BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
All three credit bureaus are in violation of 15 US CODE 1681 N Transunion placed XXXX unauthorized credit inquiries on my credit report. 
XXXX placed XXXX unauthorized credit inquires on my credit report. 
XXXX placed XXXX unauthorized credit inquiries on my credit report. 

Affidavits of truth were mailed on XX/XX/2023, pending response.

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 2023-01-12
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3100.00} ), XXXX ( XXXX XX/XX/XXXX, Credit limit {$3100.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX, Credit limit {$2500.00} ), XXXX XXXX  ( Opened XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$2500.00} ). Its been over 45 days and TransUnion 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute complaint through XXXX, XXXX and Equifax Credit Bureaus about information being report on my file, and what the Credit Bureaus keep sending back over and over is that they verified the information and XXXX XXXX verified the account is mine. I am not disputing that the account is mine, what I am disputing is the balance that XXXX XXXX XXXX keeps reporting as being mine, it is not mine, and they are reporting it as being delinquent which has and still is affecting my credit score tremendously. I did not sign a contract with them for a credit card, the card that was sent to me by them did not have an Annual Fee, 2 months after I paid my account in full XX/XX/2022 they sent me an email saying that my account was delinquent, when I called them to find out, what that was all about, they kept transferring me around from one Customer Service Representative after another and no one could tell me why I owed a fee. I have sent Statements of this account showing the account paid in full since XX/XX/2022 to all 3 Credit Bureaus. XXXX XXXX XXXX  sent me a credit card through the mail that I did not apply for, I used the card and I paid the balance in full, there was no Annual Fee for this card. I asked them to send me a copy of a contract that I signed agreeing to pay an Annual Fee and they have not because there is not one. This is what I am disputing, the balance not that the account was mine. I have also asked them to close the account and they are refusing to do so and keep charging that account monthly and reporting it as being delinquent, I have explained this to the Bureaus and they continue reporting it on my Credit. I have worked really hard to build my credit, I have not had any late payments and because of this situation with XXXX XXXX XXXX  my credit score has gone from the XXXX 's to the XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not want to have this erroneous information in my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: MOHELA
State: IN
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:
I completed forms for the XXXX & XXXX certification and application were submitted for time periods that I worked full time at the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX, XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were submitted on XX/XX/2022 and XX/XX/2022. However Mohela did not count these time periods as part of my qualifying payments under 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 2023-01-11
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They have called my husband repeatedly and have left voicemails letting him know of this debt and given out my personal information to him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried several times for Loan Modification sending the documents several times. 
Wells Fargo did not consider my loan modification process and as a result I have to foreclose my Home

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 2023-10-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX : XXXX hours spent entering information to dispute XXXX credit card accounts on my credit report. Name corrections/deletions also submitted. After online submission, a pop-up stated that online disputation was temporarily XXXX, suggested calling an agent. 

Called the suggested number : agents in XXXX, passed from XXXX to another, XXXX not so good ; scripted responses ; not to over-tax the last agent, I supplied info re : only XXXX disputes ; tried to correct name issues ; i was presented with questions for verification in order to do so ; I failed on a question regarding current/previous ZIP codes, all of which started with XXXX. I never lived in a an area with a ZIP code other than those that start with XXXX. I answered " none '' to the XXXX ZIP codes starting with XXXX ; the agent said I failed and therefore could not make name corrections. 

XXXX, like the other XXXX credit bureaus, are much more interested in selling their identity products than they are with actually helping consumers with credit issues. All three should be investigated and managed appropriately by the CFPB. Their mission is to help consumers, not sell products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 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 item 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 response to consumer: In progress
Consumer complaint received 2023-01-11
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute a charge of {$680.00} to my credit report on XX/XX/2019. The Charge is in error because it should be paid by the Fault party involved in the car accident. 

I won the lawsuit on the car accident case with my attorney XXXX XXXX XXXX. All the damages and medical bills caused in the incident should go directly to the Fault party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have purchased some furniture from The Value city furniture store. 
The total amount of the furniture was around XXXX XXXX dollars. I was going to use my XXXX XXXX XXXX XXXX to pay for the balance. However the sales person forced me with XXXX interest trike to open a new account with value city which is through synchrony bank. 
When I opened this account the only thing that the sales person told me that it was XXXX interest that is all. 
So I start making payment every month XXXX or XXXX whatever money that can left extra towards the balance. 
Within one year I paid off almost half of the balance.

So one day i opened the account and I saw the balance went back to XXXX XXXX dollars. I didnt know what happened. I called my wife to see if she made any purchases but she said she never did any purchases. I thought someone fraudly using my card. So I called the customer service and I explained the situation. The representative just laughed and said these are all valid charges, it is all interests. I was really shocked and I said it was interest free for XXXX  months, but it was a trap, which is called deferred interest. They explained this very well after getting their money from you. 
They didnt send any letter in the mail nor in the email they didnt disclose this when opening the account. They just set the trap and steal the money from hard working Americans.

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 2023-02-22
Company: EQUIFAX, INC.
State: NJ
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 to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX # XXXX -- IDENTITY THEFT XXXX  XXXX  # XXXX -- IDENTITY THEFT 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 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 item 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 of 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 2023-08-21
Company: Experian Information Solutions Inc.
State: NC
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:
Incorrect information. Improper names. 
Identity theft. No written consent when sharing my personal information.furnishing harmful information without my consent. Reporting without my written consent. Lack of disclosure.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion and XXXX is not reporting a accurate credit score I reached out to Transunion because XXXX is not able to pool my credit report for paid XXXX accurate scores they say it is Transunion who has a block when I called and spoke to a rep there is no type of hold no one can explain this or get it corrected so I can get accurate credit scores.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance XXXX {$380.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX Balance : {$890.00} XXXX  XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$130.00} XXXX XXXXXXXX Balance XXXX {$65.00} XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} 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 2023-09-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I reached out to the company to advise that my bank account had been compromised and this was my third attempt to inform them that I had faced a financial hardship due to what happened ( my money was stolen from my bank account ). At that time, I asked to accept the offer of getting placed on a payment plan along with the courtesy of updating my account status from delinquent to current. The agent explained that once the payment that she needed to collect was posted, my account would change from delinquent to current on all three credit bureaus. During the call, I made a successful payment as well as scheduled a payment plan as she suggested, with automatic payments set to withdraw on specific dates. She advised that my account would be reflected as current and backdated for any previous months that were reflected as delinquent, and update to current. I have been checking my credit report every day since this payment occurred and it shows that I am still being reported as delinquent over 120+ days. I would like for this to be updated as stated or file a grievance or litigation for misrepresentation and incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a used XX/XX/XXXXXXXX XXXX on XXXX XXXX. From XXXX XXXX. Financed through Credit Acceptance. The Dealer added extra charges that I did not approve. The Dealer had me sign all paperwork on his Desktop computer. He did not print them and go over them. He lied and said I had XXXX XXXX which I did not. He did not go over the price of the car or anything. When I looked at the Loan agreement. It says I owe {$22000.00}. Which is outrageous. The Dealer added my downpayment instead of subtracting it. Also, on XXXX XXXX. My car was stolen from right outside my patio. Thank God I got it back. By me not have gap insurance. I paid out {$30000.00} to get it out of impound yard, paid {$170.00} for window. I replaced ignition by myself. I want out of this loan and my downpayment back. Thank for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted Immediately to correct my credit report.

Company response to consumer: Closed with explanation