BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
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 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: Closed with explanation
Consumer complaint received 2015-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have tried to dispute XXXX XXXX XXXX on my credit report. The information reported from this creditor is incorrect. I even contacted the creditor requesting documents and proof of this debt. When I call, they tell me to call back or the person/ department handling my account is not available. I did take out a loan from this Company, however what is on my credit is inaccurate. I can not even get access online for this account to review my balance, payment, loan documents, etc. I even requested a new password reset ; got nothing. All I need is for the company to prove this debt. I want to pay them back but do not agree with amount on credit report. I sent proof to Transunion of an email receive from the company stating I only owe the principal amount which is {$570.00}. When I took out the loan XXXX XXXX was charging illegal fees for a payday loan. I informed them of this, so this is when they wanted to settle with me to only pay the remaining principal balance. When I contacted Transunion ( XXXX attempts ), they have sent me status stating same result and nothing have changed. Their turn around time is like within 10 days or less. How did XXXX XXXX proof this debt to them to keep this on my credit report after letting Transunion know that I was unable to get prove the amount owed. I really do n't believe Transunion have investigate this issue. What is showing on my Transunion credit report is the account is charged off and I owe {$1300.00} from a {$700.00} payday loan. I made XXXX payment of {$120.00}, but then again on my credit report shows no payments made. I will need proof of this debt to pay it off. This creditor only shows up on my Transunion credit report. What prove did they provide to Transunion? They do n't even want to provide me with prove of what I owe. Please help, I really do not know where to go with this anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have XXXX closed/paid accounts with XXXX XXXX. I recently learned through the process of trying to get prepared to purchase a home how any late payments affects your credit score. In XXXX 2016, I disputed XXXX inaccurate 30day late payments with XXXX and Transunion account # XXXX. It came back verified. I contacted XXXX XXXX several times trying to get documentation to support the late payments. They continue to say they will mail and/or fax proof of late payments but I continue to receive nothing from them. I even wrote a letter asking for forgiveness courtesy. Denied. I recently learned that being under 30 days late is not the same as being 30 days late. Transunion stated the same as XXXX that they can only report what is sent accurate or not and that they do not request for the company to show proof of the late payments they just report only.

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 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was victim of fraudulent activity XXXX times this year thus far. Someone stole my information and my credit was impacted ( i.e., triggered several derogatory activities on my credit reports )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial wellbeing by still reporting an open balance which is affecting any ability to acquire financing.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 wrote these letters to them over 1 month ago with no response. Please assist me.

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 2022-07-25
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the FCRA my rights have been violated by the following companies listing inquiries on my consumer report ( credit report ) : 15 U.S Code 1681 Section 602 A. states I have the right to privacy.

15 U.S. Code 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

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 explanation
Consumer complaint received 2022-07-25
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX credit cards were acquired by Barclays. I received a letter in the mail stating that my account would be switched over to Barclays and we would get a new card in the mail. I opened my XXXX XXXX Credit Card in XXXX of 2019 with my married name, XXXX XXXX. 
When I received my new Barclays statement my maiden name showed on my account XXXX XXXX but my card came a few days later and it was correct with my married name. 
I called into Barclays and they informed me that their computers were not working and they couldnt help me. I called back 2 days later and the rep refused to help me or make a change. His manager told me I would have to mail in a copy of my marriage license with a note for them to update my account. 
I mailed the copy of my marriage license with the note but today received a letter from them stating that they were unable to fulfill my request because the information was incomplete or illegal. 

This makes NO sense. I sent appropriate documentation as directed and they are refusing to correct THEIR mistake. My information was correct with my previous XXXX XXXX  account and they have my name correct on my account. 

They need to correct this mistake now.

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 2017-11-13
Company: First Advantage LNS 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:
cra violation must remove violation of my rights idthft victim po report send hpd inquires are not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX related " hard '' inquiries on my credit report from " Factual Data '' relating to a sub prime business loan with XXXX XXXX XXXX. XXXX inquiry on XXXX XXXX 2016, and the other on XXXX XXXX 2016. This loan has been paid in full. I advised this company repeatedly to not procure credit status inquiries from me using this method but to use the more customary " soft '' inquiry method thus not impacting my credit score. They ignored my repeated requests, However a XXXX inquiry on or about XXXX 2016 was removed as a result of a complaint I made to CFPB.

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 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX      XXXX   XXXX   &   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letters & they completed the request. The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same resp onse for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response back in less than 7 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2015-08-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Charged wrong amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received my credit reports from the XXXX major agencies and on XXXX of them there are XXXX tickets totaling {$650.00} both issued in XX/XX/XXXX. I have never received any tickets during that time that I did not pay and I requested proof that they belonged to my car. The XXXX XXXX XXXX sent me XXXX pictures showing a car that was not mines. I wrote them and stated that I own a XXXX XXXX XXXX with the license plate number and requested that they remove this from my credit. They responded that the car in question was registered to me. I have never registered another car in my name other than the XXXX XXXX. They have refused to remove this from my credit and refuse to investigate the matter as they turned it over to a collection agency. 
The collection agency will not remove it because the originator refuses to correct the error on their end. 
This has to be illegal. No one is willing to prove that I do not own such a car and have never owned said car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of their consumer under section 6.11. As a result I have multiple hard inquires ( falsely ) reported on my credit report. As a result of this violation my credit score has been effected and suffering. Notice was never given which is also a violation. As a result of this I am requesting all inquires be removed. 
I have attached a copy of my transunion inquires in the attachment section.

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 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I would like it to be easier and less of a headache to change/add/subtract personal/important information having to do with my credit reports, credit information and possibly even my credit score! We are in the 21st century, the digital age, so why ca n't things be done digitally or possibly even maybe a little lower tech, and get it done over the phone??!!

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 2015-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a XXXX XXXX credit card not showing up on all XXXX bureaus ' reports. I got the credit card in XXXX 2015. It 's been more than 90 days and I still have not seen the card showing up on the reports. I called all of them. XXXX helped me to submit a dispute, which then gets solved in 1 day. My credit card now shows up on XXXX report. However, after calling Transunion and XXXX, they refused to submit a dispute ( claiming a dispute can only submitted for an existing account which makes no sense ). I need the credit card to show up on all XXXX reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my FTC report, Identity Theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my FTC report, Identity Theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2016-05-28
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card
Issue: Advertising and marketing

Complaint:
AMERICAN EXPRESS has made XXXX Hard Hits on my credit history. In XXXX there were XXXX. In XXXX there were XXXX. So far in XXXX there has been XXXX. I have never applied for an American Express credit card. Also other lenders have made inquiries to my report. XXXX XXXX has made XXXX over the past 3 years. The most recent being XXXX XXXX. 
I understand these " hard hits '' could be affecting my credit score. Please advise. Other companies doing this same action are XXXX XXXX MORTGAGE, XXXX BANK, XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: AR Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Creditor has twice reported me delinquent on XXXX separate accounts with out ever having contacted by phone or mail regarding debt nor have they identified the debt nor have they provided me with any information regarding this debt. i have received no validation notice proving this debt before they reported this debt negatively to the credit bureaus. This is a violation FACTA and the Fair Credit Reporting Act because they are have provided inaccurate information regarding a debt I have no knowledge and despite my two attempts to contact them regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  Khol 's to  pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it as  Paid,  was a charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In  XXXX  report, it is stated as F P ( Fail to Pay ) a s of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to  XXXX .   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced by  credit score  by  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason   XXXX    took such action was because I express dissatisfaction with how   XXXX   was handing my credit investigation wit h Khol 's. T he  XXXX  are punishing consumer who exercise there right to ask for fair credit report treatment

Company response to consumer: Closed with explanation