BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Sent dispute letters via certified mail on XX/XX/2022 to Transunion disputing items on my credit report that are not mine. Transunion received & signed for the certified documents on " XX/XX/2XXXX XXXX XXXX. '' All proof is provided in the uploaded documents. 

Per my letters, " If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file as of this date that you used to verify the accuracy of the accounts listed above. Unverifiable accounts must be removed. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days from the date above this letter, then you must remove these accounts from my credit report immediately. '' Transunion response, " this account is verified, '' while failing to provide requested legal verifiable documentation is an immediate violation of my consumer rights under FCRA 15 U.S.C. 1681i.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 no knowledge of this account, XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Experian about the following negative accounts DEPT OF ED / XXXX ( Account number XXXX, Opened XXXX XXXX, XXXX, Balance {$2500.00} ), DEPT OF ED / XXXX ( Account number XXXX, Opened XXXX XXXX, XXXX, Balance {$5100.00} ), XXXX XXXX  ( Account number XXXX, Opened XXXX. XXXX, XXXX, Balance {$1900.00}, Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Account number XXXX, Opened XXXX. XXXX, XXXX, Balance {$1100.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Account Number : XXXX, Opened XX/XX/XXXX, XXXX XXXX  {$500.00} ), XXXX  ( Account Number : XXXX, Opened XXXX. XXXX, XXXX, Balance {$0.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$390.00} ), XXXX XXXX XXXX  Account number XXXX, Date opened XX/XX/XXXX, Balance {$390.00} ), XXXX XXXX  ( Account number XXXX, Date opened XX/XX/XXXX, Original balance {$1900.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-12-04
Company: Experian Information Solutions Inc.
State: MI
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. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the 15 U.S.C 1681. 

XXXX account number as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Received a notice of a decrease in credit score from Transunion, from XXXX to XXXX. On checking the site, the score did not show a decrease. Called the number listed in the email notice. Spoke with support staff who explained that the discrepancy was the result of a technical glitch; said that I would receive a letter by mail confirming this ; that it was not possible to send me confirmation of the content of the phone call. 

I have not received the promised letter. There is no phone number on the site to speak with anyone ; the online options under dispute do not pertain to the problem ; and the chatbot seems not to recognize the issue or to be able to connect me with a human being. 

I've received emails saying that the dispute has been resolved. It has not. Two requested corrections were made, but the main problem ( the credit score number ) was not resolved.

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 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX claim that I owe a mortgage amount of {$120000.00} within my credit report. XXXX XXXX is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which XXXX XXXX reported back in XX/XX/XXXX within my XXXX credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX XXXX correct documents when XXXX XXXX reported it CLOSED/CO. XXXX XXXX started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. XXXX XXXX is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.

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 2023-06-01
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 filed a dispute claim with Trans Union regarding a chargeoff that was placed on my credit report by XXXX XXXX XXXX. It had been deleted in XX/XX/XXXX because XXXX XXXX XXXX did not respond in the time allowed but was added back to my credit report in XX/XX/XXXX. The claim made by XXXX XXXX XXXX is bogus because the money that they claim that I owe them was already paid to them. I included proof of payment in my dispute with Trans Union but they went ahead and sided with XXXX XXXX XXXX and left the charge off on my report stating it was varified accurate just because they were told by XXXX XXXX that it was they did not ask for any written proof to prove my claim was inaccurate.Nor did they submit my proof to XXXX XXXX to prove otherwise. Trans Union stated to me that they are just a middle man service and suggested that I contact CFPB for further assistance with my dispute. So I am sending you all of my documentaion to support my claim.Along with the information involving this issue. 
In XXXX of XXXX I contacted the customer service deptment from XXXX XXXX XXXX, and notified them that I was closing my account with them and no longer wished to do business with them due to the fact that in my opinion they are only in business to steal your money and after reading the houndreds of complaints filed with the XXXX many other people share my opinion as well. Merchant XXXX is a credit card reading service that I obtained because I was opening a business where I would be needing such a service but due to covid -19 I was not able to start it but XXXX XXXX continued to charge me month after month for doing absolutley nothing! When I finalley realized that they had been taking money from my bank account I contacted them and terminated my account as I stated earlier in XXXX of XXXX. In XXXX of XXXX I recieved a letter from them stating that I had to notify them in writing in order to close my account which was never told to me in XXXX. So they continued to charge me fees for XXXX, XXXX, XXXX and XXXX of XXXX and they also were charging me a fee for a card reader that was offered to me free of charge as a promo bonus gift for signing up with them. The fees were paid as you can see in my bank statements and the card reader fee is ridiculaus because that was given to me for signing up with them in total XXXX XXXX XXXX,. recieved over XXXX in fees that they took from my bank account for doing absolutley nothing as far as providing a service for me including the money they say I owe them in the charge off they reported to Trans union.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received your reinvestigation results and found that you are still reporting inaccurate and unfair information. Your company stated that the information was verified.

Pursuant to 15 USC 1681 ( a ) ( b ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ).

It is your grave responsibility to report accurate and fair information. 


Please provide me with your method of verification. Under me requesting your method of verification, I want to know who you spoke to. I want to know if this information was factual. I want to know who you interviewed and who you got it from. You did not interview my neighbors, friends, or associates. If you did, I want their exact name and address and I want a detailed description of what happened. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Ive been denied credit because of what youre reporting. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof as requested, you must DELETE the account listed below. By law, you have 15 days to respond. 

