BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently reached out to all three credit bureaus about the incorrect reportings of hard inquiries on my credit report. the inquiries were for an auto loan. The credit bureaus informed me that I had to reach out to the banks. Yet the banks said that I had to contact XXXX, transunion and XXXX to resolve the issue. 

The reportings are : XXXX XX/XX/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 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 explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX 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 2023-05-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Late payment on XXXX XXXXXXXX XXXX XXXXXXXX never been late on a payment account identity theft when the account was late I called XXXX XXXXXXXX XXXX when the identity theft happened and wrote a statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 2016-09-30
Company: West Bay Acquisitions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I checked my credit report and in collections there is a company ive never heard of called West Bay Acuqisition which I looked up and they said its a scam collection. It says it was XXXX XXXX 2015 which I do not recall any charges for XXXX dollars. I want this off of my credit report or something that shows me that I did make a purchase.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 non-monetary relief
Consumer complaint received 2022-11-15
Company: Avant Holding Company, Inc.
State: TN
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:
I was approved for a credit card on or about XXXX for a credit card with a XXXX $ limit. I submitted my consumer credit application signed all necessary documents given and signed and submitted my promissory note for acceptance. Avant accepted my application and note issued a line of credit and also ran my credit for a hard inquiry. Within a week i get an email promoting me to give a call to a representative for no exclaimed reason. A few days later i get another email that headers notice of adverse action. in this letter it explains if i wanted an explanation as to why the account was adversely affected i would have to call in for an explanation. On XXXX I called into customer service for an explanation the representative explained she couldn't tell me why the card was blocked and that i would still have a hard inquiry on my credit report. This lowers my appeal to new lenders and affects my ability to get new credit. I was never given reason as to why my credit line was blocked/ or adversely affected. That is a violation under 1681b ( 3 ) ( f ) ( i ) permissible purpose for procuring a credit report with no equity. this transaction wasn't equitable to me the consumer. 12cfr 1002.4 i was also discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This fraudulent company called XXXX is illegally reporting on my credit reports. I've reached out to them about this account numerous of times asking for the signed lease documentation and have received nothing. I reached out to the supposed apartment complex who says I co-signed on a lease in XXXX GA. I have never lived in XXXX GA nor have I signed a lease. They claimed during the pandemic I vacated my lease. I've never been in XXXX and nor do I know anyone in XXXX. I am taking legal action against this debt collector who has given me different stories many of times. This collector had the wrong social security number and when they called me I gave them my correct social and they claimed it was an error and then they started reporting on my credit. I gave them my social to prove it wasn't me and not for them to add the debt to my report. I've lived at my texas address for almost 8 years now and my credit report shows exactly that. This is not a case of stolen identity this is a case of this debt collection agency putting the bad debt on my name because someone has my exact same name. I've dealt with this issue before with another debt and they were able to find the correct person. When I called XXXX they told me to pay 30 % of the debt and they'll remove it and I don't see why I need to pay anything because it's not mine and the opportunities I am missing due this on my report is great.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 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 2023-06-20
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: Reporting company used your report improperly

Complaint:
Transunion is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to XXXX to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Transunion to provide the documentation used to determine inquiry was indeed authorized by the consumer, Transunion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if Transunion does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. Transunion Commission file number XXXX Trans Union LLC XXXX XXXX Guarantors, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX lead arrangers and joint bookrunners, XXXX XXXX  XXXX New York XXXX XXXX XXXX administrative agent and collateral agent, and each of the other Lenders party thereto. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX Bank XXXX XXXX XXXX New York New York XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Va XXXX i will be filing form XXXX treasury XXXX forms to audit consumers account. 
Transunion is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 2023-01-13
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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not open these accounts and I strongly suspect that they are fraudulent.

