BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 16th 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 XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-07-21
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received my credit report on XX/XX/2023 and noticed that there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me from getting approved. I have already reached out to the credit bureaus about this multiple times and there is a continuous violation of my rights under 15 USC 1681b. I have also attached the inquiries that have no purpose to be on my credit report. They say car loans and all have the same date. Provide all documents that permits permissible purpose for such 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 2023-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My payment is due today. So went online and made a payment but it would not let me select todays date ( XX/XX/XXXX ). Instead even though I am paying today and my due date is today the first date I could choose is tomorrow XX/XX/XXXX. I was charged as late fee even though I paid on the day it is due. 
When I called Capital One they told me I had to pay before XXXX. I asked them to waive the late fee because I paid on the due date but they would not. If my payment date is today and I will paid today I dont think I should be charged a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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 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 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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$24000.00} XXXX XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$24000.00}.

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 2023-05-06
Company: CL Holdings LLC
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: Account information incorrect

Complaint:
Jefferson capital has failed to verify the debt that they claim I owe for fingerhut I am currently paying fingerhut directly for my account and do not believe to owe them nor do I have any type of contract with them. The credit bureau has not done a formal investigation into my dispute as they do not request proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-05-06
Company: Upgrade, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Will include attachments of dates of denial emails on two different occasions on tw separate pre-approvals. I was invited to apply for credit and loans with Upgrade with a decent credit score. I will attach the minimum scores they normally approve consumer applications with XXXX or higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: GA
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:
So I disputed online and sent the document off on XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 account recently appeared on my Credit report. It states that is an account over 6 and a half years old yet it just recently shows on my credit report. According to 15 U.S. Code 1679c, this account must be removed immediately.

The account in question is as follows : XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00}. I am unaware of this account. I have no knowledge of it and it must be removed. 

I hope this finds you well. I am writing to request the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609.

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXX. XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00} As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly. 

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings. 

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX has never sent me a bill or verification for this debt with XXXX XXXX XXXX XXXX  I do not agree to owing this debt. I would like the credit bureau to investigate and require XXXX to show proof that I owe this debt to them.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am currently a operating member of a LLC listed as personal guarantor for a XXXX  XXXX XXXX auto loan. The loan is listed as a personal joint loan on my personal credit file. I contacted XXXX twice and they tell me that everything appears to be in order with my loan and that I must dispute with the credit agencies. The credit agencies ( all 3 ) tell me the listing on my report is correct and that I need to work with XXXX to rectify. I am not sure who should own this but its affecting my personal credit standing due to this auto loan.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report 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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have XXXX inquiries on my credit report that I did not authorize, I do not have a connected account, and I did not apply for any products with these companies. These items are as follows : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry I have no credit cards , credit lines, Automobile loans, or any association with these inquiries.

I am writing to demand the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609.

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX-Inquiry As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly.

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings.

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence.

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being lat

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion continues to show negative information on my credit report for an account I previously had with XXXX XXXX However, in a separate complaint I filed on XX/XX/XXXX against XXXX XXXX, No. XXXX, XXXX 's XXXX in a XX/XX/XXXX letter apologizing and admiteding it was their bank 's error that had created the entire problem and critically that I had paid my account timely and in full before ever ia statement on XX/XX/XXXX but my check was posted to an incorrect account. XXXX 's stated they had 'requested the credit reporting agencies update their records to report a XXXX balance, remove the reported delinquencies, and report the acount as " closed by the customer. ' '' See XXXX 's repsonse in XXXX. Transunion has not followed XXXX 's instructions. In a recent telephone call a Transunion representative confirmed the XXXX 's negative information was still on my account.

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 2023-05-06
Company: National Credit Adjusters, LLC
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: Account information incorrect

Complaint:
I have requested validation of this debt with National credit adjusters and they have not sent it over 90+ days ago. This debt continues to get sold by different collection agencies and re-recorded. I do not believe this debt to be mine and if validation is not furnished would like this to be investigated by the credit bureaus and Federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
RE : Complaint Regarding Unauthorized Inquiries on TransUnion Credit Report Dear Consumer Financial Protection Bureau, I recently discovered unauthorized hard inquiries on my TransUnion credit report. The following companies made these inquiries on the specified dates : 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 I contacted the companies involved, but they confirmed no record of my consent for these inquiries. 

I am submitting this complaint to request the prompt removal of these unauthorized inquiries from my credit history, as they violate my privacy rights and the Fair Credit Reporting Act Section 1681b ( c ). 

I trust that the appropriate actions will be taken to investigate the matter and resolve it promptly. 

Thank you for your attention to this 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 explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE 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