BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Disputed this account several times, also sent in a police report, identity theft report and letters from the creditor stated this account was a result of fraud. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which was sold to XXXX XXXX XXXX which was deleted XX/XX/2023 they sold this debt but still the account XXXX XXXX  XXXX is still reporting. 

Please see attached letters from creditors. 

Thank u

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 2023-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm submitting a CFPB complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. I'm submitting this CFPB Complaint to follow up on my previous complaint and demanding that the Credit Reporting Agencies remove the disputed items immediately before I'm forced to take legal action. Remove the following items completely from my Credit File. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Please assist me remove the items which are fraud : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Following banks have all refused me opening an account, citing consumer report and credit report as reason. PNC, XXXX XXXX, XXXX AND XXXX. CURRENT bank labeled me a liar by refusing to honor a legitimate dispute of unauthorized charges to my virtual card on my checking account and closed me out without my being able to discuss the problem which is internal of the bank itself. I understand but fail to agree with their reasoning. Yes I messed up with some financial stuff, but am I doomed to NOT having a safe place for my Social Security and Pension funds ( $ 3600 monthly ) to be deposited. I do not trust online banking and feel I should be given a chance to prove myself, rather than a flat denial of services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$270.00XXXX XXXX XXXX  XXXX Balance : {$340.00} XXXXXXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX  XXXX Balance : {$440.00} XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$440.00}

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 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM The Victim Of Identity Theft ; Whereas, FRAUD ACCOUNTS -AND - CREDIT INQUIRES Appear Per My Credit Report. With That Said, A Designated Police Report ; Proof Of Law Enforcement Correspondence ; And, Proof Of True Identity Forwarded As Such : FRAUD ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion ; XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion ; XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion ; XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion

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 2015-08-03
Company: U.S. BANCORP
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX, 2015Institution Name : U.S. Bank ( XXXX Office ) Account/Product Type : Checking/SavingAddress : XXXX XXXX XXXX XXXX XXXX, IL XXXXU.S. Bank has been defrauding me. U.S. Bank began showing different account balances than what was actually in my account and causing me to write checks, withdraw money and incur over-draft fees because the balance that the bank would show ( after all withdrawals ) was not accurate. I began to notice that this was a pattern and had been going on for approximately XXXX-months so I closed my accounts with U.S. Bank and opened a checking account with another bank in XXXX, 2015. I notified Social Security and U.S. Bank well in advance. U.S. Bank received my check from the social security office on XXXX/XXXX/15 and is holding my check. As of today, the only check that has deposited into my new bank account is my XXXX/XXXX/15 check. Last month I notified Social Security that U.S. Bank is holding my check. As, per the Social Security Administration ( XXXX Office ), U.S. Bank is to return my check to them. Apparently, U.S. Bank is still holding my check. People on fixed income need their checks. I went over a month without a check because of U.S. Bank! This caused me to incur major setbacks, and I still do not have my XXXX check. I want an investigation into U.S. Bank, I want my check, I want U.S. Bank to cover all expenses incurred by me, and I do not want any further communication from U.S. Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
To Whom it may concern. 
My name is XXXX XXXX, and I am a single father that is simply trying my best to do what I can with my son and me. the improper use of my credit report and the improper and incorrect use of my information has severely damaged my life. 
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy and these inaccuracies are stopping me from the ability to find a decent home for my small family 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 which they have constantly done.

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 and some of these are 10 years old.

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.

I don't believe it is inaccurate I know it is from the proof I will provide below.

I know whoever is reading this it is not your fault, but I need your help. I am just trying to be better for my son.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To delete accounts immediately, my consumer writes are being validated by law

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX : Is showing open and late, this account is not open it has been paid in full closed. Also, this account shows late payments this account has never been late. 

XXXX XXXX : This is account does not belong to me. this account belongs to my brother with a similar name. I've asked for this account to be removed and or proof that this account belongs to me. 

XXXXXXXX XXXX XXXX : This account does not belong to me and i have asked for this account to be removed. I also asked for proof of this account belong to me.

Company response to consumer: In progress
Consumer complaint received 2023-02-01
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I DISCOVERED VIA MY CREDIT REPORT FRAUD ACCOUNTS THAT I DID NOT OPEN, I THEN CONTACTED THE COMPANIES AS WELL AS THE THREE MAJOR CREDIT REPORTING AGENCIES. TO MY DISMAY, THREE COLLECTIONS AGENCIES ARE STILL TRYING TO COLLECT ON THESE FRAUDULENT ACCOUNTS. I SENT TO THE CREDIT AGENCIES A LETTER AS WELL AS AN FTC REPORT AND A POLICE REPORT AND STILL, THESE COMPANIES ARE TRYING TO COLLECT MONEY ON AN ACCOUNT THAT IS NO MINE. XXXX XXXX XXXX FOR $ XXXX ACCOUNT NUMBER XXXXXXXX KANSAS COUNSELOR XXXXXXXX FOR {$1100.00} ACCOUNT NUMBER XXXX XXXX & XXXX XXXXXXXX FOR {$450.00} ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
As if XX/XX/XXXX my loan balance was : {$24000.00}, with no capitalized interest. 

My first monthly payment of {$7100.00}, on XX/XX/XXXX was allocated by Aidvantage as follows : {$6000.00}. -- allocated to principal {$150.00}. -- allocated to interest This amount seems inexplicably high. 

I can not understand how a loan of $ XXXX would accrue that much interest@ 7.3 %, in one month or even two months. 

This appears incorrect to me, so I emailed Aidvantage to ask them to explain. I have received only an automated reply. 

If I'm wrong in my calculations I accept that, but I'd appreciate your help. 

Many thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This Company has violated my rights as a Consumer by not complying with the law by consistent ignore my Right to Privacy in accordance with : 15 USC 6801 ( a ) The Company has ignored it's obligations pursuant to : 15 USC 6801 ( b ) 15 USC 1681 ( a ) I am requesting that this company remove and delete the following named accounts immediately and cease reporting any of my personal information without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
Company: Linebarger Goggan Blair & Sampson LLP
State: NC
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Charged upfront or unexpected fees

Complaint:
I was traveling from XXXX XXXX  to route to XXXX XXXX and accidentally went through an XXXX XXXX toll instead of a cash toll, so I was charged {$50.00} as a fee for breaking XXXX XXXX law, and not paying the toll as I went through. I was sent a letter from Linebarger Goggan Blair & Sampson stating that I owe this {$50.00}. The toll technically came from the XXXX XXXX, XXXX however, they use this company as their debt collector. Upon looking them up on the XXXX XXXX XXXX there are multiple complaints of fraudulent activities from them, including one person who was continuously charged from a toll they had in XXXX, he would pay it, and they said that their balance was a XXXX, but they continuously charged him, because they only take a certain amounts of the money to pay off the debt, and the other money they pocket for themselves. This is not made explicit whatsoever in any of the letters that they sent it is completely misleading to the public as well as rather predatory. Im concerned that most people receiving these letters would pay through them Goggan Blaire and Sampson rather than XXXX XXXX XXXX directly resulting in scamming them out of their money for years to come. Had I not look this up and called the source of the toll, I probably wouldve fallen victim to the countless people that have had issues with this company. They are not operating a fair business practice, they were purposefully elusive, the only way to file dusputes is through Fax, they do not have an email, they do not have a place for complaints other than through Fax. Although it is not against any law to only have fax as contact, I highly suspect that they do this in order to purposely inconvenience people and not having to directly talk to them to complain about their fraudulent behaviors. The lack of explicit statement on the letter, missing forms, the public into thinking that they should use this company to pay their toll, when, in fact, they are unknowingly paying the company, and only a certain percentage of their toll. This is quite despicable, and should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear, transunion, XXXX, and XXXX I would like you to remove all the inaccurate and misleading information from my credit report. 
Such as addresses 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities 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 non-monetary relief
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've been 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 2023-09-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
See attached document stating why this late payment should be removed and updated on my consumer report. This clearly did no verification before slapping this erroneous late payment onto my cunsumer report damaging my credibility and reputation in the eyes of other creditors. My consumer rights have been violated and I want this wrong to be made right before further legal action to clear my name is taken.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: NY
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:
My name is 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 explanation