BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
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: Information is missing that should be on the report

Complaint:
Transunion constantly deletes my accounts on my credit profile. Attached is a copy of a Transunion report dated XXXX showing all my accounts. Two days ago I applied for a credit card and was denied because Transunion had deleted all my accounts showing no credit accounts and I was denied a credit card. This is a problem with Transunion keep deleting my accounts from my credit profile. This is causing unnecessary pain and anguish. I want his to stop and never happen again.

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 2015-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I checked my Transunion report and it indicated that I had closed a secured credit card account with XXXX XXXX on XX/XX/XXXX. I have not applied for a secured card with them since XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX to inquire about when I had re-opened the account. The XXXX told me that no account had been opened and that she would send me a letter stating the account had been closed XX/XX/XXXX. Two weeks later I received the letter indicating that my account had been closed XX/XX/XXXX. Checked my credit report ; date account was closed changed from XX/XX/XXXX to XX/XX/XXXX. I called XXXX again and requested that they provide me with the original application after XX/XX/XXXX. XXXX informed there was no application and he would submit a dispute. I requested a dispute case number ; rep informed me there was none. Last week I received a letter XXXX indicating that my dispute had been denied. I called XXXX again and requested, once again, the original secureed credit card application. Rep informed me that there was no account opened and he did n't show any accounts closed after XX/XX/XXXX. Rep informed me he would mail out letter indicating account was closed XX/XX/XXXX. Rep stated he was unable to provide me with letter stating that no account was ever opened after XX/XX/XXXX. I requested a letter to submit to Transunion stating that XXXX system does not show any account closed on XX/XX/XXXX or XX/XX/XXXX ; Rep was not able to provide me with letter. Submitted dispute to Transunion XX/XX/XXXX after XXXX XXXX denied my dispute to remove supposed closed account on XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Contacted Transunion attempting to obtain free credit report. Never received free credit report, XXXX was charged 3 consecutive months. Never credited for one month of billing. Requested to unsubscribe. I was harassed with constant emails despite numerous request to unsubscribe.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: CA
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 to the fair credit reporting act XXXX XXXX  Account # XXXX that is reported twice violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report it is a fact, I the Consumer am aware, that XXXX XXXX as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). XXXX XXXX is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 

A financial institution such as XXXX XXXX in accordance with the definition under 15 U.S. Code 6827 ( 4 ) ( A ) and ( B ), must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a previous billing statement in accordance with 15 U.S. Code 1637a pursuant to 15 U.S. Code 1681 ( 7 ) ( B ) ( ii ). I, XXXX XXXX, did not receive such notice and thus XXXX XXXX is in violation of 1681s-2 ( 7 ) ( A ) ( i ) and the information associated with these accounts must be removed.

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 2022-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, I am filing this complaint through your office for assistance in regards with the inaccuracies on my credit file. I have mailed a dispute to credit bureaus but I was not able to receive a good response. 

KOHLS/CAPONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: MD
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 was alerted by my identify theft alert program, MyIDCare at XXXX, that a XXXX XXXX XXXX XXXX ( " XXXX '' ) loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in Oklahoma associated with the account. I have never done any business with XXXX I never authorized anyone to take out a loan in my name, and I have never been to Oklahoma. I contacted XXXX after receiving that notification, told them it was fraudulent, and was given a XXXX ID Fraud Reference Number of XXXX. The XXXX rep said they would mail me an affidavit to submit to XXXX to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called XXXX again about a month or two later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from XXXX that XXXX reported this account as delinquent and it negatively affected my credit score by 104 points. XXXX has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with XXXX and that it was fraudulent.

