BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted this agency via mail, email, fax and the XXXX and they fail to correct their wrongs. I want to make sure i have gone through every channel in preperation for filing suit for providing false information and failing to protect my information. They list several inquiries that are not mine and i wish for them all to be removed. At this point i am not looking for nor have i been looking for any credit. All accounts on my report are reporting accurate and paid on time however the inquiries that have been made on my behalf by my ex wife is staggering. She has hacked my info on more than one occasion and re runs apps to destroy my credit rating because she was served with child support papers. TRANSUNION fails to take any action or help in any way. From what i can see all accounts look fine these bogus inquiries just need to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 I have no recollection of authorizing this credit pull and I demand this to be removed.

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 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/2020 Credit inquiry XXXX I have had lack of support during this tedious process. Contacting this bureau has been of no use and ineffective when it comes to handling these inquires. As consumer i feel very violated, Compromised and ultimately devalued.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've made payments on time to the company XXXX based on the settlement I 've made with them. The actual balance of this account is XXXX and the other credit bureaus have it updated correctly but Transunion. I 've called XXXX and they confirm they have sent 3 letters to Transunion with the updated information and after more than 30 days Transunion still refused to update my information on my credit report, this situation is affecting my credit score in a really bad way. 
I 've called Transunion several times ( more than 4 times ) and they denied that information, Transunion lied saying they have n't received those letters from XXXX, Today XX/XX/2016 I 've requested to speak to a supervisor or manager and they hang up my phone call. They also refuse to record phone calls from customers, this does n't allow customers like me to get evidence of everything is discussed to Transunion, therefore customers do n't have the way to proof anything against Transunion. 
2. I also want to report that Transunion has my name spelled and written on different ways and they refuse to fix it. I 've requested to report my name in the correct way based on my social security information but Transunion have refused to fix this issue. 
3. I 've waited for more than 60 days for my account with XXXX XXXX to be updated which cause me a really big issue with my credit score. I made the final and total payment of the settlement to XXXX XXXX in XX/XX/2016 and they sent updated information to Transunion. But Transunion updated almost 90 days after that just now on XX/XX/2016. 
4. I have a credit card with XXXX XXXX with a {$740.00} balance by today XX/XX/2016, but although I 've told Transunion my balance Transunion refused to updated it and they still report a wrong balance of {$100.00} dollars, which is affecting my credit score as well. 
5. Transunion have also placed my account under Fraud Alert and they have n't giving my a real and acceptable reason for such a procedure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am putting in a complaint against Trans Union Because since XXXX of this year I have been trying to split the merge between my twin brother and me. My brother has been a XXXX for a few years and I have recently gotten my XXXX. I have been living at my brothers house as he is the one who requested me to the XXXX. I have been calling repeatedly and trying to fix the issue where I have not been able to access my free credit report. Trans Union requested for a copy of my social security card which i sent to them already on several occasions. They claim that my file is being sent to the maintenance department and that the problem is going to be fixed yet they do not end up fixing anything. Today i called to get a follow up and once again i spoke to a representative whom this time made the situation worse and finished merging XXXX files together now me and my brother have only XXXX file. This has been an ongoing situation and I am already frustrated in trying to get this matter resolved

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft and someone else took my information and opened up accounts in my name right now there 's something on my report from a company name XXXX that I do n't even know about and this is crazy, it 's really XXXX me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Too many overdrafts account was closed. Im aware there is a private side bank account. Even if bank account is closed bank has been holding my funds. There is a XXXX fee Im entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 received a statement of account for XXXX XXXX XXXXXXXX XXXX from XXXX XXXX. 
I dispute this debt and all claims contract according to 15 USC1692g. Validation of a debt. Also the account has been closed. I rebuttal the XXXX XXXX account because I do not owe this credit card statement and this is a true bill of commerce. Also XXXX XXXX has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is reporting a payday loan from XXXX on my credit report which it has been reporting since XX/XX/XXXX. I am a resident of Pennsylvania and according to Pennsylvania law it prohibits payday lenders from charging interest rates and fees that aggregate in excess of 6 %, pursuant to Section 201 of the LIPL, 41 P.S. 201. Any unlicensed payday lender engaging in internet lending to Pennsylvania residents is not authorized by Pennsylvania law because it violates the CDCA and the LIPL. According to my credit report my amount borrowed was {$800.00} and I was due to pay {$1300.00} back which I 'm sure is well over 6 % which would make this loan illegal. I have disputed this account with Transunion numerous of times over the past 2 years and it has been verified every time. In XX/XX/XXXX I mailed my dispute in stating that this loan is illegal which made it void and unenforceable and should not be reported but Transunion would not delete the account. About 40 days later I mailed in a follow up letter to the company and CEO of the company yet this account still remains. I would like to know what type of investigation Transunion did for my dispute because according to the Fair Credit Reporting Act all information reported by a credit agency should be accurate. I understand that Transunion relies on information from the furnishers but if I notified them numerous times that this account was illegal Transunion should have reviewed its procedures to ensure accuracy. I believe that Transunion is in violation of the Fair Credit Reporting Act and I am requesting that this XXXX be deleted 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 2017-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have lived at the same address for over 20 years and use a XXXX. XXXX to receive mail. Moved to XXXX XXXX XXXX. XXXX XXXX, XXXX and use XXXX. XXXX XXXX ONLY to receive mail. Worded at XXXX XXXX XXXX from XXXX to XXXX, when became 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 2016-07-04
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX is the orginal creditor for this acccount. THIS Is THE XXXX Debt Debt Collection Agency that has reported this information on my report. They have stated this account was opened XX/XX/2016, which is incorrect. According to XXXX you can not place this on my report when the statue of limitations have passed, by reinsert.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a mobile home in XXXX. Made every payment, never late, and in XXXX paid it off. Green Tree claimed I owed for insurance they had placed on the home previously. I kept homeowners insurance on the property the entire time, for the value of the home as per the contract. Green Tree said I had to have insurance to cover the loan amount, but the contract did not say that. I refused to pay, and later that year they repossessed the home. I contacted Green Tree and requested to know how much they sold the home for, and they refused to provide any information. This was the last contact I had with Green Tree. In XXXX, I found out Green Tree had contacted my father. In XXXX I was XXXX XXXX XXXX with limited credit, so my father co-signed for the note. My father had his own loan with Green Tree, and I found out they contacted my father demanding payment of {$1500.00}. or they would call his current note due. My father paid {$1500.00}. to settle the claim without my knowledge. 
On XXXX XXXX, XXXX I received a XXXX from Green Tree, now doing business as DITECH Financial, claiming they discharged {$5700.00} of debt I owed. I contacted them at the number listed on the form. 
The automated system requested my account number, so I provided the one on the XXXX. It said the number does not match any acct. 
It then asked for my SS #, which I provided. It said No Acct exist for this number. Finally I spoke with a representative. She could not provide any information other than to say I must have owed money sometime a long time ago on a mobile home. I claimed I owed nothing a and requested that she verify the debt, and she said those records do n't exist any more. I told her that was n't acceptable, that I did not owe anything to Green Tree, and unless she can provide me proof I wanted this XXXX corrected. She told me I must have owed money from a long time ago, and they decided to write it off on XXXX, so she refused to do anything. Once again I requested some proof I owed Green Tree anything, to which I was told the account and those records do n't exist anymore. 
How can a company, without proof or documentation randomly place an XXXX burden on me with a XXXX for any amount they make up? I 'm guessing Green Tree does this, and then claims the deduction on their Federal Taxes, so would n't this be Tax Fraud? Even though they have n't tried collecting this amount from me, by filing the XXXX they have placed the debt on me unfairly, causing me to now owe the XXXX portion of this undocumented debt. 
I think Green Tree is guilty of criminal activity, and ask that a formal investigation be undertaken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit score for Transunion has changed by almost XXXX pointsd and I have paid all accounts on time with no closing of any accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: Nelnet, 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:
The credit reporting agencies have refused to comply with laws set forth by the FCRA. The agencies are not doing a complete investigation into the obvious problems in question disputed by me the consumer. They willfully continue to furnish incorrect student loan information reported by Nelnet on my credit report. Such false information being furnished has caused me to lose out on countless opportunities to advance myself and my children to the next level. The agencies are furnishing transactions and experiences that the credit agencies never got my written approval to furnish. Nelnet has been reporting my account incorrectly as open and it has been closed and transferred to a new servicer. They are also reporting experiences and transactions in the form of inaccurate late payments. Please delete this entire account from my credit file. I have never authorized credit agencies to furnish any of my personal transactions with Nelnet.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction.15 U.S.C 1681 section 602 A. states I have the right to privacy. If the situation is not remedied I will be filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, 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:
On XX/XX/22 I requested that EQUIFAX complete an investigation in regards to a charge in the amount of {$3800.00} for XXXX XXXX on my credit report requesting that it be deleted. I provided a letter, pictures and emails about an apartment I had rented from XXXX XXXX that showed a severe rat infestation. EQUIFAX completed their investigation on XX/XX/22 and refuses to delete the incorrect information from my credit bureau. However I submitted the same request to XXXX they also investigated and removed the amount {$3800.00} from my credit bureau. I dont believe EQUIFAX investigated the issue at all. I am requesting since XXXX removed it that it also be removed from EQUIFAX. I have attached a copy of the completed XXXX investigation verifying that the XXXX XXXX collection has been deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX I attempted to re-access my " XXXX XXXX '' account, and received a statement via email : " Your XXXX XXXX account has been closed and can no longer send or receive payments.

Reasons for this decision may include your account history, transaction disputes, or other violations of the XXXX Terms of Service. 

We can not provide further details regarding our decision, which is final. We are unable to reactivate the account. '' In XXXX XXXX I received similar cancellations from PayPal and had several XXXX XXXX " frozen '' for 90 days, then never returned to me. I've contacted PayPal several times to try to resolve this, but never get anything except for form letters in response and " there's no further information ''. 

In the Fall of XXXX, I had my Venmo account frozen with a similar result, only I was able to withdraw all outstanding funds. 

I have NOT conducted any business that is in violation of the terms of service for any of these organizations. There is no information given as to WHY my accounts were frozen/locked/canceled, and I have no recourse to reopen new accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After signing up for automatic payments with Ditech they coded several payments as principle only and did not apply them to our bill and now they are trying to charge us for late fees. I have called the company three times and they told me it is not my fault and they will take care of it but I just received a letter informing me they are trying to collect a debt. I do not owe them anything as all my payments were made on time through their automatic payment plan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I received a letter from this company stating that I owed an alleged debt. The company also notated in the initial notice that I had until XX/XX/2022 to dispute all or part of the debt. As of XX/XX/2022 this company has reported the debt to all major three credit bureaus dropping my XXXX XXXX over XXXX points without validating the debt Within the allowed time frame. I spoke with an agent on XX/XX/2022 and requested that this company cease all communication tactics and I requested A signature bearing contract with the company that is reporting the alleged debt on my credit report NOT the creditor that the collector bought the debt from. This is clearly fraud, negligence, and identity theft. I have never done business with this company, and I have never given any authorization for my Social Security number to be used for any purposes. This is clearly a violation of my consumer rights per 15 USC 1692c. Once again, I want to reiterate that this company is in direct violation of the Fair Credit Reporting Act and Fair Debit Collection Practices Act. I do intend on Looking into litigation due to the violation of my consumer rights, and I also plan on suing this company for defamation, negligence, identity theft, and a violation of my consumer rights under the Fair Credit Reporting Act and Fair Debit Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This company continues to report an auto loan that was included in a bankruptcy almost six years ago. They are currently reporting 120+ day late payments. There are several inaccuracies also being reported and I need the account removed from my credit reports immediately. The date the account went delinquent is also incorrect. They have it reported as XXXX. This account was due to be removed from my report this year but then they changed to date and continue to report late payments. They have continued to report false information. This is a predatory lender with several claims and lawsuits already filed against them. They must be stopped from doing this to people.

Company response to consumer: Closed with explanation