ACCOUNT : Creditors Name : XXXX XXXX XXXX Account Number : XXXX Please delete Creditors Name : XXXX Account Number : XXXX Please delete Creditors Name : XXXX Formerly XXXX Account Number : XXXX Please delete Creditors Name : XXXX Formerly XXXX Account Number : XXXX Please delete

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 2023-06-27
Company: Mercedes Benz Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/22 I spoke with a salesman by the name of XXXX XXXX we discussed a car I seen On the internet. I let XXXX know I was interested and that I was a out of state customer, I let him know that the Mercedes dealer ship in my home town was asking of a down payment of XXXX and I wasnt paying a large amount. XXXX ran my credit did all the numbers and credit pull and call me back and let me know that I was tier XXXX with Mercedes Finiancal if I give XXXX down payment I can lease the car for as little as XXXX  monthly I agreed and a link was sent to my phone to sign all contracts and documents. XXXX and I set discuss a time to get car ship. Fast forward to XX/XX/22 I still wasnt able to get plates or registration to even drive the car I reach out to XXXX who was dodging me and never was available, I than spoke with multiple people and finally I was in contact with a lady by the name of XXXX XXXX she went in and re wrote my contract push me to tier XXXX in up my credit monthly payment from XXXX  monthly to XXXX I believe ( I have supporting documents ) imagine this is almost a month later Im sure my credit have change at time she did this Im asking for this contract to be cancel return my deposit this is for sure fraud and against the law. Im seeking out legal help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX the Accounts below, have 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 XXXXXXXX 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 Late Payment XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXXXXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX Late Payment XXXX  XXXX XXXX Late Payment XXXX XXXX  XXXX Late Payment XXXXXXXX XXXX Late Payment

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 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/23 I received an alert from multiple credit monitoring services I have informing me a credit pull was requested by capital one bank on behalf of a credit application completed. I never applied for a credit card recently with capital one bank. The entry on my credit reports say its for bass pro credit card. I have not applied for any card with that store or with capital one in the last year. I reached out to capital one and they informed me they cant find the application tied to me info but to report it to ftc and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On my XXXX credit report on ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 


On my XXXX credit report on ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 

On my TransUnion credit report on ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 provided documentation to XXXX XXXX XXXX and to the three credit bureaus regarding the inaccurate information contained on my credit file. I have disputed the credit information numerous times as well as calling XXXX XXXX XXXX several times- all to no avail. Even with documentation showing the information listed on my credit report is incorrect, the information remains uncorrected. 

Again, Im disputing the following inaccurate information listed on my credit report. Below are the facts and documentation to support why my credit file should be corrected. 
XXXX XXXX XXXX I. Explanation. 
XX/XX/XXXX, I filed XXXX XXXX bankruptcy, case # XXXX. 
The plan was confirmed on XX/XX/XXXX. 
I completed the case on XX/XX/XXXX. 
All checks distributed by the trustee cleared the bank See Attached Documentation. 
XXXX XXXX XXXX was approved and was classified as a Secured creditor. They claimed {$22000.00}, which was allowed, and they also received {$2400.00} in interest payments. The total amount paid to XXXX XXXX XXXX was {$24000.00}. See Attached Documentation. 
I completed all required payments to XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX separately mailed two letters. The first letter stated that there were no liens or encumbrances on the vehicle, and I was able to obtain my car title from the Ohio BMV. See Attached Documentation. 
I obtained a clear title from the Ohio BMV on XX/XX/XXXX. Title Attached On my credit report, XXXX XXXX XXXX list that the original balance on the car was {$22000.00} and as of XX/XX/XXXX, the company charged off {$960.00} and written off {$5800.00} past due. 
This information is not accurate based on the courts documentation. 
According to the XXXX XXXX Standing Trustees Final Report and Account, I paid {$22000.00} and {$2400.00} in interest for a total of {$24000.00}. See Attached Documentation As of XX/XX/XXXX, XXXX XXXX XXXX now states I owe {$6000.00}! 

II. Update/correct/remove Information. 
I request that the current information contained on my credit file be updated/removed/corrected based on the documentation that I have included. 
My credit record should reflect that I paid a total of {$24000.00} through the XXXX XXXX Bankruptcy Court plan. 
III. Copy of the Portion of my Credit Report in Question Copy of the XXXX XXXX XXXX page from my credit report. 
The XXXX XXXX Standing Trustees Final Report and Account ; what XXXX XXXX XXXX claimed and was paid.

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 2022-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I am buying a car for cash from my local dealership. I had left a message with the finance manager that I was paying cash, but what were the terms available if I wanted to finance it. Never spoke to anyone there I had just left a message on the recorder. Next day I had a hard inquiry on my credit report. Ive emailed twice and left a message at the dealership and nobody has called me back.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Pursuant to XXXX XXXX CODE 15 US 1681, Which states that Credit Reporting Agencies needs to have my written permission to report this account on my behalf. THEY DO NOT OR DID NOT REACH OUT TO ME FOR PERMISSION. Please Delete. " Verified '' means that they conducted an investigation and spoke to family and friends which they DID NOT. Please Delete. 

Account - XXXX XXXX reporting in Transunion Credit Bureau and XXXX Credit Bureau. Please Delete.

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