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 2022-12-29
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I HAVE NO AGREEMENT OR CONTRACT WITH COMPANY WHO I HAVE STATED ON MULTIPLE OCCASIONS THAT THIS NEEDS TO BE REMOVED IMMEDIATELY THIS DEBT CAN NOT BE VALIDATED BECAUSE THIS COMPANY HAS NOT PROVIDED THE ORIGINAL CONTRACT WITH MY ORIGINAL SIGNATURE NOR ANY KIND OF PAYMENTS THAT WAS MADE TO THIS ACCOUNT PLEASE PROVIDE OR DELETE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 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 2021-08-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent out multiple letters out on this company. And they still have not removed it off my report. The last reported days on on different days. And the day last active are all wrong. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing due to non-compliance with XXXX, XXXX XXXX Transunion. They have failed to remove information that was affiliated with personal details that were challenged most recently. They are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-08-23
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, there is supposed to be a notice of dispute on the consumer report and as you can see, there is nothing! For that reason this account needs to be deleted immediately and remedy must be awarded. Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX and {$400000.00} from XXXX and {$400000.00} from Equifax and {$400000.00} from XXXX XXXX XXXXXXXX for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: BUDGET CONTROL SERVICES, INC.
State: CO
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 company Budget Control Services continues to report a debt discharged in bankruptcy as open. When I called the company regarding this recently they said they knew it was discharged but that they would continue to report the debt on my credit report as a {$0.00} open delinquency. When I told them that this in violation of Federal bankruptcy law and the FCRA they said they knew and didnt care. I have so many communications from them where they admit to violating the laws the penalties are going be numerous. XXXX is at fault because they continue to let this debtor break the law. Debts discharged in bankruptcy should not be appear as active delinquencies with a current negative pay status on a credit report. Customer services behavior and refusal to remedy the issue even when given supporting evidence has been discriminatory. My husband who is XXXX also filed bankruptcy with me and all items were fixed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have contacted Experian, I have also provided them with a letter from the furnisher of the information and yet Experian fails to remove the erroneous information that is outside the reporting period as it has passed 7 years and the statue of limitations for this debt have also passed. Experian continue to report XXXX/ XXXX on my credit. While the lender who purchased it from the original creditor states there is a zero balance Experian continues to report the original creditor with comments purchased by another lender thus not verifying that the debt is not owed. Such information should have been deleted when I asked months ago. Experian is in violation of FDCPA and 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 explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: TN
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:
this is a resubmit with new information added so this is not treated as a dupIicate. they are saying they need more information on an account they are already reporting which makes no sense so i will attach A PAGE FROM MY CREDIT REPORT DIRECTLY. I have been dealing with a company reporting on my equifax credit report which has already been deleted last July for failure to validate however equifax has allowed them to continue to keep reporting even after deletion even doing so without proper notice per us code1681i I have asked on numerous occasions to mail me documents pertaining to this deletion for confirmation and for my records and I have not received such. And it has been over 60 days on when calling they force to sit on hold in hopes to get you to use the faulty online dispute system the company name in question is XXXX XXXX. XXXX  XXXX  is submitting invalid reporting Us code 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: NCC Business Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In  XXXX   XXXX  I gave verbal notice that I  would need to move to a smaller apartment, I was approved for a 1bedroom and I was living in a two be droom. In  XXXX  I gave written notice that I would be moving at the end of my current lease (  XXXX / XXXX / XXXX  ). On  XXXX   XXXX , I received a  24hr notice  on my door. I moved out, leaving the apartment clean and empty. Because the office was closed, I returned the keys in the mail drop, the office staff was in  XXXX   XXXX . I was having financial trouble and was behind on my rent. I was able to pay all but  XXXX  before I left. My deposits of  XXXX  were returned to account.   After I left I received a bill stating that I was still on a lease that had 8 months to go and that there were other charges as well including lawyer fees. I proved the lease was up and that I had notified them in writing properly before leaving. The 8 months were removed but the other fees remained. I have the lease and the customer accounting sheet showing payments and charges.   The original company was sold for bad management and all staff fired but the collection company refuses to correct it. I have been trying to get this removed since that time.

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 2018-05-31
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Have had this credit card for over 1 year, made all payments on time and usually above minimum due. Recently made XXXX dollar payment well above what was due just to catch up on balance. At this point had 600 plus dollars available credit on this account. Went to use card and was denied at gas station. Called TJ MAXX CREDIT CARD and was told that over night they decreased my credit limit and had no reason that they could come up with as to why this happened. Was completely blind sided by company I thought I was in good standing with.

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 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A vehicle lease reporting on my credit file was NEVER delinquent but this agency is reporting XXXX late payments for XXXX and XXXX for XXXX # XXXX. This account was never late and should not contain any derogatory lates. I have requested a reinvestigation to forward me any evidence/ proof and descriptions used to conduct an investigation and yet i have received nothing after each of my disputes and requests. I do not believe a proper investigation was done, these late payments never occurred and the furnishers would agree but they have informed me that no one from the reporting agency has verified anything with them. The other XXXX major reporting agencies are NOT reporting any lates on this account. SO how does this agency have this account reporting this way? this is not right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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:
tbom/contfin is reported on my Transunion, XXXX, XXXX XXXX. I have disputed multiple times without any change. pl\Please remove the incorrect item from all three bureaus. 

XXXX XXXX is listed on my Transunion and XXXX in error. I have also disputed with Transunion and XXXX with no results. Please remove these incorrect items.

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 2022-02-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation