BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to bring to your attention a matter of serious concern regarding what appears to be numerous, rapid attempts to correct the reporting status of late open accounts on my credit file. While I appreciate the swift action, I am deeply troubled by the frequency and speed at which these corrections are being made, as they seem disproportionate and raise questions about the accuracy of my credit report. 

I have noticed several instances where the reporting status of late open accounts on my credit report has been corrected at an unusually fast pace. While I acknowledge the importance of accurate reporting, the speed and frequency of these corrections have raised concerns about the thoroughness of the review process. 

Despite the rapid corrections, I have not received any communication from your agency seeking verification or authentication of the changes made. The absence of proper verification procedures raises questions about the accuracy and reliability of the reported information. 

I request an immediate and thorough review of the corrections made to the reporting status of late open accounts on my credit file. I seek transparency and assurance that each correction has undergone a comprehensive verification process to ensure the accuracy of the information. 

I kindly request that your agency provide me with a detailed explanation of the procedures followed in correcting the reporting status of these accounts. Additionally, I would appreciate regular updates on the progress of any ongoing investigations into these matters. 

To facilitate your review, I have attached relevant documents. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00}.

Company response to consumer: In progress
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: MA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions 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:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

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 2022-02-08
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXXXXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Extremely Time-urgent XX/XX/XXXX XXXX XXXX XXXX XXXX Chief Executive Officer Current For Immediate Resolution Dear XXXX XXXX, XXXX XXXX and Current Executive Management : Please accept this email as a time urgent request to release my account and funds, as my account has been restricted arbitrarily and these funds are time urgent to care for my ailing Service Dog, XXXX ( XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX. 

Per your request, please see the following and urgently release the hold on my account prior to contacting XXXX XXXX XXXX and local media XXXX XXXX XXXX to aid in this egregious matters urgent resolution. 

Please note that the address on my Current account is no longer current as a XXXX XXXX from XXXX XXXX, working and living in XXXX, I attempted to updated my address several times but the app would not allow such to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ). As such I am attaching other bank statements as well reflecting this address. 

Please urgently remove this restriction and contact me immediately to ensure this has been resolved, prior to all aforementioned actions. I have provided Current Bank and XXXXXXXX XXXX the following documents as of XX/XX/XXXX at XXXX PST : 1. Selfie holding current State ID with present mailing address ( as a licensed XXXX XXXX we utilize our mailing addresses and NYS DMV permits these addresses to be listed on our ID as we travel ) 2. Proof of CURRENT mailing address matching ID ( Bank statement ) - as a XXXX XXXX I do not pay utilities or phone, this is included in rent. 

3. The refund from XXXX XXXX was provided to me and my partner, for a refund of a XXXX completed previously that resulted in errors and was refunded on behalf of the XXXX XXXX XXXX. This XXXX was performed over one year ago and the card used at the time of XXXX has since been closed XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX approved this refund ( cashier XXXX XXXX ) and requested a new card to send my refund to, and I selected my Current account. Please see receipt from said refund from XX/XX/XXXX. 

Please urgently ensure the release of my funds and account restrictions, as this matter constitutes as a dire-need situation given the present needs. 

Thank you kindly in advance for your urgent assistance. 

Best, XXXX XXXX ( XXXX ) XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Recently, when I checked my credit score on my banking website, I noticed that my credit score had gone from a score of XXXX down XXXX points to XXXX. I looked at why this had happened, and I noticed that a credit inquiry was made on XX/XX/2023 from XXXX XXXXXXXX XXXX. I did not apply for this credit card. When I called XXXX XXXX, they were able to identify an application made under my name, XXXX XXXX, but they had marked it 'suspected of fraud ' and didn't proceed with the application. They sent me a letter stating that the application was fraudulent and they were withdrawing the application. I asked them how to get this off my credit report and they directed me to file an identity theft 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 non-monetary relief
Consumer complaint received 2022-11-18
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:
RE : XXXX XXXX opened on XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid XXXX XXXX XXXXXXXX ''. Please see attached bank statement. ( bottom of page XXXX ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. 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 2022-02-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My father had the same first, middle, and last name. I am the XXXX ( XXXX ). 

I can not access my credit history as the security questions to verify my identity to all 3 reporting agencies are my father 's information, not mine. I don't know his answers. All my answers result in " none of the above ''. 

I need access to remove his identity from my credit. This is a reoccurring issue that I have to deal with every year.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 am writing to bring to your attention the inaccurate information that has been reported on my credit report by TransUnion. Despite my previous communication with TransUnion on XX/XX/XXXX, they have failed to respond or rectify the errors. I kindly request your assistance in addressing these concerns and ensuring compliance with federal law. 
Below, I have outlined the details of the inaccurate information and the necessary corrections for each account : The reported information regarding this account is inaccurate, and I request the necessary correction/update on my credit report. 

These accounts were never late, and I request the removal of the late payment notation from my credit report. 


XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330000.00} ) : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} ) : These accounts do not belong to me, and I request its removal from my credit report. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$980.00} ) XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00} ) XXXX ( Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$1700.00} ) XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00} )

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 2022-02-07
Company: Spring Oaks Capital, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection company has reported to my credit that I owe them an assumed debt. That have failed to give me written notice and the right to dispute said assumed debt, I am not nor have I ever been in contact with this debt purchasing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Deleted removed items from XXXX but not the other...

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 2023-09-18
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-08
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased my XXXX XXXX XXXX in XXXX of XXXX, new XXXX miles. My vehicle has been service by XXXX XXXX XXXXXXXX since the first Oil change, granted I have a lot of miles ( XXXX ) but the reason I bought the XXXX is because of it's durabilty and I have owned many XXXX XXXX in the past. When I brought my XXXX in to be service at XXXX they change the timing belt and service my transmission. The cost was over {$2700.00} and I gladly paid it because I knew I needed the work done. approx XX/XX/XXXX my car was having trouble with the dash board, lights where going off, I called the XXXX dealer and schedule a check-up they told me the car probably needed some updates. Before I could take it in to be service the car stopped and wouldn't shift into drive, I towedthe car to nearby XXXX XXXX XXXX XXXX, the car has sat there for a little over a month, I have been in touch with Acura Customer Care, attempting to get them to give me a Good Will Credit to repair what the dealership is saying is a faulty transmission ( cost {$7900.00} ) mind I have neededa rental for the entire time my car has sat at the dealership ( {$1100.00} ) and counting. My car is finance through Acura Financial and I have paid the XXXX thousands of dollars to have my car service for over 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wellsfargo bank is not giving me a confirmation of debt. The definition of confirmation of debt is wet signature. A bill or statement is not a confirmation of debt. If you can not provide what I am asking for you need to discharge the debt. 

I, XXXX, XXXX agent to said principle XXXX XXXX Ira hereby accept all titles, rights and interests owed to principle XXXX XXXXXXXX XXXX  XXXX I hereby instruct ceo of this account to apply the principle balance to said amount each and every bill cycle ; If these instructions can not be honored please respond through postal mail giving details of non- acceptable ; if that you have accepted my offer and moving forward also apply the above instructions. 

By : XXXX, XXXX, Ira Without recourse ucc 1-308 I, : XXXX : XXXX XXXX authorized representative XXXX am sending the coupon of the account summary to Wellsfargo as payment for what I owe. I have recently learned that a coupon is a way of paying according to ucc3-104. I noticed that you have sent me these coupons and ask me to remit them with another check or money order and then you have redeemed both. That is double dipping and is illegal. 

I am potentially willing to overlook this crime as long as you accept this legal form of payment, so I am sending the payment coupon to be accepted as the payment, per ucc 3-603 ( b ) if tender of payment of an obligation to pay the tender, of payment of an obligation to pay an instrument and the tender is refused, there is discharge to the extent of the amount of the tender of the party having a right of recourse with respect to the obligation to which the tender relates.

If you reject the payment coupon or claim to have shred it, I still expect you to follow the law and discharge the debt.

Here are some definitions to clarify what I am talking about to state statues if you need a refresher.

Instrument : A written legal document such as a contract, lease, deed, will or bond. These instruments are worth their face value so the amount to be discharged will be the amount I have seton the voluchers. If you refuse to accept a negotiable instrument I will send the Irs 3949A and I have enclosed a copy of my fee schedule and I will be entitled to collect accordingly amounts listed on my fee schedule Volcher : a small printed piece of paper that entitles the holder to a discount? Or that may be exchanged for goods or services.

Sincerely and without Ill will, All rights reserved without prejudice, without recourse.

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 2023-11-19
Company: Experian Information Solutions Inc.
State: FL
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:
The inquiries listed on my credit report do not belong to me. 

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 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 2022-02-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up automatic payments for my XXXX XXXX Credit Card last year using my credit union account to make the payments. There were NO PROBLEMS until XX/XX/XXXX. I received a message from Comenity Bank indicating that there was a problem with my bank account. To be clear, my credit union account HAS NOT CHANGED nor did I change the payment method for my XXXX XXXX Credit Card. I made the mistake of thinking the issue would be easily resolved by talking to " customer care. '' I spent 15 minutes verifying my information repeatedly, including having to spell my last name 7 times for the " customer care representative. '' That was a lesson in futility, so I began contacting them through their secure messaging center. ( Please see attached correspondence. ) After getting NOWHERE, I went into my XXXXXXXX XXXX Credit Card account, removed the credit union account information and put it back in. The only difference? I added the number 4 at the end of my credit union account as it appears on my checks. I informed Comenity Bank that this may have fixed the problem ( which I did not create, by the way ) only to have been met by another lesson in futility by Comenity Bank 's " Award Winning Customer Care Team. '' So, I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. Comenity Bank sent the XXXX a canned response indicating that they would be launching an investigation and would send a letter to me within 30 days of receiving the complaint. The XXXX  closed the complaint on XX/XX/XXXX and I have yet to receive a letter from Comenity Bank. Unfortunately, I do hear from them in the way of harassing phone calls, text messages and Emails, including that they've frozen my XXXX XXXX Credit Card because I haven't paid my credit card bill, their interest charges and their late fees.

Company response to consumer: Closed with explanation