BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX has me at a score around XXXX. 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 2022-06-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax lost all of my credit history, and they refused to make effort to resume it. This issue has brought great trouble to my life, especially that I am in the process of buying a house and I am not able to get my loan approved due to lack of credit history in Equifax. 

Below is the whole storyline : on XX/XX/2022, my load agent told me he was not able to pull my credit report from Equifax. Because XX/XX/XXXX is XXXX day, I contacted Equifax on XX/XX/XXXX. Over the phone, their customer representative told me that my credit profile was not established in Equifax, which was very surprising to me because the other two credit bureau ( XXXX and XXXX ) had my profile without any issue. 

In order to resolve the issue, later on the same day ( XX/XX/XXXX ), under the guidance of the representative, I faxed the required documents ( my ssn, driver license and a ) to Equifax at fax number XXXX. 

Then today ( XX/XX/2022 ), I called them again to ask about whether the issue has been fixed. Unfortunately, the customer representative named XXXX told me that they were not to find any of my credit history. He asked me whether the credit card companies were reporting under the correct information. I told him that the other two credit bureau had been receiving my credit records correctly so I did not think there was anything wrong at the bank side. Then he told me there was nothing they could do, even if it was obviously their fault to lose my record. He also refused to make any further investigation into the case. 

Attached is the fax receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I reported fraud charges to Bank of America and initially the funds were credited back to my account but then they reversed the charges and left my account in the negative. They also closed my account without discussing it with me. I have explained to Bank of America what happened with my debit cards being stolen and someone charging thingsw to my account without my consent. They advertise ZERO fraud liability but they definitely made me liable for these charges. I no longer have access to the account and can not access direct deposits being sent to the account. I can't stop the direct deposit because it's coming from the IRS. I would like the fraud claims to be handled, the negative balance to be removed and money placed back in my account, and I would like to be able to access the account to receive my direct deposit.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: PA
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:
This is now the FORTH and FINAL time I will be contacting you to remove the UNAUTHORIZED inquiries issue ( XXXX ) which follow : XXXX with Date of Inquiry of XX/XX/2021 XXXX with Date of XXXX of XX/XX/2021 XXXX with Date of Inquiry of XX/XX/2021 XXXX with Date of Inquiry of XX/XX/2021 XXXX XXXX XXXX with Date of Inquiry of XX/XX/2021 XXXX XXXX with Date of Inquiry of XX/XX/2021 XXXX XXXX with Date of Inquiry of XX/XX/2021 XXXX XXXX with Date of Inquiry of XX/XX/2021 My first few requests were simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have already provided ample proof and documentation of my efforts to communicate with the furnisher ( XXXX ) and their failure to provide ANY documentation of permissible purpose or authorization from me. 

These inquiries must now be deleted. Send me an updated credit report showing the removal.

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 2022-12-01
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
The early part of XX/XX/XXXX, I established Direct Deposit with this Prepaid Account for both my XXXX XXXX and Social Security XXXX payments. I have been receiving payments every first of the month from the XXXX XXXX and every second Wednesday of the month from Social Security for over ten years without fail and without any issues until today ( XX/XX/XXXX ). I foresaw that there could be a challenge with receiving my Direct Deposits when there was absolutely no communications through this Prepaid Account regarding receipt of electronic direct deposits of my XXXX payments, so I reached out to Netspend by both phone and internal contact support to address this. I was assured that there would be no issues in the safe process of my funds when the time came. I already accepted that this Prepaid Account did not have to honor their promise of " 2-days early Direct Deposit '' which should have been on ( XX/XX/XXXX ) because, even if it would have been nice to receive the money early, it was not required of this Prepaid Account to honor it, which they did not honor. Yet, calling to see why they have not released my money on my actual payday which is ( XX/XX/XXXX ), today, there is no excuse of reason for me not receiving my money on my payday.

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 2022-08-22
Company: SYNCHRONY FINANCIAL
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:
I recently looked at my credit report with ( XXXX ) and I noticed some late payments posted on my credit report. 

Unfortunately, your agency is in a clear violation of the law. 

Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 



Account Name : XXXX XXXXXXXX Account Number # XXXX Account Name : Old Navy Account Number # XXXX Account Name : XXXX Account Number : 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 2022-06-30
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
The following company has violated my rights in accordance with FCRA and has failed to do a proper investigation of this debt. This company continues to report the inaccurate Item called XXXX XXXX XXXX. Upon researching my credit report I noticed a number of Inaccuracy and inconsistencies. For example... 

Example 1 ) Payment status being reported to XXXX as collection/charge off and being reported to equifax as 120 days late. 

Example 2 ) last report date shows XX/XX/XXXX for XXXX and for equifax shows XX/XX/XXXX. 

example 3 ) date last active is also incorrect showing XX/XX/XXXX for XXXX and XX/XX/XXXX for equifax. 

Example 4 ) date of last payment not showing on XXXX but shows XX/XX/XXXX for equifax. 

Example 5 ) the two year payment history has some inconsistencies as show XXXX debt is charged off but is being reported to equifax as ok. 

Example 6 ) How come XXXX report this account as closed but you are still report this as an open account and if an account is closed how can it be in collections still. 

15 U.S.C 1681e section B States whenever a consumer reporting agency prepares a consumer report it shall follow maximum possible accuracy of information concerning the information concerning the individual about whom the report relates. As you can see there are so many inaccuracies and being reported causing detrimental harm to my character. 

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 states a consumer reporting agency can not furnish a account without my written instruction. I did not give consent for you to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello, I have repeatedly left voicemails with the dispute litigation and complaint team being promised numerous times on a recorded line i would get a call within 3 days. I call every week, have over 120 hours on my phone records of outbound calls and XXXX returned calls. 
This is a PERFECT example of WILLFUL & INTENTIONAL fcra violations which adds punitive damages ontop of actual, statutory, and legal. 

The several issues im trying to get fixed are : 1 ) They have blocked me from obtaining my report from ALL possible ways. Online, over the phone and mail, also even on third party websites like annualcreditreport.com and various other sites. This is a clear violation under the fcra which they are by law required to provide and intentionally refusing.

2 ) They are refusing to add a credit freeze, again a law provided by the fcra.

3 ) They have refused to remove 2 inquiries from identify theft after numerous certified mail disputes, disputes on recorded calls and through email.

4 ) Transunion has engaged in consumer fraud, unjust enrichment, false advertising with giving me free 1 year subscriptions that repeatedly fail and bill me illegally. 


ONLY ONE DEPT is allowed to speak to me, and they only have a voicemail and for 6 months, over 317 calls, since XX/XX/XXXX to XX/XX/XXXX, they have WILLFULLY AND INTENTIONALLY IGNORED AND REFUSED TO CALL. I emailed their general counsel, and several of their internal attorneys, all who have ignored this and acted in bad faith, violating their ethics to the bar by intentionally preventing me from having any access or control of my reports.

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 2022-09-21
Company: EQUIFAX, INC.
State: CO
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 Equifax is reporting inquiries I never authorized : XXXX XXXX, XXXX XXXX, and EQUIFAX MORTGAGE SER ( XXXX ), and 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 2023-08-15
Company: Experian Information Solutions Inc.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$45.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned 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

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 2022-07-28
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: Old information reappears or never goes away

Complaint:
I have been reporting inaccurate information and fraudulent information/date on my credit report and provided proof many times to Experian to remove or update my credit report. The information is removed and days later it gets put back on my report. I have reported inaccuracies many times but the inaccurate information reappears on my report.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-06-30
Company: Experian Information Solutions Inc.
State: NV
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:
My mortgage loan account credit reporting is reporting the mortgage account as " An Account With Adverse Information ''. My understanding is that this is inconsistent with the CARES Act. I have recently modified my VA mortgage after Covid-deferment and mortgage modification. I have fulfilled my obligations every step of the way. I have made the last four principal & interest payments early. This is not showing on my credit reports even though I have uploaded proof. My understanding is that the VA is behind on their paperwork and they owe my mortgage company a check for {$9800.00}. Well & good, but it isn't appropriate for there to be negative information on my credit report on that basis. Put the negative information on the VA 's credit report, by gum. Please see my uploaded and / or XXXX Posted documentation which I have long since provided to the credit reporting bureaux. I am in process of restructuring my insolvent finances, so this incorrect credit reporting, which dropped my scores by about XXXX points, could literally have life & death effects on me. So please do hurry to do that which will restore my credit reports. Thank you, yours sincerely, 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