BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-29
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 contacted TransUnion in XXXX and XXXX regarding XXXX XXXX. I advised TransUnion that I have never obtained credit with XXXX XXXX. I asked TransUnion to send documentation showing me entering into a contract with XXXX XXXX. I also advised TransUnion that they are reporting XXXX XXXX as open, with an open date of XX/XX/XXXX. And they are also reporting a date of last activity of XX/XX/XXXX. I asked TransUnion how can they list this account with an opened date of XX/XX/XXXX and a last activity date of XX/XX/XXXX with no payment history? If opened in XX/XX/XXXX and last activity of XX/XX/XXXX then there has to be a record of payment, past due or late payment. Twice I asked TransUnion, the last response I received was with Trans Union changing all the dates to benefit Trans Union not reporting inaccurate information. Trans Union can not just change dates on my credit file to benefit them when they are reporting something in accurate. I have not received any documentation from Trans Union to support this change or even that this is my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/20. 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 2017-09-04
Company: Experian Information Solutions Inc.
State: MN
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 a victim of identity theft. This 's my 3rd complaint. I have 2 police reports on file with the XXXX Police Department and XXXX XXXX Police Department and have sent 2 police reports with the case numbers listed to XXXX XXXX, XXXX and Experian in regards to the following fraudulent and unauthorized collection/charge off account and hard inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX-Branch, XX/XX/XXXX. The collection accounts and hard inquiries are all fraudulent and do n't belong to me. I have never had an account with 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 2017-04-25
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I 'm constantly hit with late fees on my Toys  R us Store card.  The latest being  XXXX . In  XXXX  I was hit with a {$35.00} late fee so I signed up for automatic draft from my bank. The site told me to continue making payments until I receive notice that it went through. So  XXXX  I ma de 2 payments 1 using  an outside banking app and the second on the company website. I used the same saved bank info that I used for the recurring payments so nothing was changed. The payments went through with no problems. In  XXXX  I made a payment on the outside app. So in  XXXX  the recurring draft went through and the money was removed from my account. Now I 'm told my payment did n't go through and I 'm charged a {$35.00} late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2017-09-04
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Fedloan performed a processing error ( regarding submission of my income for determining payment amount ) in XX/XX/XXXXand I have been working to get it resolved since that time. After numerous calls to Fedloan without resolution of the issue, I submitted a complaint to the CFPB on XX/XX/XXXX. I received a response from FedLoan on XX/XX/XXXX which acknowledged their error and reported a reversal of the interest capitalization would be reflected on my account within 60 days. Now 87 days have passed ( including 60 business days ) and there has been no reversal of the interest capitalization on my account. I called Fedloan and they are unable to tell me when the interest capitalization will be reversed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I applied for XXXX credit card with XXXX XXXX on XXXX XXXX, XXXX. The bank ended up submitting XXXX credit inquiries on my Transunion credit report. The dates of the hard inquiries were as follows : 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 explanation
Consumer complaint received 2022-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted Transunion several times over the course of the last 4 months, via phone and online to have 4 erroneous public records removed from my credit file. I disputed this information with Transunion as well as XXXX and XXXX. The other 2 credit reporting agencies removed the unverified public records and Transunion has not. I have also requested Transunion to supply written proof of the so-called debt/public records and they have not provided the information requested. Since they have refused to verify the information and the information has not been verified through the State, it is unfair to me. A debt should be validated from the state that filed the lien not a PUBLIC RECORD VENDOR! No other credit bureau will report it because it has not been verified by the state! A public record vendor can not be the one verifying this debt- its against my rights to have someone/vendor verify a debt that is being reported against me, especially when they do not and can not supply any proof or documentation that indeed this debt is mine.

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 2022-07-18
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
REVIEWED MY CREDIT TODAY XX/XX/XXXX NOTED THAT SOMEONE APPARENTLY OPENED AN ACCOUNT FOR {$1000.00} ON XX/XX/XXXX. I DID NOT OPEN THIS ACCOUNT AND AM WONDERING HOW SOMONE CAN OPEN AN ACCOUNT UNDER MY NAME WIHOUT MY KNOWLEDGE. I HAVE BEEN RECIEVING LETTERS FROM VARIOUS BUSINESSES AND BANKS SEEKING VERIFICATION FROM ME, AS THER HAS BEEN INSTANCES WHERE FRAUDELENT ACTIVITY HAVE BEEN NOTED ON MY ACCOUNT, IN ADDITION ME AND MY HUSBAND JUST EXPERIENCED FRUAD IN OUR BANK ACCOUNTS AT XXXX THIS PAST WEEK. 
I THOUGH I WAS PROTECTED WHEN I OPENEND AN XXXX ACCOUNT AND LOCKED MY ACCOUNT .I AM VERY DISTURBED THAT THIS COMPANY ALLOWED A LOAN UNDER MY NAME. AS RESULT MY CREDIT SCORE, WHICH WAS ALMOST 800 IS NOW IN THE 600.

PLEASE HELP RESOLVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am on XXXX and have been for 3 years all medical bills are covered under XXXX county in Colorado XXXX department of health care and financing XXXX XXXX there are 2 issues on my credit record that I 'm disputing. I also have records showing I 'm on XXXX. I also never received any bill and if I had I would of handled it immediately again because I 'm on 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 2022-07-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another COMPLAINT to block the unknown items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to block any items not later than 4 business days after the XX/XX/XXXX letter. Ive already included this report in my previous complaint XXXX, XXXX, and XXXX & I am including it again. Also, the information you provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please block the items listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NV XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX - ; XXXX XXXX XXXX Balance - ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance ; XXXXXXXX XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance - ; XXXX XXXX Balance {$2100.00} ;

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 non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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 am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00}

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 2022-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I wanted to file against Portfolio Recovery Association, LLC that they called me often time without left the message on my telephone, XXXX. 

I do not know if there's a rule for them " must leave the message '' if I am not available on the telephone? 

Also, Portfolio Recovery Association is violated to use my debt collection of CareCredit ( for medical expenses ) under XXXX Bank for my privacy XXXX  rights. Also, I am complaint against them because they submitted the summon document with the county courthouse without reasonable due my XXXX privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Experian Information Solutions Inc.
State: IN
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:
From XX/XX/XXXX to XX/XX/XXXX there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. I have attached 2 examples where these hard inquires have not be accurately verified and validated.

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 2022-07-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 actively disputed with Transunion monthly both online and verbally about inquiries reporting on my credit report without my consent inaccurately for the past 7 months. Many of the inquiries were added to my report when my credit profile should have been locked. I have made many attempts about my credit profile accurately reporting the truth and also advised any inquiries on my profile that I have no account should be removed due to identity theft. My credit filed had duplicated inquiries and when it was brought to their attention they removed the duplicates refusing to remove the other inquiries.

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 2022-07-18
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 have been sending multiple written requests addressed to the Credit Bureaus for them to conduct an investigation and have the disputed items removed from my Credit File and the last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information. But despite all my efforts to attempt the removal of the fraudulent information from my Credit Report, the Credit Bureaus did not paid attention to my disputes. The Credit Bureaus had clearly violated the FCRA section 605b which states that the Credit Bureaus are required to remove any accounts and information that the Consumer considers as items resulting from an Identity Theft. I an disappointed to see that the Credit Bureaus are not only ignoring my letters but also violated a Federal law. Though it tempts me to pursue legal actions and sue the Credit Bureaus for the actual damages done, I will be giving the Credit Bureaus one more chance to correct my Credit Report by removing the following disputed items : 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

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