BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I sent My first letter to XXXX XX/XX/2022 asking them to investigate accuracy of the national credit system account on my credit report. I did not receive a response. I sent another letter XX/XX/2022 still no response. I sent my last letter XX/XX/2022 and i have yet to receive a response to this day but the disputed account shows updated as of XX/XX/2022. 

Also, on XX/XX/2022 they investigated the collection determined it was inaccurate and deleted it. Two days after XX/XX/2022 it reappeared on my report with no written notice which is a violation of 15 U.S.C. 1681 ( 5 ) ( B ). 

XXXX and Transunion provided me with " verified '' " updated '' results after i received their results i did my own thorough research and found several inaccuracies. 

Transunion and XXXX are reporting the collection as open which is not possible on a collection. They all show different dates for the date as last activity. 

XXXX is reporting a 1-month term when collection accounts does not have terms. 


In accordance with the fair credit reporting act XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 section 602A states that i have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 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 non-monetary relief
Consumer complaint received 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 went to get all my credit scores and trying to figure out why I cant get a loan, a vehical, rent a home, a credit card, get a job ... like I'm XXXX  for the second time ... I have my identity leaked over the internet, all of the reports are wrong, I need a experts help please.

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 2016-09-24
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have an auto loan through ally financial in XX/XX/XXXX I became unemployed for a yr so I filed chapter XXXX bankruptcy, kept the car paid the note each month, for three yrs, the XXXX got dismissed not discharged XX/XX/XXXX, I spoke with numerous cs reps in the ally bankruptcy department all telling me that I 'd have to pay XXXX within 60 days after it 's dismissed so my car was worth what I owed so I figured I 'd just trade it in, so for two months I dealt with XXXX dealers. The only reason I pursued the new car was because it was cheaper than paying XXXX all up front, so I got a new car traded mine in 20 days later XXXX XXXX in XXXX oh asked for the car back. So I call ally again finally someone sent me to a person that said I only have to pay XXXX and restart my contract with same interest rate. Had someone told me this from the beginning I would have waited before trying to trade it in. So all the false statements I was given over two months, I now have XXXX hard inquires on my credit causing my score to drop XXXX points. So due to ally giving false info. and poor finance management my credit had to suffer even more. I find it unfair that these foreign customer service reps at these banks do n't know anything and do n't have the correct answers. It 's bs and the consumer suffers while trying to better their situation it 's unfair.

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying dispute negative items on my report since XXXX I am a college student and just been doing my own research and trying repair my own credit to start a business I have contacted all three bureaus and no one will reach back out to me and if they do I was given the run around I have stated laws I have learn which they are in clear violation of nothing this is very frustrating because this has been affecting XXXX XXXX XXXX XXXX XXXX XXXX XXXX please look into this matter and remove 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 2019-12-22
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: Was not notified of investigation status or results

Complaint:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes.I would appreciate it if youd expedite this because I need to apply for a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I purchased furniture from     XXXX   XXXX   t  hrough a company called  XXXX  Now. I 've never been late on this account ever I was having financial hardship. I called the store spoke with the  XXXX  she said if I returned the merchandise I 'll be fine. I took the necessary steps I also asked her was this going to affect my credit she insured me that it would n't. I checked my credit report I was reported late in  XXXX  and  XXXX ? I disputed this item with credit bureaus also sending in the receipt from the company with the date the merchandise was picked up. This merchandise was picked up in the beginning of  XXXX  so how I was late for  XXXX  and   XXXX   and the account was closed in  XXXX ? I 'm asking the bureaus remove this negative information off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Opened a CareCredit card in 2019. For almost 3 years I have been paying up to {$300.00} in 2 payments to Care Credit a month. My balance increases every month, has went over the limit, and I could not figure out why I wasn't getting anywhere despite not charging anything to that card in almost 3 years. ( Yes, I understand that there is a monthly interest charge but it is under {$130.00} a month ). I noticed an additional monthly charge ranging from XXXX XXXXXXXX which I thought was going towards my bill ( Synchrony on my bank statement ). Upon further investigation this week I found that this is a " XXXX XXXX '' benefit ( in the event I am unable to pay my bill ) that they say I authorized when I signed up for the card. I know that I would not knowingly agree to this amount of an extra payment not going towards my bill. I am younger and have a very stable job as a nurse. While I don't remember the specific small details about that application, as a consumer I feel like this process is deceitful and predatory. 

" XXXX XXXX '' has agreed to refund this money however I am unable to see bills prior to 12 months ago. This additional charge is listed on my CareCredit bill yet CareCredit states they can not help me with these matters because " XXXX XXXX '' is a different department. I am unable to access any payment history for " XXXX XXXX '' through their website but the last 12 payments of " XXXX XXXX XXXX '' shows up on my CareCredit App around the 10th of every month, in addition to the CareCredit payment of XXXX XXXXXXXX I pay on the 2nd every month. All of this is very shady to me as a consumer and I wonder how many other people are unaware of this charge or possibly overwhelmed by the difficulty in getting to the bottom of this " extra charge. '' XXXX XXXXXXXX could be a week of groceries for someone trying to make ends meet.

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 2020-06-17
Company: CarMax, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2019 my recurring payments were stopped without my knowledge and. A result my credit report now shows a missed payment. Once discovering this I made the payment before the next one was due and continued every payment thereafter on time. Im disputing this late payment and would like it removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Experian Information Solutions Inc.
State: FL
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:
Hello on XX/XX/2019, I was alerted by My Fico credit monitoring service that someone authorized an inquiry on my Experian report. I did not authorize this. I would like this removed as soon as possible. it was with XXXX on XX/XX/2019. I would like this resolved as quick as possible. there address is XXXX XXXX   XXXX XXXX XXXX XXXX, MN XXXX contact is XXXX. Thank you.