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 2021-04-13
Company: EQUIFAX, INC.
State: NC
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:
Im submitting this complaint against Experian, Equifax, and Transunion due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document that are unknown to me and I am not agree with this. Based on FCRA, Section 605b, It is the responsibility of the Credit Bureaus to remove those informations which do not belongs to the owner. The following items are such an error in my file that needs to be remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; Dept Of XXXX XXXX Balance {$1900.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$1900.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} 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 2022-11-15
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress caused on me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX a wire transfer was made by me to Bank of America as a refund for a supposedly mistake made in a deposit to my bank account. This occured when I saw a false bill on my XXXX account. I called XXXX after I sign into my account. They switched me to fraud and I was transferred to a man who was going to fix it. He sent me a form to fill out on my computer. I put the amount of {$500.00} and their side showed it as being a {$50000.00} refund to me by mistake. It showed in my checking account for a day and while it was there they asked me to transfer the money back in XXXX payments ( first payment was {$39000.00} ) so it would not be handle as a business payment that would have been subject to federal taxes. Now keep in mind I was transferred to this person while I was on the phone with XXXX and yes it was the correct phone number. The money was transferred to an account at Bank of America at XXXX XXXX XXXX, XXXX XXXX CA. Name on account was XXXX XXXX account # XXXX Routing Number XXXX. After I transfer the money their deposit no longer showed on my statement and the money was taken from my personal funds. So I lost {$39000.00}. This was on a Friday, when I saw their money was no longer in my account and I was out {$39000.00} out of my account I called my bank and had them report as wire fraud. So I got a letter from my bank that Bank of America sent saying the following : Greetings, Thank you for contacting the Bank of America XXXX XXXX XXXX. Your claim number is as follows XXXX is in process of actively being worked by assigned analyst. A claim such as this can take up to XXXX business days to resolve., however, there may be circumstances which may cause the resolution time to be longer. We are working hard to get your claim resolved as soon as possible. 
Regards, Bank of America XXXX XXXX XXXX XXXX Bank of America : Proprietary and confidential. 

Please Do Not Reply-This is a System Generated My bank has tried calling I have tried calling and you can never get through to anyone. I am frustrated in the fact I can not get any resolve on this issue or information on this. As far as XXXX switching me to there fraud dept I can't get any resolve there either.

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 2023-01-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i am writing to request your assistance in obtaining why XXXX is refusing to return funds they ( XXXX ) have blocked from my Wells Fargo accounts. XXXX has unfairly deemed that I knowingly particapited in a XXXX person fraud. As stated in all my statements, i was a victim of a cloned phone showing the XXXX callback logo and account take over ( XXXX ) on XX/XX/2022. On XX/XX/2022, I moved funds from XXXX to Wells Fargo for safe keeping until XXXX could guarantee the account ( s ) was safe from fraudulent activity. 
I have attempted on multiple occasions to inform XXXX that Wells Fargo has locked funds that i transferred from XXXX. The XXXX XXXX have repeatedly told me that XXXX does not contact third party banks. I presented this information to Wells Fargo and Wells Fargo informed me that XXXX contacted them ( Wells Fargo ) on XX/XX/2022 via phone and via letter on XX/XX/2022 to lock my Wells Fargo accounts. As of today, Wells Fargo told me that a XXXX representative XXXX ( XXXX ) XXXX XXXX contacted them ( Wells Fargo ) informing them not to release the funds to me. NOTE : I was contacted via phone by a so called Wells Fargo Fraud Dept with an XXXX accent with a XXXX  number. 
XXXX is no longer suffering a financial lose after the movement of the {$5000.00} USD to Wells Fargo. As noted on the XXXX attachment, my bi monthly salary deposit covered the lose caused my the returned {$5000.00} USD draft that I had no knowledge of until after the draft was completed. 
I am begging that Wells Fargo and XXXX can come to realization that the money that is being held by Wells Fargo by request of XXXX is in fact my money not money manufactured by the fraud. Additionally, I have requested multiple times that XXXX fraud contact me thus far XXXX fraud has not contacted me now provided a number to contact 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 explanation
Consumer complaint received 2023-06-27
Company: TD BANK US HOLDING COMPANY
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 have mailed out notices to the company and they disregard ignore and continue sending these fraud billing statements. notices sent on XXXX XXXX and XX/XX/202XXXX XXXX

Company response to consumer: Closed with non-monetary relief