BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My gas service company, XXXX XXXX terminated my service regardless of my ontime payments. My communication with them led to no reconnection. The account was paid off. They even issued overpayment refund. They are reporting 90 day late payment on Transunion and my dispute with both parties yields the same negative information reported over and over again.

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 2017-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TransUnion has failed to provide requested information regarding a Bankruptcy # XXXX listed on my credit report. I requested verification on who reported this Bankruptcy and have not received the requested information to date. It has been more than 30 days.

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 2022-10-20
Company: Experian Information Solutions Inc.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is charging me internet rate on the balance that I do not owe! Per the contract I treat can not accrue until after two years. They are consistently reporting to the credit bureau that Im a delinquent on my past due balance in which I should not have a Balance with SYNCB/ROOMS TO GO. I was supposed to receive a credit to my account since when they delivered my box spring it was damage by the movers. My boxspring that I never was reimbursed for it is documented in their system because I have called them several times about the situation, and when it happened I do not owe a balance to them.

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 monetary relief
Consumer complaint received 2016-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
All XXXX Credit Reporting agencies allowed XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX General Number ( XXXX ) XXXX Consumer Service Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX to make an inquiry on my credit report without my permission. I also have Fraud Alerts on my Credit reports to further protect myself. A request was made by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX, without my permission when they approached me about an Interest Reduction loan. I told them I would ask my wife about it. They requested a copy of my last mortgage statement so they could estimate what they could do for me. At no time was I asked for, nor did I give, permission to have them run a credit report on me. I contacted XXXX today and the representative, XXXX, stated that they are not required to verify identity unless it is a security freeze. I know for a fact that they charge a {$35.00} fee to run a report so they have something to gain by not following the guidelines. i.e., : fraud alert indicates to anyone requesting your credit file that you suspect you are a victim of fraud. When you or someone else attempts to open a credit account in your name, increase the credit limit on an existing account, or obtain a new card on an existing account, the creditor should take steps to verify that you have authorized the request. If the creditor can not verify this, the request should not be satisfied.

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 2015-12-16
Company: Paypal Holdings, Inc
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
PayPal Credit is charging me late fees and deferred interest charging and not properly processing my payments. I send two payments in for {$1000.00} and {$45.00} on XXXX XXXX, 2015. Today I was informed that my payments were not processed and I have been assessed {$100.00} in interest and {$35.00} late fee. My bill is not going down and I keep getting hit with late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My FICO score had been rising steadily over the last two years due to my being quite responsible with the utilization of credit and immediately paying my credit card balance in full every month. A few months ago, my credit card company increased my credit limit. They did this WITHOUT asking me or getting my permission. Now because the ratio of my credit usage vs available credit has changed, the bureaus tanked my FICO by XXXX points! In other words, I 'm NOT in debt. I pay my balance in full and on time, but because my monthly charges are now 5 % usage ( vs 7 % ) against available credit, I get punished with a drop in my FICO? This is proof that the credit bureaus need to be investigated and sued. What they are doing is damaging to people NOT in debt. It 's almost as if they rather we accumulate massive debt, which makes no sense. PLEASE do something about this. Obviously their algorithm is broken.

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 2015-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I start making payments to XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX on time for the amount of {$100.00} a month, and XXXX XXXX they said that already report all payments on time but is not in my credit report I want Transunion credit bureau to credit my report pay as agreed for all payments I have made on time to XXXX XXXX.This account was charge off by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a debt with XXXX. over 7 years past, the debt was charged off. 
however, XXXX continues to report to credit bureau. 
I checked to make sure the account is not listed in public records,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1. XXXX ( over 7 years ) 2. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 3. XXXX ( i believe we first became late of 7 yrs ago ) 4. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 5. XXXX ( i was first late over 7 years ago ) ( very sure ) 6. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

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 2016-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed with Transunion to immediately remove and delete negatives collections on my credit reports and Remove and Delete the " Fraud Alert '' .Also Transunion are allowing unauthorize collections and many unauthorized hard inquiries and inquiries. 
Transunion and credit debtors collections can not attempt to collect any debts collections because l am on XXXX XXXX XXXX and Retired. 
Transunion is allowing collections and credit companies report collections on my Transunion credit report and also allowing collection and credit companies pull my credit without my written consent. 
Transunion.XXXX and XXXX are violating my XXXX XXXX Act Civil Rights Laws. 
On my Transunion there is over XXXX or more unauthorized hard pulls inquiries and inquiries that is affecting my credit scores. 
Also Transunion needs to remove and permanent Delete a Fraud alert on my credit Report immediately. 
I have requested by phone conversations from my cell phone number XXXX and Transunion Rep stated they remove it but when l checked my credit online, the Fraud Alert is still on my Transunion XXXX and XXXX. 
I requested written confirmation by emai and regular Postal Post office mail and l still have n't receive Fraud Alert deletions from my credit report. 
I am a Military Veteran. 
This is a Urgent Matters. 
My credit scores are suffering because Transunion XXXX and XXXX are allowing unauthorized hard inquiries and inquiries and collections on my credit reports. 
As of XX/XX/2016 my Credit scores with Transunion.XXXX and XXXX is around the XXXX mark. 
Consumer Financial Protection Agency can pull my credit and view all the issues on my credit reports with Transunion XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Family with similar names and SS that only changes by XXXX digits. I 've requested and submitted proof of legal name and SS card and letters to get my credit straight of the past 10 yrs. They just do a quick fix but in less than 3-6 months go back to square XXXX. It 's affecting me in job interviews, Car loan, mortgage loans and Credit card apps. Do to this commingled info I have to pay Higher IRR and I have a debt ratio so high that I ca n't afford to pay for loans in a fair market.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On my credit report there is several companies that was listed on my credit report and was disputed because the account did not belong to me. The Companies could not provide information because they were not mines and they was deleted, but they reappeared on my credit report again and the companies are listed as : XXXX for {$900.00}, XXXX for {$520.00}, XXXX for {$600.00}, XXXX for {$55.00}, and XXXX for {$30.00}. These accounts do not belongs to me and they could not validate the debt and after it was removed the first time it was sold to another company and placed back on my credit report for all three bureaus. Please remove from my credit report

