BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 




XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( ChargeOff ) Alert from : XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( ChargeOff ) Alert from : XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX DelinquentAccount XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Business Loan Inquiry Alert from : XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX  ( 120 Days Delinquent ) Alert from : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Grid Code 4 ( 120 Days Delinquent ) Alert from : XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed by XXXX XXXX XXXX from : XXXX XX/XX/2022 XXXX XXXX XXXX - XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX - XXXX XX/XX/2022 XXXX XXXX XXXX  - XXXX XX/XX/202XXXX XXXX XXXX XXXX - DelinquentAccount XXXX XXXX XXXX XXXX XXXX Revolving ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, XXXX XXXXXXXXXXXX XXXX XXXX, XXXX Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1600.00} {$1600.00} {$1600.00} Credit Limit {$1100.00} {$1100.00} {$1100.00} Credit Utilization 145 % 145 % 145 %

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 2020-06-16
Company: EQUIFAX, 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 have accounts on my Equifax credit report that have been opened due to identity theft fraud and i did not authorize these companies to open these accounts. I have submitted the police report with the names of all the fraudulent accounts over to Equifax numerous times and by law they are supposed to block these accounts within 5 business days. The accounts are listed below 1. XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a XXXX of XXXX XXXX XXXX Co XXXX We applied and received a paycheck protection loan on XX/XX/2020. The paycheck protection loan disclosure asked to voluntary disclose XXXX, Gender which is Male or Female not in line with gender identity, Race and Ethnicity. Does not ask about XXXX XXXX. I believe this is a violation of XXXX XXXX and upheld supreme court decision on XXXX U.S.C. XXXX. 

I am openly XXXX and an owner of this loan that was originated. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, XXXX  Account XXXX for XXXX 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 2 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. 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 against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: CA
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 CREDIT REPORTING ACT. XXXX, XXXX and Equifax have all violated my federally protected consumer right to privacy and confidentiality by publishing Information to my credit profile without my written consent. As a consumer I am protected from this types of high tech identity theft under 15 USC 1681. The accounts that are illegally on my credit profile are : XXXX XXXX XXXX address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Illinois XXXX phone number ( XXXX ) XXXX Account number XXXX update a XX/XX/XXXX in the amount of {$26000.00}. XXXX XXXX XXXX account number XXXX open XX/XX/XXXX amount mount {$220.00}. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX SC XXXX phone number XXXX XXXX XXXX XXXX XXXX Account number XXXX open XX/XX/XXXX in the amount of {$160.00}. XXXX XXXX Account number XXXX date open XX/XX/XXXX amounts {$470.00}. XXXX XXXX account number XXXX open XX/XX/XXXX amount {$100.00}. The XXXX XXXX XXXX account and the 96 inquiries. XXXX, XXXX and Equifax Have all committed fraud and violated my rights under 15 USC 1681 604a.Section 2. It'states that consumer reporting agencies can not furnish a account without my written instructions. I have not provided my written instructions with my wet signature to XXXX XXXX and Equifax. They are also in violation of section 15 USC 1681c. ( A ) ( 5 ) Section states no customer reporting agency may make any consumer report containing any of the following items of information. Any other ADVERSE item of information other than records of convictions of crimes which antedates the report by more than seven years. I have not been convicted of a crime at all. So not only have my rights been violated under these sections, but also I have the right to privacy under sections 15 USC 1681 Section 602a.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: LEXISNEXIS
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/ I was first offered a loan for my company for {$100000.00} by XXXX. XXXX uses XXXX for identity verification, and I was sent a contract that used the XXXX identity verification. However, it was quickly determined that my social security number was crossed with someone else 's social security number. Therefore, I could not get the loan because my identity could not be verified. I spoke to XXXX on numerous occasions, and they resent the documents at lease 20 times. However, nothing ever happened because the information is still wrong in XXXX 's system. I sent my drivers license and utility bill ; however, no help. I spoke to XXXX on numerous occasions and was told that they are pulling my social security number and information associated with it from LexisNexis. I told them their information regarding my SSN was wrong, however, I was not given any help whatsoever other than being told that there's nothing they can do even though they know my SSN is wrong in their system. I also spoke to LexisNexis regarding this problem. I sent my drivers license and utility bill ; however, their system has not been updated and I have been denied {$100000.00} loan for my business over 20 times because of this issue. 

I have tried numerous times to get both XXXX and LexisNexis to correct their databases pertaining to my social security number. However, I have received no response as to how they will correct the issue they have caused with no regard for how it has negatively affected my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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:
I have a loan with XXXX XXXX XXXX contacting. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the Experian and XXXX Credit Bureaus and the XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2022-11-30
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. 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 against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The following companies have appeared on my credit report without me having filed for them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 XXXX XXXX. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
During this disputing process, reporting agencies has failed to comply with 15 USC 1681a and 15 USC 1681b by not maintaining the proper response times and actions to all disputes.

After their proposed verification of these fraudulent accounts that has been disputed as not mine came back as verified. We demanded a validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) where under federal law, all accounts had to be provided with PHYSICAL proof of the original consumer contract with my wet signature on it. That has not yet been provided following our letter on XX/XX/2023. 
I want to be clear I am not claiming these accounts as my own because they are not. I am not requesting to update these fraudulent accounts. Since they are pinning these fraudulent accounts as mine, they are required to VALIDATE these accounts outlined in 15 USC 1692g Sec 809 ( b ) of the Fair Debt Collection Practices Act. Currently, the bureaus are reporting items that I have not given written consent to report. In fact, the items highlighted violate my rights under 15 USC 1666, 15 USC 1681 B, and 15 USC 1681 a-2. In fact, your comment claims you have shared my information and charged it off to a collection agency without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-10-30
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting 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:
Hello I am looking at my credit report and these are the astronomical amount of inquiries I, XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, CT did not authorize. I do not recognize these companies at all and I need all of these removed from my report. It has been hindering my ability to live a normal life and extend my credit to companies. There are too many for me to type so I attached 4 images. Please help me I have no open accounts with any of these corporations. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 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 non-monetary relief
Consumer complaint received 2019-10-15
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
NOTE : This problem is actually related to a conventional mortgage application/transaction ( not to a credit report ) - but the system would not let me go forward because I did not have either loan or account numbers ( I terminated the process before that point ). So I have checked other boxes in order to submit this complaint as follows. ) I contacted Quicken Loans in XX/XX/XXXX to inquire about a conventional mortgage and determine current lending rates. " XXXX '' took some basic information from me and gave me preliminary interest rate information. Within a day or two and after two phone calls, I informed him by phone and email I did not want to proceed. From that point forward over a period of two weeks, he continued to phone and email despite my repeated and clear statements to STOP and finally explanation should he continue to harass me intent to complain to the regulators. He did not stop. I further asked him to remove my information from Quicken 's files and cease all further emails. He stated in an email that had been done ( it was not ). then on XX/XX/XXXX in the mail, I received an entire " Intent To Proceed '' loan package from Quicken. 
This constitutes harassment and predatory lending practices. It must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act, * TRANSUNION, XXXX AND XXXX have violated my consumer rights. 
15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 
15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
I have never given prior consent or have any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, for I have never once consented to any such terms of agreement. Please provide the signed contract validating each and every one of the unauthorized inquiries. 
If no documentation bearing my wet signature can be presented with your response as verifiable proof, Than i insist you remove all unauthorized inquiries. 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 2023-09-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX, Account # XXXX has violated my rights. 
i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation