BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello I have sent out letters trying to dispute a number of inquiries on my credit report that I did not give my consent to and they are unauthorized, completely fraudulent. I have attempted to contact each creditor to get answers and they tell me they will investigate and take care of it. No one ever gives me a direct answer any more just to contact the credit bureaus. I called the credit bureaus a number of times to inform them of my issue and concern and they told me to contact the creditor and i did. I have sent a number of letters to the credit bureau as well and still no response. This is my last hope of getting this situation rectified. I even sent in ftc reports on a 2 different occasions. I sent letters out on XX/XX/23 and XX/XX/23. I am tired of being a victim of this flawed system This is completely unjust and no one is doing anything about it. I need you guys assistance on the matter please please please.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states, I have a right to privacy :15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b. A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

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 2023-06-03
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This all took place in just the past two weeks. I got a DM on XXXX on XX/XX/XXXX from this art account ( XXXX ). She asked if she could paint a picture of me and I was like " Sure! ". It was super convincing. So she was like I'll send you a check for {$2000.00} but you get {$500.00} and send it like the company I work for the rest. So on XX/XX/XXXX, I asked her some questions just to like to make sure that this was safe and she reassured me that it was she emailed me a check for {$1500.00} and I deposited it. I was convinced that this was safe. So I deposit it none of my finance apps were working to send her " higher ups '' the money on XX/XX/XXXX. Burt today XX/XX/XXXX I thought we could try to XXXX XXXX and that worked today XX/XX/XXXX I get an email from my bank ( wells fargo ) saying that they are closing my account because of a suspected altered check. So I just don't know how to move further and I remember seeing this video for the CFPB. So now here we are and I just don't know how to proceed. So now I'm going down this spiral of what to do.

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 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In 2015 my father suffered a debilitating illness and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts withXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I request the immediateBLOCKof all identified information stated in my CFPB and FTC report. FCRA605B ( 15 USC. 1681c-2 ) a.BLOCK, states that " except as otherwise provided in this section, a consumer reporting agency shallblockthe reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency of- 1.proof of consumer identity ( see attachment ) 2.copy of identity report ( see attachment ) 3. identification of such information by consumer ( stated in CFPB & FTC report attached ) 4. A statement by the consumer ( stated in CFPB & FTC report attached )

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 2023-02-20
Company: Experian Information Solutions Inc.
State: NC
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:
Experian report # XXXX is reporting the following 24 addresses fraudulent. 
XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # 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 2022-08-14
Company: Comerica
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
i reported fraud and was told i had 10 days to return the filing paperwork, i did not recieve the paperwork until after the 10 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04
Company: ALLY FINANCIAL INC.
State: TN
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:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have r permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C 16186 ( 0 ) 3 ( 000. Chesterv. Purvis, 260 F. sup 28711 ( S.D Ind.2003 )

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 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Late Payment for XXXX  XXXX on XX/XX/2020 XXXX XXXX Reported a Late Payment on a Credit Card I have with them. The late payment came from an annual fee on my XXXX XXXX XXXX XXXX. Because I don't use the card and keep an empty balance, I had forgotten about the late fee I paid the late annual fee including the late fee and had asked them to delete the late payment from my credit report since the late fee didn't come from having a balance. And they said they could not do so. 

Since then, the late payment had severely hurt my credit report. Despite having flawless payment history otherwise

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 2023-10-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a complaint ( XXXX ) that was closed and I was informed that there was nothing left to do as my complaint was sent to that AG for review. 

I haven't heard anything yet, but I thought I should include some of the issues with the " Lender 's '' response and documentation therein. 

Been asking over and over about licenses for drafter and branch, and they send a response with no unique identifiers present. 

Asked for proof of this alleged {$40000.00} past due balance... they send an altered transaction sheet, and even it shows that those alleged charges are posting to the account are not charges against it. 

No rights and disclaimer. Most specifically my right to rescind. 

Authentication issues with any MERS loan are well noted. I've asked them over and over how they can even try to assert legal rights to enforce this debt on those ground and nothing. Requested proof that they've obtained this instrument in due course and nothing? 

How much nothing before this company is in dishonor. 

I've taken the initiative to pay my insurance for the year to see if this company was capable of refunding something, but in pure XXXX fashion, not only have I been charged again for insurance ( or at least what's said to be ). There's justification for no change in the escrow projection. 

Threw in an escrow analysis document so that you can see the immediate payment for insurance. Misapplied funds. Created shortages. Obviously more fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: NY
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:
Hello I have sent out letters trying to dispute a number of inquiries on my credit report that I did not give my consent to and they are unauthorized, completely fraudulent. I have attempted to contact each creditor to get answers and they tell me they will investigate and take care of it. No one ever gives me a direct answer any more just to contact the credit bureaus. I called the credit bureaus a number of times to inform them of my issue and concern and they told me to contact the creditor and i did. I have sent a number of letters to the credit bureau as well and still no response. This is my last hope of getting this situation rectified. I even sent in ftc reports on a 2 different occasions. I sent letters out on XX/XX/23 and XX/XX/23. I am tired of being a victim of this flawed system This is completely unjust and no one is doing anything about it. I need you guys assistance on the matter please please please.

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 2022-02-02
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please address my attached letters that were sent to your company that were sent to your company 14 days ago via mail and experian upload!

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 2018-04-27
Company: Bridgecrest Acceptance Corporation
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: Account information incorrect

Complaint:
On XX/XX/XXXX My husband ( XXXX XXXX, SSN XXXX   ) and I traded in for payoff, a XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. The XXXX   was financed in XX/XX/XXXX by XXXX XXXX ( fka XXXX ).

XXXX and I left the XXXX  at the XXXX dealership and took possession of a XXXX XXXX XXXX We were of the expectation that within 10 days Bridgecrest would be paid in full for the XXXX XXXX.

In XX/XX/XXXX, we saw a 30-day late on our XXXX   Credit report. We disputed it several times online to no avail. The most recent dispute is attached. This was filed after I personally spoke to Bridgecrest and XXXX and Bridgecrest stated they were not going to change the report. XXXX  suggested that I get more supporting documents, which I attached to prove that we were not at fault for the 30-day late. The General manager at the XXXX  dealership also drafted a letter stating the same and detailed the turn of events that resulted in the late payoff to Bridgecrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX ( deceased ) & Executive of the Estate : XXXX XXXX XXXX with the Property XXXX XXXX XXXX XXXX, MA XXXX ; paid in full Loan # XXXX with Ditech Financial LLC ( " Ditech '' ) listed at XXXX. XXXX XXXX XXXX, IL XXXX with XXXX XXXX XXXX & XXXX XXXX XXXX 's XXXX XXXX Checking Account ending in XXXX in the amount of {$17000.00} on XX/XX/2019 after the Quitclaim Deed was recorded at XXXX County XXXX Registry of Deeds Book XXXX Page 27 on  XX/XX/2019 at XXXX. 

Ditech send the Escrow Overage Check to wrong address on file, to the heirs residing at XXXX XXXX  XXXX XXXX, MA XXXX, made payable to the deceased XXXX XXXX. The heirs notified me, XXXX XXXX, of the check and a call was made to Ditech Financial LLC concerning the error ; a stop payment placed on the check. After eight phone calls, and multiple hours of conversation, and sending over the requested documents proving acting executive of the estate and ownership of the property ; Ditech continued their dishonesty in regards to sending the final statement, note of the property paid in full, closing letter, and escrow overage check. 

Multiple times I was told by a Ditech Financial LLC customer service agent and Ditech 's supervisor on a recorded line that the check was mailed to my address on file for the property of XXXX XXXX XXXX, only to be notified an hour later that it was not mailed because more information is required. 

Ditech 's requested documents were send immediately by myself, XXXX XXXX, via email, multiple times per request. Ditech Financial LLC continued to not follow-up by any means of communication despite being told by their supervisors, that they would follow-up with this issue in a timely manner! 

Ditech Financial LLC has failed to provide any tracking information ( even when I offered to pay for certified delivery ) for the final documents and escrow check to be mailed by carrier of their choosing. Nor could Ditech Financial LLC verify that any documentation owed or checks owed were sent after the original. 

Over a dozen times I have called Ditech Financial LLC concerning this issue on both their recorded line and mine. Ditech Financial LLC has not delivered on their promises, and have since claimed bankruptcy and diverted all of their assets. I feel their intent was to never mail me the monies owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Ive contracted Transunion several times about my account with XXXX. XXXX has also contacted them about the error thats on my report. Transunion is the only one saying this account was late when I traded in the car and they car dealership had paid off this account. Ive never been late. They will not investigate with XXXX as XXXX has told me that they reached out to Transunion on my behalf a year ago and they are not sure why Transunion has not updated this account to pays as agreed

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