BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 formally reporting and requesting for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : 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 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
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 with the Fair Credit Reporting Act XXXX Account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 an 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 explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, 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:
Equifax sent me a report of my credit and then sent me a letter saying they can't find my credit report in there database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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 belongs to someone else

Complaint:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXXXXXX. Please remove this account immediately.

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 2023-06-08
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
We moved in XXXX of 2018. I forgot that I used my JC Penney card around this time and never received a bill for it. The total charge was {$54.00} if I remember correctly. They sent the bill to my old address and it wasn't forwarded to my new address like everything else. I never got the bill, so I never paid it and had no memory of the purchase since it was so minor and we were concentrating on moving. I paid for a credit monitor service a couple of years after that and discovered this bill that was WAY overdue. I contacted JC Penney and questioned why they didn't call or contact me in any other way ( email and phone number hadn't changed ). They claimed they didn't have this information. I paid it over the phone and closed my account. So, now my credit score is much lower than it should be. I ALWAYS pay off my bills and my family 's bills on time and it makes me sick that a bill that was less than {$60.00} could lower my credit score so much.

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 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
With Bank of America prepaid it's my EDD it's {$13000.00} I'll get a police reports victim of identity theft as well as three different police reports I've never received the card until last month and they keep in denying my claim it's over 3 years old I'm owed the money

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 2022-07-04
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
Company: American Financial Network Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I ran your credit and your median score is XXXX and when I priced out the mortgage based on the mortgage amount you closed, the $ XXXX appraised value, your debt to income ratio, etc. the FHA rate ( for a cash out refinance ) with no points would have been in the 3.375-3.50 % range. You closed at a rate of 3.625 % and were charged XXXX points = {$6900.00} plus a {$990.00} commitment fee and a {$890.00} processing fee. If I were you I would contact the loan originator and inquire about these fees, starting with the points where I do not believe you should have been charged these based on your credit score and loan to value ( amount of equity ). I looked up his name that is on the recorded mortgage document : XXXX XXXX XXXX XXXX XXXX XXXX ( NMLS # XXXX ) XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: SC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

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 2022-08-23
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 belongs to someone else

Complaint:
This is just troublesome! The Credit Bureaus have been ignowing my letters as well as theiur reposibility to comply with the FCRA section 605b! I have been sending multiple letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a vitim of identity theft and that the Items I am disputing were the results of such crime. By th provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$760.00}

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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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  XXXX 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 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Since XXXX I have struggling with fraud on my personal identity. We got someone in XXXX the file IRS fraud taxes under my and wife social security numbers. Police report was file back in XXXX for identity theft, A other police report was file back in XXXX do to identity theft again. In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of Washington Department of Licensing. That my personal information including SSN, ID, Address, email, full name, date of birth. XXXX exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report for identity theft I have file with the city of XXXX WA. Now this account is showing on my 3 credit reports agencies XXXX, TransUnion and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested to delete this account on my personal credit report do to Fraud and Identity Theft : to TransUnion, XXXX and XXXX to delete this account on all from my credit report and increase my XXXX XXXX to XXXX point how it was in XX/XX/XXXX. On Negative Collection and ChargeOff : ( XXXX ) XXXX XXXX XXXX # XXXX Date Opened : XXXX XX/XX/XXXX Balance : $ {$51000.00} ( XXXX ) XXXX XXXX XXXX # XXXX? Date Opened : XX/XX/XXXX Balance : {$440.00} ( XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING 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 2022-09-24
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have been making my regular payments since I first received the loan. Most of the payment goes to interest and only about {$5.00} goes to the principal. And somehow the payoff amount is more than the original loan. The interest is way over the legal limit for California.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below 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
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is seven hard inquiries on my credit report. I have send in certified letters for removal over 45 days ago XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 2023-01-09
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Good Morning, My name is XXXX XXXX and I purchased a vehicle from XXXX XXXX in XXXX Georgia XX/XX/XXXX. I was charged {$15000.00} down payment and financed the remaining balance of {$10000.00} through Ally Financial. I Got behind on payments vehicle was repossessed XX/XX/XXXX. XXXX being told to that the dealership I purchased vehicle from bought it from Ally Financial XX/XX/XXXX. In the amount of {$14000.00} which is more than what I owed. Ally Financial refused to pay me the overage amount. Also telling me thats on the dealership. Dealership also refuses to pay. Highly frustrated to get screwed around like this and neither party is willing to pay whats owed!

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XXXX  I filed a dispute letter to XXXX, XXXX, and Trans Union requesting the removal of all inaccurate information being reported on my report such as metro 2 formatted compliance. Upon no receipt of verification of the inaccurate information I sent another letter on XX/XX/ requesting the demonstration of truthfulness certified with the lawful process and mandatory Metro 2 compliant reporting. On XXXX I sent another letter requesting the immediate removal of the inaccurate information due to failure to verify within the time prescribed pursuant to 15 U.S.C 1681 again to no avail. I sent another letter on XX/XX/ showing that the inaccurate information was the result of identity theft along with Police Reports and the bureaus were selective in removing some items and allowing others to remain. I called the bureaus on XX/XX/ at XXXX XXXX XXXX and they assured me the remaining inaccurate information would be removed and still has failed to do so. Can you please assist me in compelling the bureaus to comply with the rules set forth in FCRA 1681. Any assistance or advise will be greatly appreciated, Thank you for your time and anticipated cooperation in this critical matter

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 2022-07-29
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received a call from XXXX XXXX ( their address is XXXX XXXX XXXX XXXX XXXXXXXX and their phone number is XXXX ) on XX/XX/XXXX. XXXX XXXX is a collection agency that claims that Navient has given them my account for collections services due to non payment. I contacted Navient at the number I have been contacting them for the last 7 years ( XXXX is Navient 's phone number ). That department of Navient informed me that my account was not transferred and that they received my most recent July payment and that I have future payments scheduled through XX/XX/XXXX. 

I called XXXX XXXX back and informed them that Navient states my account was never transferred to them. The representative from XXXX XXXX gives me another Navient Phone number and tells me to call that new Navient Number ( XXXX ) When I contacted the new Navient number ( XXXX ), this Navient Representative tells me that loans have been transferred to XXXX XXXX but can not explain why the other Navient department could not explain why the other department did not see this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: IL
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:
THIS COMPLAINT SUNMITTEF BY XXXX XXXX PERSONALLY IVE BEEN EXPERIENCING A GLASS CEILING WITH MY CREDIT SCORE FOR YEARS SINCE MY XXXX  XXXX. I HAVE RE-ESTABLISHED NEW CREDIT IN ADDITION TO MANY GOOD ( PAID ) OLDER ACCOUNTS THREW HARD WORK & LONG HOURS. HERE ARE PRIME EXAMPLES WHY : XXXX. XXXX ( XXXX ) BAL IS XXXX WITH A XXXX AVAILABLE CREDIT XXXX. XXXX ( XXXX ) IS OPEN NOT CLOSED. HAS NEVER BEEN CLOSED! IT HAS A XXXX CREDIT LIMIT WITH XXXX XXXX XXXX. XXXX ( XXXX ) HAD XXXX AVAILABLE CREDIT ALSO WITH XXXX BAL. XXXX SHOWING SAME ACCOUNT XXXX. XXXX XXXX & XXXX CLOSED. ACCOUNT IS OPEN. IT TOO WAS NEVER CLOSED ALIKE XXXX! 

IN CONCLUSION : IT APPEARS MY SCORING FACTORS SUCH AS CREDIT USAGE, DEBT TO INCOME RATION & AVAILABLE CREDIT IS BEING DERAILED BY MY ACCOUNTS, BALANCES & PAYMENT HISTORY KEEP ARBITRARY COMING UP CLOSED WHEN I PAY THEM DOWN!

Company response to consumer: Closed with explanation