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 2016-01-04
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 disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Rewards

Complaint:
We signed up for Chase Visa through Southwest Airlines for a special promotion of XXXX reward points if you spend a certain amount of money over 3 months. the problem is they decided now that we signed up for a promotion that only gives you XXXX reward points. they do n't have a record to what you signed up for and never sent us an email stating what reward program we signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Jefferson Capital is showing up on my credit report. I contacted them and they told me another company ( diversified ) who they outsource has my account and they can not help me. I called the company they stated and reached a settlement of XXXX and something dollars. I paid half and was suppose to call back in 2 weeks and pay the remainder. So I did. Once I spoke to them they told, me they didnt have my account anymore and that it went to a different company which Jefferson capital also outsources and now this new company wants to charge me the full amount which im not even to sure its mine! I paid diversified and I dont even think my money was put towards the money indicated i owed. Why did i pay? Because I was trying to fix my credit and just wanted it to be over

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, we requested a forbearance. In XX/XX/XXXX, we started paperwork to reinstate our loan. We were denied a loan modification but received paperwork for a Partial Claim. We returned the paperwork, signed and notarized, by XXXX XXXX XXXX was received and signed for 2 days before the due date. Approximately 45 days later, we had not received notification regarding the claim. The phone rep told us they did not have the claim in their system and we were denied. I emailed a copy of the original document which was XXXX XXXX XXXXXXXX and a copy of the proof of receipt from XXXX XXXX with the signers name and time of delivery. We've called XXXX times per month since XXXX. None of the reps have been able to give us a straight answer, and can only take payments and " put notes in the system ''. They can not transfer us to a manager or someone who can help us fix this situation. We have made our regular mortgage payments since XXXX, but they are not going toward our mortgage, they are sitting in an unapplied funds account. We've called and emailed numerous times, but haven't been given any options as to how we can get our loan back on track or how we can re-submit our Partial Claim paperwork. We're just sitting in limbo with no one to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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:
I tried to apply for a loan and on my credit report it said I had another strong inquiry XXXX XXXX Bank

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 2017-03-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I can not get my payment low enough to be realistic no matter what type of repayment plan i select. I make just about XXXX a year and when I choose income driven plan they are expecting me to pay ~XXXX a month. This doesnt factor in my other types of loans. After taxes i take home about XXXX a month .. XXXX goes to rent. XXXX to car payment. XXXX to car insurance. Then I have to add in healthcare cost, utilities and just simply being able to FEED myself Ive bene struggling with these loans since I first graduated and no matter what I do they come back with some outrageous number they want me to pay a month that I simply can not afford. Their response to this is to suggest deferment .. which only ends up increasing the loan balance. They 've already wreaked havok on my credit score. I just really do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I attempted to get my Transunion, XXXX, and XXXX credit scores. I logged into what I thought was the Transunion site with the understanding that I am entitled to XXXX free report per year from those XXXX entities per federal law. The website asked me for credit card information, which I thought I was providing so it could locate my accounts. It charged me {$1.00}, without taking me through a checkout page. 

When I arrived on the page that supposedly described my credit score, the information was all wrong. It said I owed over XXXX dollars. I owe, at most at any given time, XXXX on credit cards. Additionally, it listed me as having XXXX active accounts. This is also untrue, I would estimate that I have XXXX active accounts, not including my XXXX XXXX monthly bill. It also said XXXX of my accounts is delinquent. This is also false, I am paid up on ALL of my credit cards, and I always pay timely. I had XXXX dispute over a year ago with XXXX XXXX when they stopped sending me my bill for a couple months, and I had to call them three times to get my bill sent so I could pay it. I reported them to the CFPB as well. 

Additionally, once I got on the page of the so called Transunion site that had my supposed score, it had a new heading with some company called " XXXX ''. I never intended to give this company my credit card information. 

The Transunion site does not list my employer whom I have been working for these past two and a half years. It lists me as self employed. It also lists me as having a {$1600.00} balance with something called " XXXX XXXX ''. I have never heard of this entity, I have never been contacted by it, and I do not owe that money. I never signed anything with such an organization or made any agreement. I want this debt removed from my credit report and the rest of my information corrected. 

I then attempted to get my XXXX report and the website told me I had already pulled my XXXX report in the past year, which is untrue and raises identity theft concerns. Moreover, it then told me I could get it for {$12.00} ( Illegal under federal law as I have not pulled that credit report since 2012 ) and prompted me to a commercial website, XXXX. 

Finally, I am listed on the Transunion site as having a XXXX- credit score, in the low XXXX by their system. This just seems improbable. I pay all my debts on time, I have no student loans, I have a steady career where I make {$42000.00} per year, I pay my rent on time, I have never been taken into collections nor have I ever been sued on a debt. This number is bogus and unfair. I want my credit score to reflect that I pay my bills on time and I pay them off.

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 2015-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I write Transunion in XXXX and tell them no dispute for XXXX accounts XXXX and XXXX. But my mortgage person tell me they still in dispute. I NO DISPUTE. Please change this!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief