BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Name of collection/charge off accounts ) that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed 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 explanation
Consumer complaint received 2017-03-09
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hi my name is XXXX, I open a Account at Suntrust Bank XX/XX/2017 online I then deposited XXXX that day I also deposited money again XX/XX/XXXX XXXX and XXXX and I open the account online on the XX/XX/XXXX I went in yesterday try take money out they say they ca n't hold on my money no letter in mail no call nothing then so when I talk to management at bank he say cause I open account long ago before we was n't supposed to let me so ok where my 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 2017-04-18
Company: Texas Guaranteed
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am recently paid off my student loan with Texas Guarantee but my credit report does not show paid in full. It list account is current. There is not a balance I owe so I am not understanding why this has not dropped from my credit report or at least report as closed. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a Notice of Wage Garnishment from my employer on XXXX XXXX, XXXX the Notice did not correspond to the Notice to Collect the Debt that i received on XXXX XXXX, XXXX. My Payment of {$85.00} was not reflected in the Notice of Wage Garnishment from my employer.

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 2022-05-01
Company: Atlanticus Services Corporation
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:
In accordance with the fair reporting act XXXX  account # 's XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$98.00}, XXXX/XXXX XXXX  XXXX {$1300.00}, XXXX XXXX XXXXXXXX {$4800.00}, XXXX XXXX XXXXXXXX , {$5000.00}, XXXX XXXX XXXXXXXX {$160.00}, XXXX XXXX {$2200.00}, XXXX XXXX  {$0.00}, XXXX {$0.00} , has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a debt and I paid it, I am still reported in the 3 national credit bureaus, I have communicated several times with them and they do not answer me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Payments are applied incorrectly, going to interest not principle. Additionally, the website is incredibly deceptive with the information it provides to borrowers. It is difficult to find out any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: I.Q. DATA INTERNATIONAL, 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: Problem with personal statement of dispute

Complaint:
i have sent a letter asking for debt validation on XX/XX/XXXX, on XX/XX/XXXX i received a bill. on XX/XX/XXXX i sent a 2nd request i received a bill and copy of paper work. i have not received any proof of signature of mine. i have asked for proof but still waiting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Social Finance, 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: Account information incorrect

Complaint:
In XX/XX/2021 SOFI LENDING CORP with account number XXXX was taken off my credit report and now has been put back on it. This company does not have this loan as it states on the credit report that it has been Transferred. The Account Status is reporting it as derogatory and this account does not even have a balance reporting on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: LA
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:
While checking my credit report for accuracy, I noticed some fraudulent items on my credit report. I found that I am a victim of identity theft. Someone used my personal information to obtain a student loan and to obtain a XXXX  XXXX credit card. I have tried tirelessly to get the banks to act to remove these items from my credit report but with no success. I am extremely frustrated.

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 2017-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On  XXXX   XXXX ,  XXXX  I received a notification from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and  XXXX   XXXX  that I had a hard inquiry from Capital  One cre dit card company. I filed a dispute through   XXXX   and was told it was sent through   XXXX  .   XXXX    in formed me that I would need to send separate notification to th e two  other bureaus  XXXX  and  XXXX . They provided letters to send to each. Here is what it said :   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX    XXXX   XXXX , GA  XXXX  To Who m It May Conc ern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file.    CAP ONE   XXXX / XXXX / XXXX  ( INQUIRY ) Once the fraudulent information has been removed, please send me a copy of my corrected credit report. If you have any questions I can be reached at  XXXX   XXXX   XXXX   XXXX . I look forward to hearing from you soon.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  SSN :  XXXX   DOB  :  XXXX / XXXX / XXXX  I was informed to wait 90 days to see the inquiry removed off of my credit. When 90 days passed and nothing changed on my credit report, I called    XXXX    and they told me I would need written confirmation fro m  Capitol One t hat  I did no have a line of credit open with them. In  XXXX  of  XXXX  I   called Capitol one  and spoke with a representative about this issue. After getting my perso nal information I was informed that I would be getting a letter within 60 days. I never received a letter f rom Capitol One and the hard inquiry is still appearing on all three credit bureaus reports. I unfortunately, do not have th e employee ID number from the call wi th Capitol One. Now, I am stil l wanting this removed from my credit since on  XXXX / XXXX / XXXX  report #  XXXX  verifies that this inquiry was not me and this was fraud. IF any additional documents are needed please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-04-18
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
After paying  XXXX  for coverage on  XXXX   XXXX ,   XXXX  , I decided to go with a less expensive auto insurance when it was time for me to renew. I was n't notified of any policy changes and was n't sent anything. I recently checked my credit report and found that I was sent to collections without knowledge of any monies owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A debt from XXXX XXXX {$800.00} original creditor XXXX ... was removed off my report and placed back on in 2014. This debt is past the statue of limitations and over 7 years old. Transunion did an investigation last year and did nothing. The original default date is incorrect, but it shows 2014 the year that this debt was put back on 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 explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
- [ ] XXXX  XXXX Account number : XXXX - [ ] XXXX  Account number : XXXX - [ ] XXXX XXXX XXXX Account number : XXXX I have recently received a copy of my credit report, and to my surprise I noticed that reinsert accounts have been added back at the deletion. I disputed the inaccuracy of this account before and the account was removed. Im confused as to why this item has popped back up on my credit report under Fair Credit Reporting Act ( FCRA ), an item can not be reinstated. Answer my credit report with a written notice by a credit bureau to me within five days of the rain session. I have received no such notice and would like for this item to be deleted this is a violation of my rights. 

Upon deleting this account please send me an updated copy of my credit report with updated leases to the address above. If action is not taken regarding this matter I will forward this copy to the CFPB as well as the FTC and file a formal complaint. 

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 non-monetary relief
Consumer complaint received 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I 've been trying to place a security freeze on my Transunion file because I am a victim of identity theft. I was able to place freezes online with both   XXXX    and   XXXX   with no problem. I 've gone through Transunion 's online process multiple times on different days, and every time ( after giving all my information, including my credit card billing info  )  their website gives me the same error : " we are unable to process your request at this time ''. It is obviously not a temporary issue, since it 's been happening consistently for a week. This leaves me, and any other consumer trying to do the same thing, no other option but to call their " customer service '' line which is in a foreign country where many US consumers do not feel safe giving out all of their personal information ( if they can get through to a person at all- which only happens part of the time ). Transunion has made it literally impossible to do something that we have a legal right to do, and which is essential for victims 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 2021-07-21
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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX B XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2015-06-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello, My name is XXXX XXXX, I ordered a ChexSystem report about a week ago because I can not open a bank account. Back in 2010 I had an account with XXXX XXXX XXXX, they closed my account due to a bad check. I wrote them numerous letters, but they never replied. 5 years later I 'm still unable to open an account. Once I received my ChexSystem report it stated that I tried opening numerous bank account in states that I have never been before. I just need to get a clear understanding of whats going on, and what should I do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: DISCOVER BANK
State: NC
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:
This an unknown company to my knowledge I have not given any permission to access my credit report. they have made multiple hard inquiries on my report without permission. I have disputed these items and have not received any type of response as to an resolution. I reached out to the company to have them remove inquiry, they supposedly did but it returned about 60 days later. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
In XX/XX/XXXX, I finished a deed in lieu with XXXX XXXX. The mortgage account was closed and i was relieved of any further responsibility. Subsequently the property was sold to a new owner in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX. started sending correspondence reporting that they had been transferred the loan and began requesting payments. I initially thought it was a scam but after receiving a few more letters, I contacted them and explained the situation and considered the matter closed. I received no further information until XX/XX/XXXX when I saw they had placed numerous late payments on my credit report. I have tried getting this resolved with XXXX, who has acknowledged this is not a legitimate claim and never should have been transferred or accepted by them. I keep contacting them but they keep asking for more time and say they are working on it. I have also disputed it with all 3 credit agencies who said after their " investigation '', it was a valid account. This is fraud plain and simple and the credit agencies are supporting this irresponsible behavior.

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