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 2015-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is knowingly reporting an incorrect balance and payment status for an account that was settled with XXXX XXXX. I initially disputed the above referenced account with Transunion in XXXX under the Fair Credit Reporting Act ( FCRA ) but the account apparently was verified. I subsequently disputed the account directly with XXXX under Section 623 ( a ) ( 8 ) ( D ) of the FCRA multiple times, eventually even filing a complaint with the CFPB under this Federal law. XXXX 's response was, and I quote : '' Our records indicate that we received a payment of {$21000.00}, which settled the XXXX account ending in XXXX. XXXX notified the consumer reporting agencies the XXXX account ending in XXXX was settled. We have investigated your complaint and found that XXXX furnished information relating to your account in accordance with industry guidelines. In response to your complaint, XXXX verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. " In support of XXXX 's claim of correct reporting, XXXX is correctly reporting the balance as zero, with a payment status of " Settled, '' which indicates that XXXX is correctly reporting the information but that Transunion is ignoring the corrected information from XXXX and continuing to knowingly report false information to my credit report to my detriment!! This represents a blatant violation of the FCRA!!! 
I have attached the settlement letter from XXXX and the Certificate of Satisfied Judgment as proof of the settlement as well as a partial credit report, dated XX/XX/XXXX, showing the false reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: Southwest Recovery Services, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from Southwest Recovery Services of XXXX XXXX XXXX, XXXX TX XXXX stating I owed a debt of about {$8000.00}. I was not familiar with this debt and called them and kindly requested them to mail me proof of the debt for my review. 

I called them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Today I spoke with XXXX XXXX who stated they dont mail these documents and he declined to mail me proof of the debt. This has been very stressful. 

In the interim, they have placed a debt on my credit report which has adversely impacted my credit score. 

I would just like to get a copy of this debt to see what debt it is theyre seeking.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Failed to require creditor to provide the original terms of cards/loans, failed to require creditor to provide signature on contract ( please see the attachment ) all items in the dispute results box )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a dispute with Experian for incorrect information in my Credit Report, Report Number : XXXX, they said it was still open. Please refer to CFPB case number : XXXX. Today they closed the dispute without correcting/removing the incorrect information and still saying the account is mine. Everything remained the same. They have failed to provide proof of ownership for this account. 

I have contacted XXXX via the number they provided ( XXXX ) and they have no record of my alleged account. This account does n't belong to me, and I do n't recognize this debt or owe any money to this creditor. If valid it would have been paid. Both, XXXX and XXXX have concluded their investigation and removed the account from my credit report. They have verified the account is not mine and Fair Credit Reporting Act, states you are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. Just because someone opened an account with my personal information, and the creditor reported this, I am liable for the account??!?! How is it possible, XXXX credit reporting agencies have investigated and concluded the account in question is not mine, and updated the information accordingly, you still say the opposite? 

Experian needs to correct / remove the following information from my credit report :1. Address : XXXX XXXX XXXX ( This Address is not mine ) 2. Fraud Alert : An Alert was placed on my file without me requesting it. Please Remove it ASAP. 
3. Credit Account ( XXXX ) : Experian need to provide proof I opened the account in question, the purchases that were made and signed documents. I have already filed a complaint with XXXX on XXXX/XXXX/2015 against Experian. Complaint ID : XXXX. 

If you still insist in keeping the account there, and not correcting / remove the incorrect data, I will escalate this to the FTC, my state attorney general, and will sue Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26
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:
Complaint : ( XXXX ) account # XXXX violated XXXX XXXX XXXX XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX XXXX Code XXXX XXXX Transunion XXXX must remove all information reporting from and relating to ( XXXX XXXX account # XXXX third party debt collection accounts associated with ( XXXX ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to XXXX XXXX Code XXXX c-section b.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a XXXX charge account on my credit file that is not mine. I have never shopped or even been inside a XXXX store. I have never opened or used a XXXX account. I have never even heard of them until this appeared on my credit. For a very long time now, I have tried to get this account removed. Experian sent a letter stating that the creditor states its valid. Just like that and its true. Its not true. I mailed a notarized signed affidavit, copy of my license and social security card, and a copy of a police report to XXXX and still they will not remove this account. I have not other accounts in dispute so I dont even believe its fraud. I think XXXX is at fault here. If it is fraud, then I suggest they find out who did this and pursue them. Its funny I have no other accounts that are not mine on my credit. XXXX will not respond to any corresondence at this time. I want it removed from all credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been sending certified documents in to this company and they still wont remove the information although its fraud and it still reports to 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 explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: NC
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:
All accounts that were charged off and then paid in full or a settlement was reach should be deleted off all my credit reports. The creditors mentioned that after successfully making the payment to reduce the balance to zero, the accounts would be delete from my credit reports.

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 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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

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 2015-09-04
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Delinquent account

Complaint:
Paypal has reported me late and I have made payments. They also call all the time. They bother me by calling over and over again. I have been a victim of ID theft and house fire and I need time to get back on my feet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
reporting inaccurate information

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 2022-07-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX failed to provide proof of debt, failed to provide original contract with my signature, failed to provide original terms of loan, failed to provide any proof the account belongs to 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 explanation
Consumer complaint received 2021-12-15
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent outsourcing XXXX XXXX XXXX XXXX XXXX, Wa XXXX Collection amount {$620.00} XX/XX/2021 This account was never opened by me and I have never lived in the state of Washington

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