BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately : XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 2016-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The following information is reporting on my credit report when the responsibility of this debt has shifted due to my divorce, which is Missouri Case Number XXXX. 
XXXX XXXX Account ( open date XXXX/XXXX/XXXX ) and XXXX XXXX ( open date XXXX/XXXX/XXXX ) are accounts that need to be placed on my ex wife 's credit report, not mine. 
XXXX XXXX Debt ( open date XXXX/XXXX/XXXX ), XXXX XXXX XXXX ( open date XXXX/XXXX/XXXX ), and XXXX XXXX XXXX ( open date XXXX/XXXX/XXXX ) are collections that responsibility has shifted due to my divorce.

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 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed a credit card on my CR that is a result of Identity theft. All XXXX bureaus keep reporting info is accurate however they have failed to provide me with the documentation used to investigate. I have contacted the card issuer by certified mail and they have failed to provide me information to verify legitimacy. I have specifically requested documentation from the issuer and all the bureaus none which have sent the information therefore there is no proof that this is my account. I provided affidavits to the CRB and the card issuer and again the CRB wrote contact issuer they may not know how to get a hold of you, however I have sent written correspondence via certified mail 3 x that were received and they have ignored my requests and correspondence for over 90 days. The card issuer 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 2022-10-21
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: Their investigation did not fix an error on your report

Complaint:
The incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion were XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$45.00}

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 2016-11-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On or about XX/XX/XXXX, I had my Chase Credit cards canceled without warning or notification. Upon calling to determine the reason I was told a letter would be sent explaining why and that no one would be able to inform me over the phone why my cards were closed. When I received said letter, it only informed me that my money market, savings, business account, and credit cards would be cancelled. No explanation given whatsoever, I have attempted to request at a local branch, but again no information is given. I am confused as I have all my accounts in good standing, do not engage in illegal activity, my payments are made on time and my credit score ( is/was ) above XXXX. I am more upset that despite my good standing a card can be cancelled without warning, this would have been extremely dangerous were I traveling abroad or in some medical emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Online XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Bank Account XXXX n accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The company is disputing an item from XX/XX/XXXX on my credit report as if it is a new account. The information that was provided to the credit bureaus is showing as new for a original creditor. Which should n't be updated on my credit report because I disputed the account and it was removed off my credit report to re appear as if it is new. Please investigate this company because the time has past on statue of limitations and now there returning with a new company to impose on my credit report and lower my report due to wrong information being provided 8 years later. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXXOriginal Creditor XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance {$2200.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Dear CFPB, Since last year I have been actively monitoring my credit report for fraudulent activity and have signed up with XXXX XXXX, XXXX XXXX, and XXXX XXXX. I recently did some loan shopping but only with lenders that guaranteed a " soft pull '' on their website and was confirmed on the phone which guarantees the inquiry is not shared with others and has no effect on your credit score. Recently there have been some hard credit pulls on my file with TransUnion by companies who are subscribers. There is some serious lack of transparency by TransUnion and the agencies who promise and indicate " soft pulls '' and it then shows up as hard inquiry. This is misleading and TransUnion has shared responsibility in letting this happen since they are making money by supplying the information. I 'm fully aware of the regulations and terms of the FCRA federal regulations and a " soft pull '' that suddenly becomes a " hard pull '' without strict authorization does not contain permissible purpose. I do n't care who they are I demand the immediate removal of the hard inquiries. I have been misled and tricked into hard credit inquiries and hold TransUnion responsible. The analysts at TransUnion should develop a method or code which generates a text or email for verification of the hard pull. 
Sincerely, 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 2015-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to AnnualCreditReport.com to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " XXXX '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return XXXX. address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08
Company: ALLY FINANCIAL INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Was paying to much for a XXXX XXXX ( {$660.00} ). They reposed the car and sold it for {$16000.00} ) and I do n't think I should owe them anything for as much as I was paying a month, I believe they could have gotten the {$9500.00} that they want me to pay now. Ally Financial harassed me at my job and when I would call them they would speak to me very harshly. They would call my place of employment 2 to 4 times on some days every week. I want this bill removed from my credit report and a paid in full credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

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 2016-04-14
Company: CarFinance Capital LLC, Irvine, CA Branch
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I HAVE A LOAN WITH CARFINANCE.COM ( LOAN # XXXX ) AND I HAVE RECEVED NUMEROUS CALLS EVENTOUGH I HAVE TOLD THEM A DATE I WOULD PAY. I AM CURRENTLY A MONTH BEHIND BECAUSE OF FINANCIAL CIRCUMSTANCE, BUT I HAVE ALWAYS MADE MY PAYMENTS WHEN I SAY I WILL VIA XXXX. THEY SAY THATS NOT A SECURED ARRANGEMENT BUT THAT THEY WOULD NOTATE IT IN THE SYAYTEM ON WHEN I CAN PAY. WELL, I HAVE TOLD THEM SNCE XXXX XXXX WHEN I MADE MY LAST PAYMENT THAT I WOULD NOT BE ABLE TO PAY UNTIL XXXX XXXX MY NEXT AVAIL PAYDAY TO MAKE THE NEXT PMT. WELL I PAID ON FRIDAY XXXX A XXXX PMT {$310.00} AND CALL IN THE REF # AND I ALSO LET THEM KNOW MY NEXT ARRANGEMENT XXXX/XXXX/16 {$310.00}. I END UP GETTING A CALL ON MONDAY XXXX AT XXXX AND THEN XXXX CALLS WITHIN XXXXHRS APART TISMORNING XXXX/XXXX/16 AT XXXX and XXXX!!!!! THIS IS A VIOLATION OF Fair Debt Collection Practices Act ( FDCPA ), The Act prohibits certain types of " abusive and deceptive '' conduct when attempting to collect debts, including the following : 1 ) Communicating with consumer after request for validation has been made : communicating with the consumer or the pursuing collection efforts by the debt collector after receipt of a consumer 's written request for verification of a debt made within the 30 day validation period ( or for the name and address of the original creditor on a debt ) and before the debt collector mails the consumer the requested verification or original creditor 's name and address. 2 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously : with intent to abuse or harass any person at the called number. NUMEROUS TIMES HAVE A PAID WHEN I SAY I AM GOING TO PAY. YES, I AM CURRENTLY BEHIND A MONTH ON THE PAYMENT BUT I HAVE GIVEN VERIFIABLE ARRANGEMENTS ON WHEN I WILL PAY. I WO N'T DO CHECK BY PHONE BUT I WILL DO XXXX PMTS TO AVOID RETURN FEES WITH MY BANK. LAST MONTH THE SAME THING HAPPENED WHWER EI WOULD GET CALLS ALMOST EVERYDAY EVEN AFTER I TOLD THEM WHEN I WOULD PAY. IM NOT A BAD PAYING CUSTOMER JUST A SLOW PAYING CUSTOMER BUT I AM ALWAYS TRUE TO MY WORD ON WHEN I WILL PAY. I CONSIDER THESE RESULTS GIVEN UP TOP HARRASSMENT AND WANT IT TO STOP!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2022-10-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am tired with all the stalling tactics of the Credit reporting agencies to have the disputed accounts and information removed from my Credit File. I have been submitting countless CFPB Complaints and CFPB Complaints against the Credit Reporting Agencies and it is clear that they are not willing to comply with the Federal regulation FCRA section 605b. This action of the Credit Bureaus is a clear violation of a consumer 's rights under the Federal law. Also, the Credit reporting agencies have been continuing to report the disputed accounts as accurate and verified despite the fact that they have not sent me any proof of verification or poof of ownership. This will be last attempt to correct my Credit File by submitting a CFPB Complaint. In the event I review my Credit File on my next available Credit report, and see that the Credit Bureaus have not removed the disputed accounts, I will be filing the lawsuit my legal team have been preparing for quite a long time. The Credit Bureaus get to choose whether to face the lawsuit or have the disputed accounts removed from my Credit File. Once again, here is the list of accounts that should be removed : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2015-04-20
Company: ERC
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Matter of fact there is no debt at all. After researching blogs online I came across, this company is a scam. My credit report is showing collection requested by XXXX. I called the XXXX and they very well confirmed that I 've no dues at all since I closed an account. 
My question to Bureau is, despite XXXX of similar complaints, how come this company is in existence. How to dispute and remove such disaster that has no roots ( base of claiming collection ). 

This is the company I am talking about. 

XXXX 

Why do they exist? Are they legit? And only combination ( pattern ) is with cable company only. That even is XXXX. 

This needs to stop. It took years to sharpen credit number and all of a sudden this disaster damaged number like anything. 

I never received any reminder or follow up letters as per law that tells that I owe any amount to XXXX. XXXX I paid it on time. This collection has came after a year and a half I discharged services from XXXX. 

Please do needful and please reply to my email, how can I remove this from my credit report. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18
Company: Big Picture Loans, LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I applied for and received a installment loan amount from Big Picture Loans on XXXX in the amount of XXXX dollars. I can no longer afford the interest only payments. I found out the payments set up on my bank account are for interest only and do not at all go towards my loan principle. I have contacted my bank and put a stop payment service setup on my account so I do not have my pay check funds taken away for me. This is a monthly payment I can no longer afford and I see now they say I owe XXXX dollars. It seems every time I look at my balance w fees and interest it keeps rising. I did not realize when I took out the loan that the monthly payments would be only interest and not also applied toward the principle amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: ERC
State: IA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX activated om XXXX/XXXX/XXXX and discontinued my service on XXXX/XXXX/XXXX due to bad coverage while driving over the road as a delivery driver. 
I received a final bill from them on XXXX/XXXX/XXXX for the amount of {$550.00} owed. My spouse made 12 payments toward this amount, XXXX checks and XXXX XXXX 's from our joint account totaling {$590.00} directly to XXXX. However, XXXX had sent account to a collection agency after 1st two payments had been received from us bringing our total to {$400.00} ERC then tacked on a collection fee of {$100.00} bringing total to {$500.00}, XXXX received another payment from us and forwarded it to ERC and ERC shows that {$50.00} payment deducted from the account bringing ending balance to {$450.00}. XX/XX/XXXX we made a payment of {$220.00} to ERC in order to get a VA loan for a home and needed to do this to get loan approved. ERC has failed to credit this account for the payment received and new balance should now be {$220.00} ( Please refer to Case Number XXXX response dated XXXX/XXXX/XXXX ). If XXXX reimburses me the amount of $ XXXXoverpaid to them and not credited to payment of this debt. I am willing to make this final payment of {$220.00} to ERC to finalize this account and stop collection on a debt that clearly has been paid to XXXX in full plus another {$48.00} extra. 
I would like to know why XXXX has taken the payments from us and not credited our account like a decent company should be doing? I also would like to know why ERC is also taking money received towards payment of a debt and not crediting that towards a persons account? This makes both companies look bad and may reflect a bad influence towards present and/or future clients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Enhance collection company is showing in my credit report as representatives of XXXX. This account is not mine and when I call the collection agency they ca n't found records of it. Their phone number is XXXX XXXX XXXX XXXX XXXX. Enhanced recovery. So I want a letter from this company say that I have not debts with them and remove all the damaged they have done to my credit. 




An act to amend the Federal deposit insurance act to require insured banks to maintain certain records, to require that certain transactions in USA. 

The Fair Credit Reporting Act ( FCRA ) code section 1681 along with the Fair Debts. Please respond in the XXXX days period. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Back in XXXX 2014, I filed a dispute due to inaccurate information on my credit history, in which had a negative effect on my credit history. XXXX XXXX, 2014 in response to my dispute, the credit reporting company ( Equifax ) agreed that these home addresses on my credit history were indeed incorrect and will be removed but said the public record on my credit history is mines and will not be removed. Strange because of XXXX the addresses they agreed to remove was the address of the property ( XXXX XXXX ) the same property that filed the public record ( judgement ). So Equifax, agreed that I never lived at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Tx XXXX but saying I owe money to a property that Myself and Equifax both agreed the I never lived or had any business with XXXX XXXX therefore the Public Record ( Judgment ) on my credit history does not belong to me. And I would like to have this negative and incorrect information removed from my credit history and my credit score updated as soon as possible.

Company response to consumer: Closed with non-monetary relief