BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX 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 has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: In progress
Consumer complaint received 2023-07-06
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 is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.

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 2023-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After checking my full credit score report I noticed that an authorized user credit card account is missing on two of my credit reports it is showing currently added and updated on my XXXX account but is missing from my Experian and XXXX XXXX XXXX. 
This following information below is the credit card account that is missing from reports above : XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Open balance {$9300.00} Credit limit Credit limit {$9300.00} You're using 0 % of your account 's limit OVERVIEW Minimum monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 100 % of payments on time. 
Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} ACCOUNT DETAILS Account status Open Type Credit card Responsibility Authorized User Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've sent over 2 separate letters regarding my consumer report and the errors reported on there that need to be removed. I was recently evicted and misplaced my receipts when I sent out letters but 2 of them have gone unanswered and they just sent me my consumer report saying all the information is verified. Which I know is a quick and easy response to restart the clock in the 30-day timeframe they have to respond. The main inaccuracy that I have an issue with is late payments. Over 15 late payments are being reported on my consumer report, but according to your laws, late payments are excluded from being reported. It specifically states in 15 USC 1681a ( 2 ) ( i ) that " Reports containing information solely as to transactions or experiences between the consumer and the person making the report ''. Transactions and late payments or any kind of payment history are excluded, and also experiences. So how I use my card, and my " experiences '' with using said card are supposed to be excluded from your consumer report. If you look at the definition of a consumer report. Nowhere in there does it say anything about payment history, credit utilization, FICO, vantage score, etc. None of these items are mentioned in what defines a consumer report. In any consumer transaction, I am the original creditor, using my SS card which is my first credit card. If you do not agree then please see the definition of credit card for clarification. So therefore I extended my credit to these corporations, being how it was the use of my credit which was extended to them in the first place. Another big issue is the 3 collections reporting on my consumer report. A debt collector is a third party whom I do not have a contract with and who is trying to come after me for evidence of a debt. They do not have any proof of the debt and can not prove that I owe anything to them because they can not produce a contract that has the wet ink signature that I agreed to pay them anything. Debt collectors buy debts, knowing that they are bad debts, and may not ever collect any payment for them. So they can not cry wolf after knowing they bought a pool of bad debt that was a great possibility of not being collected. Each violation of my consumer rights is a minimum of a {$1000.00} fine, and there are many violations on my consumer report. I would like this information removed as it is causing me harm as I mentioned earlier I was evicted not long ago and this inaccurate information is making it difficult to extend any more of my credit.

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 2023-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an ongoing fraud case with all three credit bureaus, as I have several credit card accounts with fraudulent activity or accounts that simply aren't mine. Anyhow, representatives from Bank of America, one of the companies to which I allegedly owe about {$12000.00}, approach my house and threaten civil action against me and threaten to find me at my place of employment. Today, XX/XX/2023, they approached my XXXX XXXX and had her so upset that she had XXXX XXXX and had to seek medical attention. Their representative also went to several neighbors asking for my whereabouts. This is harassment in its lowest form, and it is now verging on XXXX  abuse. I have reference numbers from my fraud case if needed. Please contact me whenever you need to. 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 explanation
Consumer complaint received 2022-10-08
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
According to the Family education and privacy act of 1974, I have a right to privacy from educational institutions and financial institutions. I have never given my written consent to Mohela to furnish any of this information. Mohela is also a 3rd party collector that I have no agreement, contract or consent to be in a binding financial relationship with. 


On XX/XX/XXXX Mohela was transferred into my domain as a student loan servicer that I never consented to. Mohela has been reporting negative experiences on these accounts causing adverse effects of my credit reports. 15 USC 1681 tells me that late payments are experiences not to be included in my credit report. Additionally, Mohela never sent me a 21 day notice of these " late payments '' and if they would have verified the information with the consumer they are reporting on, me, they would know that these late payments are inaccurate, a violation of the FCRA and FDCPA. 

On XX/XX/XXXX they reported an added balance of ~ XXXX XXXXXXXX to XXXX which caused my score to drop XXXX XXXX. These new balances that shouldn't even be accumulating were reported on XX/XX/XXXX. These loans are being actively investigated and should have not been reported on at all. 

I have been denied loans, credit and more because of Mohela reporting information they have no right to be reporting. I will be seeking monetary litigation for these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
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:
The car was Repossessed years before payment dates listed are false. Car was sold XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by me THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2023-09-17
Company: Paypal Holdings, Inc
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX and had my identity stolen on vacation in XXXX XXXX on XX/XX/XXXX. The criminals stole my XXXX, XXXX watch, two XXXX XXXX credit cards, and my ID. I was passed out believed they slipped something in my drink and woke up with everything gone. I have submitted a police report and found the criminals information online via XXXX. Overall i am having problems with wells fargo reimbursing all of my money back. They gave me back about XXXX of the XXXX that was stolen. I have two transactions with them on the same day of the incident saying XXXX from my savings for {$1000.00} and another of {$2500.00} on my credit card. XXXX XXXX is saying that they were authorized from a secure device that I authorized and will not reimburse me for these transactions. I have been dealing with this since the incident. It is now XX/XX/2023 and i have been denied three times with this claim. I have provided a police report saying that the phone was stolen and it was still denied. I feel like they just keep running me around the block and its literally been over 100 days dealing with this. This is starting to affect my credit report now and I am exhausted dealing with this constantly on my days off and i work XXXX a week. Can you please help me resolve this it has been going on to long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Updated : XX/XX/XXXX XXXX  XXXX Balance {$660.00} MXXXX XXXX Balance {$160.00} MXXXX XXXX Balance {$70.00} XXXX XX/XX/XXXX XXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FXXXX 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 2023-04-17
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal 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 non-monetary relief
Consumer complaint received 2023-11-17
Company: EdFinancial Services
State: CA
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 called my loan servicer - EdFinancial - in mid-XXXX to set up my repayment schedule for my loans. I had a long conversation with a customer representative about my loans, including my income, my wife 's income, and our combined loans ( we file our taxes jointly ). They gave me an amount of around {$1200.00} a month under the SAVE plan that I would owe. I told the representative that she could certify the information on my behalf. Afterwards, I received a bill for {$2700.00} a month. I called back to inquire about the difference. They saw the issue and opened a ticket and said they would let me know when it was resolved. This has now been two months, I have called multiple times and it has not been resolved and they can not tell me what the issue is. I paid the {$1200.00} that they told me that I was due, and now I am getting delinquency notices from them and the government. Today I called back and they said that I certified the information after the call with the agent and that this created the issue and that there is nothing that they can do. They can not explain, in any material way, what the issue is, or why it is the case that their system gives two different amount due, or what I am to do about this. It is unacceptable for a servicer of a government loan to keep me in limbo like this for months and to be unable to calculate the amount that I duly owe on my loan.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: VA
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:
This was my sixth time to complaint to you, to inform you that I want to do a follow up in the status of my request to remove these remaining inquiries in my XXXX and Equifax Credit Reports. I was hoping eagerly expecting that in my next update of my mentioned credit reports, I am expecting that these listed inquiries here will no longer be present in my credit reports : 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 2023-09-17
Company: Nelnet, Inc.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The full amunt of the student loan was paid yet the service who collected my money fail to notify my loan provider that the account is fully paid. resulting in my loan provider having no proof that i paid it to XXXX  so they can not close my account. i personally can not afrod to another XXXX dollars when it has been already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Exeter Finance Corp.
State: GA
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:
I want these inquiries deleted because I did not authorize these companies to run my credit. 

I have two inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation