BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX ( XXXX ) Account # 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 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number. 15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt. -any state territory possession of the United States , the district of Columbia , the Commonwealth of Puerto Rico or any political subdivision of any of the foregoing. 15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader. 


Creditor updated account with XXXX as Collections. Creditor advised they would send request to credit bureaus to have item removed from credit report but flagged account as Collection.

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 2022-09-08
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX XXXX contacted Credit Control Service in regards to a balance of {$100.00} reporting on my credit report. I do not even know if this collection is a valid collection. The only reason that I paid the collection is because I am in the process of purchasing a home and this one account is causing me to not be able to close on my home loan. When I called I told the representative that I was in the process of purchasing a home and needed to have this account deleted from my credit and that I was willing to pay it even though I was not certain that this was a valid debt. The representative told me that the account would be paid in full and that it would be deleted from my credit. When I did not receive the email or document stating that the account would be deleted, I called back in to Credit Control Service and the representative then stated that He was unable to provide me a letter of deletion and that they were not agreeing to delete the account from my credit report. They only sent me a paid in full letter, which is not what I needed. And again I am not even certain that this collection was a valid collection that I owed but I paid it because I am in the process of purchasing a home. This has now delayed my closing on this home and I may even lose the home since I have not been able to get this off of my credit. I am going to lose {$3000.00} in earnest money and {$690.00} in appraisal and {$400.00} in inspection fees due to Credit Control Services giving false information after taking my payment for an account that may not even be a valid collection account on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Clarity Services
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 


XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX To all parties concerning : After making a attempt to correspond with Congress Collection regarding a supposed debt owed. I am writing this letter to bring this matter to the attention of Consumer Financial Protection Bureau. This alleged debt was brought to my awareness upon viewing my credit report in late XXXX, XXXX. I hadn't received any correspondence from Congress Collection regarding this matter beforehand. On XX/XX/XXXX a letter was sent from me to Congress Collection via certified mail, exercising my right under The Fair Credit Reporting Act, Section 609. I requested that the company provide me ( in 15 days ) with information about the item reported that would validate this alleged debt. It is now approaching almost 90 days since attempting to make contact and I have yet to receive a response or proof that this item is owed. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: GA
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 had my wallet stolen and filed a police report because I started seeing items on my credit report that did not belong to me. I have contacted the credit bureaus with letters but with and no real resolutions. I am listing below the fraudulent accounts. 


Account Name : XXXX XXXX Date:XX/XX/XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX DateXXXXXX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX Date:XX/XX/XXXX Amount : XXXX {$75000.00} Account Name : XXXX XXXX XXXX XXXX   Date:XX/XX/XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX XXXX Date:06/01/2018 Amount : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I test drove a truck and while I was gone XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ran many credit checks without my knowledge to many creditors. XXXX has corrected this error but TransUnion and possible other credit bureaus have not as of this date corrected the inaccurate information. Upon returning with the truck the salesperson pressured us with a guarantee of a loan and at this time we did not realize our credit had been checked by so many creditors already. The points against our credit has hurt us several times. Those include - all for the date of 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 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. I would like to clear this up with all credit bureaus even though I understand this should fall off in XX/XX/XXXX I have been fighting this for almost a year. I appreciate all help you can render. Have a wonderful day. XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX

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 2017-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I would like to remove the BK off my CB that has past its time frame of limtation.

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 2022-09-08
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was involved in a romance scam. As soon as I found out that I was being scammed, I went to my bank, closed my checking account, went to the police department, filed a report with them, came home and began calling credit bureaus to put a freeze, other accounts to close them down, etc. this all started the last week of XX/XX/2022. I ended up getting everything taken care of due to the fraud except for a Barclays Personal loan for {$15000.00}. It is now at {$15000.00}. I even had a barclays credit card that was written off as fraud. As of last week, I was told that I had to pay the personal loan because I had given this person my personal information. I DID NOT give this person permission to take out all of the money. Barclays told me that they couldnt do anything for me. That i was responsible. I contacted XXXX and spoke to a credit counselor. I was advised to contact you. Please help me. I feel that this is unfair! I was a victim of 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 explanation
Consumer complaint received 2020-02-27
Company: TD BANK US HOLDING COMPANY
State: NY
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:
This Nordstrom credit card when never opened by me and needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX I sent $ XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, to my friend XXXX XXXX XXXX ( I have done this many times but not so much as this time ). When she went to bank to get money they refused to give it to her. Saying there was a scam. Money gram says transaction was completed. When I called moneygram they said nothing about a scam. I have filed claim with money gram. They are investigating which may take 90 days. The bank has the money this is fraud. Maybe you can contact moneygram to get money paid to my friend. She is in the XXXX XXXX in XXXX. 
money gram transaction number XXXX a little push from you now may moneygram to contact the bank get release of money I would appreciate your help now, Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been requesting a copy of the verification from " Transunion Credit Bureau '' for the Chapter XXXX Bankruptcy Discharge ( Docket # XXXX ). I contacted the US Bankruptcy court and was informed that they don not deal with credit reporting agencies. That they have there own sources to place inquiries on my consumer report. I have place Security Freeze back in XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX, so I am not understanding how Transunion was able to verified. So on Letter Date XX/XX/XXXX, I had a Freeze on third consumer filed. I demand that this public record for Chapter XXXX Bankruptcy # XXXX be removed from my file due to lack of verification and inaccurate reporting of verification was date XX/XX/XXXX. I have requested three time that Transunion provide proof of verification as of today, I have not receive the documentation shown proof of verification. 
I request and demand that this public record Bankruptcy ( XXXX ) be removed/ permanently deleted due to lack of verification and inaccurate reporting of verification date. Because third party consumer DO NOT disclose information on accounts with a security freeze placed on them. Please assist me with the above 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 2020-03-31
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried twice to obtain my free credit report from Transunion because i was denied credit and they have denied me access to my report or credit score online. I went to XXXX and i was able to obtain both my XXXX and XXXX reports so that i may begin disputing the inaccuracies on my file and they have denied me over and over again and i have been unable to speak to anyone on the phone or via mail. May i please get a copy of my report already, this is getting so strange I keep answering all of my security questions correctly and they continue to ask for more time or more verification. I do not understand why they are stalling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
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 Report act. the list of accounts below has violated my federally protected consumer rights to privacy under 15 USC 1681 XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$6900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2 : it also 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 consumer to any consumer reporting agency if the privacy and confidentiality under 15 USC 1681.

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 2015-05-26
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Chase is attempting to collect a debt that I allegedly owe to XXXX XXXX. I do not owe this debt and both XXXX and Chase are committing fraud in trying repeatedly to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, 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 status incorrect

Complaint:
I have filed a previous complaint against Equifax and the creditor for defamation. i provided both agencies with pertinent information to validate my claim and my wish of having this erroneous and negative information from my credit report. I am in the process of buying a house and can not move forward without resolving this issue. 
I have attached the credit reports that highlights the inaccuracies for your review. Also, if you are not able to complete the investigation with results, I am wondering what the purpose of the CFPB? Why file a complaint if nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've submitted multiple disputes to Transunion in regards to collection accounts that XXXX XXXX XXXX and XXXX XXXX XXXX have inserted into my credit report as credit tradelines. I provided documentation to Transunion on different occasions and each time the accounts come back verified. I supplied Transunion a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX XXXX and XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as a Debt buyer and my original creditors which they are not. I have no other option but to file a complaint with the CFPB and the South Carolina Attorney General office. 

These accounts are reporting with payment history whereas there is no provision under the collections segment of a consumer credit file for debt collectors to report payment history profile dates and items. 

These accounts are reporting payment terms as well. Again information that should not be reported by a collection agency. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). This reporting is frivolous and inaccurate.

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