BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I am submitting this XXXX 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 XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now

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 2015-05-29
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX would not itemize the charges they gave me after closing an account with them at XXXX XXXX XXXX XXXX Every month was paid. They charged for not returning equipment, but I never rented equipment from XXXX. It would be in the XXXX statement and subsequent statements since there is a monthly fee to rent their equipment as far as I know. 

I made many attempts to work this out with XXXX. Representatives said they would send me an itemized list of the charges, but they never did. It was later given to a collection agency, but I do not owe anything as far as I know. If the reason for the charges were given, I would understand what I am paying. But, if they were misinformed about the equipment, I believe these charges are misplaced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: EQUIFAX, 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 XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX BANK ACCT # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: ERC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called the number on my answering and gave the reference number, and it is not for my family. I informed this " XXXX XXXX '' at the number that I did n't know the person the debt belongs too. I also informed her that since this is a recorded line, that I have ask in the past 6 months for them to remove my phone number. Obviously, it has not been done, still.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
While reviewing my credit report I discovered GLA Collection has placed a derogatory item on it. They state I owe {$63.00}, however will not provide any proof showing my signature as mandated by law. I have sent them XXXX letters requesting proof and they can provide me what the law mandates. I plan on suing this company if they do not remove all derogatory information on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
This is a refile... had wrong bank first time Please help me. I have been trying to resolve a fraudulent transaction on my XXXX account by XXXX. 

My payroll check is deposited on the XXXX card. The day of payroll my account had a transaction of {$700.00} fraudulently. 

Date of transaction : XX/XX/XXXX Amount : {$700.00} Description : account ending XXXX Here is my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Card number : XXXX XXXX XXXX XXXX Made several calls to XXXX  to report the issue. They have extremely long hold times in excessive of 1 hour to get a representative and then honestly there is a language barrier. Their representatives seems to have trouble with english. 

I reported the dispute immediately to XXXX. They wrote me a letter denying the claim. They will only correspond on the matter via regular mail. I have written a letter back. 

I don't believe XXXX has the problem properly documented or failed to do a proper investigation. 

The money was fraudulently taken from me. And I have bills to pay like anyone else. The XXXX card is making it impossibly difficult to get my money back on this fraud. They carry a XXXX logo on the card and would expect a higher standard associated with XXXX. These cards are supposed to help protect you from transactions as such. 

I am reporting this matter to government officials in a hope someone can help me get my money back. Please help. 

I d prefer that XXXX card mail me a check for the amount to my address on file as I am no longer using their institution due to this matter. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2020, I received an email from a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX who I do not bank with. I am afraid my information couldve been stolen or exposed on a insecure server. She use to work for IBERIABANK I believe, and Im afraid my info may have been compromised when she left. Im concerned about fraud. There is no unsubscribe button on her emails. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting on my credit as debt as if I owe it. I have never used their services at all. I do not and have not ever used a Medicredit anything. Now this company is affecting my ability to obtain finances as a result of this fraudulent account that I have repeatly denied and advise them of this several times. The account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because Transunion has ignored my request to provide me with any documents that their company has on file that was used to verify the accounts I disputed. Since they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was XXXX XXXX XXXX XXXX when I received an email stating that my account was being transferred from XXXX XXXX to Navient. My interest rate went from 2.5 % to 7.4 %. When I called from XXXX to ask why they stated they now had control over the account and that was the new interest rate. I was horrified but unable to do much about it so to this day I still pay this enormous rate to pay off my XXXX Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/XXXX I voluntarily repossessed a vehicle XXXX. On XX/XX/XXXX, that showed on my credit as a charge off for {$8900.00}. XXXX contacted me on several occasions asking me to settle the account, I declined. In XX/XX/XXXX XXXX XXXX reported XXXX late payments XXXX, I was able to remove these from my credit report because I disputed the inaccurate information. On XXXX of this year XXXX XXXX again reported a late payment. Now, the account was closed in XXXX of last year. I spoke with the credit bureaus and they agreed that this act was in violation of the fair credit reporting act, however they refused to remove the false information. XXXX is attempting to prolong its time on my credit by reporting on a closed account knowing that it can stay on my credit for seven years after the last activity. I am working with a home loan program that looks only at the last two years of credit and therefore this account would not be a factor in determining my eligibility for a home with them if they are not allowed to falsely report activity. I am asking that the account be removed from credit in all XXXX bureaus because the company has proven to be irresponsible in reporting information. I have proof via prior credit reports that this account was closed and charged off XX/XX/XXXX. upload screen shots of said proof

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.

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 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts and I did not authorize these credit inquiries. Additionally, there are some addresses on my report that aren't mine or I have not lived there.

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 2020-03-19
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts and I did not authorize these credit inquiries. Additionally, there are some addresses on my report that aren't mine or I have not lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Rent Recovery Solutions
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rent recovery solutions llc been trying to collect the wrong/inaccurate amount & reporting the inaccurate original owners, which I disputed numerous times already. According to the original contract from the Original Owner is XXXXXXXX XXXX XXXXXXXX XXXX, Not ( The  XXXX ) the original contract never mention The XXXX anywhere. Also according to original contract under Description of Rent Elements the " 5 day notice fee says it {$35.00} not {$25.00}, which the " Ledger at Move Out " has 2 {$25.00} 5-day notice fees. Also according to the original contract say an NSF Check Fee is {$51.00} not {$35.00} which recorded on the ledger once. Them errors make the balance of {$6500.00} inaccurate which is a violation of the FCRA. According the original contract the lease term is from XX/XX/XXXX until XX/XX/XXXX but the Date of lease contract says XX/XX/XXXX. The account number showing inaccurate on XXXX & XXXX  the account number not starting with two ( 00 ) but on the Rent Recovery Solutions LLC Response the account number start with two Zeros ( 00 ). The ( date form is filled out, same as on top of page 1 ) has 2 different dates. PLEASE DELETE THIS ACCOUNT FROM MY XXXX  & XXXX, or you give me no choice to escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In XXXX, XXXX I submitted a FTC REPORT due to my credit file being impacted by the Equifax Data Breech. Disputes along with the FTC REPORT were mailed off to XXXX, Equifax, XXXX and as of Today XX/XX/XXXX. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XX/XX/XXXX : Account number : XXXX, This account was unauthorized. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XX/XX/XXXX XXXX BANK XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XXXX - XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.XX/XX/XXXX XXXX XX/XX/XXXX| XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX OF XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and updateXXXX XXXX XXXX XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a card with Capital One. I had this card for years and never missed a payment. Now they are reporting me late every month and dropping my scores. I contacted someone at Capital One and they stated that it is corrected and that it was a fee but that was waived as well. However I just got another 30 day late payment on my credit from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
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:
Hi I have leased a vehicle for the XXXX  XXXX  XXXX XXXX  XXXX   The idea behind leasing a car was to build my Friend credit and I was the co-signer on the lease As my friend credit was completely new After the purchase of the vehicle My credit started going down and after making 3 payments Nothing was reflecting on my friends credit so I decided to call XXXX XXXX to check on the loan whats happening as I dont see any progress after consulting with them XXXX said me that they have received incorrect information from the dealer as the dealer has given my details like name dob and address and phone but Social Security Number was of my friends and vice versa and they said if they even fix the issues they will not help my friend and anymore because we have already made 3 payment and nothing else can be done at this point and I  have to address this issue with the dealer As I went back to dealer letting him know about the concern that I have and the mistake that they have done firstly they denied saying that they have nothing to do with this and I have to resolve this issue by myself with credit bureau agencies As I said explained him that I have no point of contact for them if he can not provide me with the resolution they I have to take them to court for fabrication of the law and manipulation of the personal info Then on call he said me to come to the dealership and they fix the issue by buying the lease from the bank and removing me from the lease and reporting as car paid off on my account or they will get this car with no charges on my end and will get my friend a decent car and after I went to the dealership they made me wait for hour and and try to figure out if have done any mistake so they couldnt help me and after all that they said me if I want they to help me I have to come with more {$7000.00} to get the car lease cancel and buy the same car by putting 20 % more down payment towards the car and sale them the car at XXXX and buy the same car for XXXX and plus taxes and fees To correct the fabrication of the law that they have done to make a sale of the car. 

Please help me on this as I have been going through lot of mental stress and harassment due to as it is stopping me to Succed and make a leaving

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 2015-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My purse was stolen and I filed an identity theft. I see that my name is wrong and an address listed. I never lived at XXXX XXXX as reported on my credit report. I never misspell my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I do not have SSN because I 'm on XXXX not able to work, therefore, XXXX does not issue SSN to me. 
However, I 've built my credit for over 10 months now, only XXXX provided me my credit report and score, as I requested, with alternative ID and security questions, while I dont have ssn. 
But Transunion refused to provide me my annual report & credit score just because I 'm unable to provide a ssn which I dont have, and I cant obtain.

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 2020-03-19
Company: SYNCHRONY FINANCIAL
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a court summons today for a debt in an amount I do not feel that I owe. The summons is from Synchrony Bank/XXXX XXXX. Late this evening, I was quite shocked when someone came to my door unannounced to serve these papers -- especially considering the current Coronavirus pandemic we are experiencing. The amount the summons is stating is much more than I remember accruing. Also, no one had contacted me regarding this debt prior to the man arriving unannounced. I am asking for Synchrony Bank/XXXX to please validate this debt, starting with the original charge on the card. If unable to validate the debt, I respectfully ask them to remove this from my credit report and please dismiss the case in New Mexico court.

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