and then mailed me the card. I never activated the card and did not plan to accept the new account. I therefore did n't pay any attention to the mailings from Citi for several months as I did not activate the card nor did I use the card. After several months, I opened a mailing to find that it was a statement and that they had charged my Costco membership fee to the card as well as adding late fees and interest for not paying. We have contacted Costco and Citi several times to try to resolve this, including cancelling our Costco membership over the issue. The Costco membership fee has been refunded and the card closed. Citi has agreed multiple times over the last few months to remove the late fees and interest and XXXX out the balance. However, they have failed to do so and instead are still sending monthly statements, the latest being dated XX/XX/2016 with another {$37.00} late fee added and {$1.00} in interest for a new balance of {$100.00}, despite the original membership charge being refunded by Costco and Citi cards multiple assurances that they would remove the late fees and interest charges. I called again on Sunday, XX/XX/XXXX and the customer service specialist AGAIN agreed to remove the charges and XXXX out the balance. I just checked again today and the balance of {$100.00} remains on this account. I have very good credit and I now fear that I will be reported for late payment or unpaid balances to the credit bureau, negatively affecting my credit. For a card that I never agreed to get and charges that I never agreed to have charged to a credit card that I did not activate. Based on the fraudulent activity of Citi, Costco, violations of my privacy, and the ongoing lies of Citi employees, I have investigated online to find that I am one of many Costco customers dealing with this same issue. This leads me to believe that Citi has no intention of making this right without further action. Their behavior is despicable.

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 monetary relief
Consumer complaint received 2022-11-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A former friend ( XXXX XXXX ) was added to this account as an authorized user. She has broken my trust, and I am removing her as an authorized user on accounts. When I sent a message in the secure credit line asking her to be removed as an authorized user, Comenity Bank instead closed y account entirely. Comenity Bank has caused untold amounts of distress from its negligence. I've had this account for over a decade in good standing, and this may also be retribution for my reporting that they falsely reported a late payment in violation of the Fair Credit Reporting Act. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have called and sent multiple letters to this company regarding My daughter SSN and credit profile. She shouldnt have one she is XXXX  years of age. Her SSN keeps being used. I would like her report to be erased and blocked as this is not her. I have attached her school Id and ssn card. Her date of birth is XX/XX/2009

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 2017-03-03
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Ad Astra Recovery Services in XXXX Kansas.. I Called two times to settle the debt, continuously ask for a credit card payment right than without sending a confirmation letter of the amount the debt was settling for. I believe I do have a right to receive a letter confirming the amount and that the debt would be considered paid on my credit report. The last letter I received from them was XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of identity theft for over five years. I have filed multiple complaints and disputes with XXXX, XXXX, TransUnion and the Federal Trade Commission. On numerous occasions, XXXX, XXXX and TransUnion has blocked and/or froze my file, which hindered me from getting a copy of credit bureau reports and the deletion of erroneous information. My consumer credit rights, have been continually violated and disputes have been ignored. I have sent in countless copies of my drivers license and social security card, yet the erouneous information remains. 

I currently have the following listed on my reports : ( XXXX ) Collection accounts that were not opened by me ( XXXX ) Credit inquires that I did not authorize. 
( XXXX ) Addresses in multiple states that do not belong to me. 
( XXXX ) Social Security card numbers ( XXXX ) Date of births including years ( XXXX ) Employers, XXXX of which I have never worked for. 

I am requesting that my credit bureau reports be accurately adjusted to reflect the truth!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing a complaint against Transunion because they failed to provide me with the documentation they have on file to verify the inaccurate accounts I have disputed. Being that the 30 day period for them to verify and validate the accounts have expired it should be deleted by default. Under the FCRA Section 611 ( 5 ) ( A ) - anything that ca n't be verified should promptly be deleted.

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 2015-09-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
So I received a notice from CFPB that the XXXX agencies were working on my issue still and would not get an answer for up to 60 days from the XXXX agencies who would be checking into the my concerns with a collection company called XXXX Bank. Since my response and uploading documents proving I did dispute with the XXXX credit agencies of which the say they had no record of, I have recently received these additional XXXX response letters XXXX of which I think is somewhat of a retaliation to my original complaints regarding their incorrect reporting. You will see that in the body of the letters to the upper right hand side ( circled, arrow & stars XXXX, they are still unwilling to change the balance of debt to read " {$0.00} '' and keep reporting that I owe them all this money. There should be not indication of any balance due them or XXXX Bank anymore on any correspondence or public records since all the accounts I previously had with World Finance had already been discharged between XXXX & XXXX before XXXX XXXX sold their business accounts out to XXXX Bank. Comenity who is now working with XXXX are to still trying to collect on these funds from me and reporting this on all XXXX credit reports as of XXXX/XXXX/2015. I need for all the accounts under both XXXX and XXXX Bank to be totally erased from all XXXX credit reporting agencies ( XXXX Experian XXXX. I have attached below these letters I am referring to. I am sure there will be another letter on its way because there was a total of XXXX accounts with XXXX XXXX to include XXXX Jewelers not included.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief