BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05
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:
I have tried to get my old information removed to it being over the time limit to stay on my report. This is the only thing from holding me up on getting a home loan. I have tried on several occasions to have it removed with no success. The account Number is 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 2016-09-29
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I owe a balance with XXXX. Due to some financial issues I was not able to make my monthly payments. They had contacted me and I had explained the situation to them. After that they had contacted my place of employment and I involved them that I can not take personal calls at my job. After that I spoke with them again and I told them I could make a payment but not until I got paid. They told me that they needed a payment sooner than I could pay them then stated that if I didnt set something up they would preceed to garnish my paycheck. They then called my job once again at this time I had changed locations and they called my new location and once again I told them I cant take personal phone calls. I had spoken with someone who stated that my file had a status not to contact me and that I would have to contact them. Needless to say a few days later they contacted me again. I understand that I owe a debt and I am willling to work with them to pay it off but I would like the phone calls to seize. They stated my account is in legal status I said I could make a payment but they said it wouldnt be enough. I think that some type of payment is better than no payment at all.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: ID Analytics, Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
I requested my annual credit report from SageStream via their own website and uploaded my valid New York State driver 's license that has all of my current information on it as instructed. Instead of my credit report, I received a letter from SageStream dated XX/XX/2020 advising that my valid New York State driver 's license with my current information was not acceptable as SageStream was unable to verify my identity. This same letter requests that I forward my valid New York State driver 's license with my current information. I am filing this complaint because I have already submitted all required information and documentation and want a copy of my credit report to ensure there isn't fraudulent activity occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within TransUnion credit file. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2016-10-13
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am requesting that a forensic audit be done regarding this account. This company has over charged me and inflated expenses. They also sold the vehicle without sending me a 15 to 30 day notice of the sale. This company is a predatory lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602A states I have the right to privacy.

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

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 2022-04-15
Company: Experian Information Solutions Inc.
State: MD
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 the past with XXXX XXXX XXXX it has been near impossible to get them to report our first three payments ( XXXX, XXXX, XX/XX/2021 ) to the credit bureaus. We have complained about this from day one, with them being determined to not update the credit reporting to correctly show that we have made those first three payments. This has been an long going problem that when applying for Refinancing wee were being told that those first three missed payments make our loan appear as an Forbearance or Loan Mod is associated with our loan, and it makes sense because of their insistence to not correct the problem. 

So this time we're sending the complaint to the three credit bureaus and have attached our last year Mortgage Interest Statement, that will show just as the Payment History statements from them were used previously to show that we have made those three payments. 

I am this time sending the Mortgage Interest Statement to all three credit bureaus to verify that the payments were made and are hoping that the credit bureaus will make this update to prevent our mortgage credit reporting can no longer appear as an predatory rigged account. 

XXXX XXXX XXXX has made changes to our credit reporting that is not only inaccurate, but in some cases it is contrary to the actual loan documents themselves. We have been disputing this from day one and since they refuse to correct obvious errors and what appears as predatory additions, we are now asking the credit bureaus to do the right thing.

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 2015-07-21
Company: STERLING JEWELERS, INC.
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
Kay Jewelers is set to come off my credit reports in XXXX 2016. However, Florida Statute XXXX indicates that it should not be reported more than 5 years after the final payment which led to the charge-off. Therefore, it is beyond statute of limitation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: General Motors Financial Company, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/XXXX : Attend a physician Due to a billing inconsistency {$250.00} Correct that issue on multiple occasions with both the supplier and insurer.

Believe corrected. 
XX/XX/XXXX get multiple credit alerts, credit scored has dropped from XXXX to XXXX with a collection against my credit reporting. 
XX/XX/XXXX online protest to XXXX  dispute file # XXXX XX/XX/XXXX online protest to XXXX   dispute # XXXX Equifax unable to contact online or by phone. 
XX/XX/XXXX Original biller issues another letter stating {$0.00} balance. 
Unable to go online to XXXX  or XXXX  to add letter to dispute. Unable to contact by phone. 
Still unable to get anyone at Equifax. 

How can the credit agencies have zero control measures to ensure collections reported are correct and then provide zero opportunity for the consumer to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Some of my accounts were paid in full, I never closed them. Wrong address and my name is incorrect. Bankruptcy information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Experian Information Solutions Inc.
State: VA
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:
XX/XX/XXXX : Attend a physician Due to a billing inconsistency {$250.00} Correct that issue on multiple occasions with both the supplier and insurer.

Believe corrected. 
XX/XX/XXXX get multiple credit alerts, credit scored has dropped from XXXX to XXXX with a collection against my credit reporting. 
XX/XX/XXXX online protest to XXXX  dispute file # XXXX XX/XX/XXXX online protest to Experian dispute # XXXX XXXX  unable to contact online or by phone. 
XX/XX/XXXX Original biller issues another letter stating {$0.00} balance. 
Unable to go online to XXXX  or Experian to add letter to dispute. Unable to contact by phone. 
Still unable to get anyone at XXXX. 

How can the credit agencies have zero control measures to ensure collections reported are correct and then provide zero opportunity for the consumer to correct.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: SC
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've contacted Experian, regarding a Fraudulent account on my credit report, it's from XXXX XXXX, account number # XXXX. I've filled several dispute with Experian, and explained to them that, this account was not my account, but they refused to remove it off my credit report, it show that the account was opened up on XX/XX/2012.

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 2015-12-11
Company: Consumer Financial Services
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Daughter of involved in an accident vehicle was a total loss. I did not have gap insurance and my daughter who was hit outside her vehicle has back has fractures and dental work. I can not pay at this time I have told them numbers told and we both receive calls daily I have spoken to them and explain paying the gap is not my prioity. Accident occured in XXXX and they call all XXXX people on contact list. On XXXX XXXX my parents home XXXX sister and my brother in law all answered there call and so its harrassment at this poiny. I have not moved my by hers have not changed and the call references at least once a month for the last XXXX. Just be a use I tired of repeating myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
On my Care Credit account I had some promotional purchases with deferred interest for 6 months, which would have 26.99 % interest if not paid off by the end of the promotional period. I also had some purchases with fixed payment reduced APR until paid off. According to my XX/XX/XXXX statement, I had XXXX promotional purchases totaling {$650.00} and XXXX reduced XX/XX/XXXX balances totaling {$1500.00}. I then paid {$1000.00} prior to the XXXX XXXX due date, expecting that this would completely pay off my promotional balances and also make a dent in my reduced APR balance. When I received my XX/XX/XXXX statement, I found that only {$15.00} of my {$1000.00} payment had been allocated to the higher-interest promotional balances, and the rest had been applied the lower-interest balances. I contacted Synchrony Bank by phone and a representative said he was fixing it so the payment would be applied to the promotional balances. He had no explanation for why my payment had been allocated improperly in the first place, other than that this was the way the computer processed it. He had no explanation for why the computer had been programmed to process it this way, or whether this has happened before, or how many other people it has happened to. I request that this be looked into to find out if Synchrony Bank is routinely engaging in this kind of practice to keep customers from paying off promotional balances in time so they can collect the high interest on those balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
It has been more than 30 days since my initial dispute and since I've submitted my identity theft report to Transunion Consumer Reporting Agency. Transunion has failed to adhere to the Fair Credit Reporting Act by reporting fraudulent related accounts due to identity theft to my credit file. In addition Transunion was was notified via mail and internet with an identity theft report which included two fraudulent accounts XXXX XXXX  XXXX and XXXX XXXX  XXXX. Transunion also was notified of several fraudulent related inquiries XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. This fraudulent accounts and inquiries currently are reporting on my credit file which is unacceptable an in violation since Transunion has received all necessary documentation on my be half and has failed to provided 100 % accurate verification as per the Fair Credit Reporting Act. It is obvious my identity has been compromised and these accounts are having significant negative impact including denial of credit.

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 2022-09-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I Have had my credit file for a long time now as I already have 9 open credit cards available to me I havent verified my personal credit in a while, on XXXX, XXXX 2022 I decided to apply for Buissness credit card for my company surprisingly I was denied upon verification of my credit score and credit report I realized unusual inquiries from these credit institutions named above I will be placing a credit freeze and credit monitoring service with the 3 credit bureaus I belive that my information was compromised upon application for a vehicule loan.

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 2022-04-15
Company: EQUIFAX, INC.
State: LA
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:
The credit bureaus never did a proper investigation According to the FRCA. The term investigate consumer report means a consumer report or portion there off in which information on a consumers character, general reputation, personal characteristics, or mold of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported or with others with Whom he is acquaintance or who may have knowledge concerning any such items of information. They did not do this. Also, they have violated my rights even more, in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. The credit bureau stayed in my account was properly investigated but how is that possible if the open date is in accurate, The date last active is an accurate, and the date last report it is not accurate. This is ground for removal. They also valid through loud because according to 15 U.S.C 1681. section 602 A. States I have the right to privacy. 15 U.S.C.section 604 A section 2 : it also states a Customer support a Education a Furniture a Couch without my reading instructions. I did not give anyone written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 They keep saying the properly verified but have not!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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: Their investigation did not fix an error on your report

Complaint:
Please review my attachments, this is not a 3rd party. 

XXXX XXXX XXXX is reporting inaccurate information and in violation of several laws under the FCRA.

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