BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 2020-11-08
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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX  : XXXX  Mortgage XX/XX/20 & XX/XX/20 TransUnion : XXXX Mortgage XXXX & XX/XX/20 XXXX  : XXXX  Mortgage XX/XX/20.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
There is a Personal Joint Loan for XXXX some dollars that I have no knowledge of. This loan could be in connection with my ex husband, XXXX XXXX XXXX XXXX, XXXX. 
After XXXX XXXX XXXX XXXX in XXXX I left XXXX and fled to XXXX XXXXXXXX. After he served his sentence we were divorced in XXXX. My residence was and still is XXXX when this loan was secured 14 years ago I did not sign anything committing to this loan. Please remove this loan from my credit profile as it isn't mine. 
I can find XXXX ssn if needed. Former possibly current address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Or XXXX XXXXXXXX, XXXX, XXXX 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 2023-03-31
Company: Source Receivables Management LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Source management is trying to collect on a debt not owed. I sent a response to the first complaint stating my situation was unfortunate, but I signed the contract ; other than being very careless by representing a company that has manipulated a person into a contract is not unfortunate. It's against the law ; furthermore, as I explained, the debt was paid in full two foIds. also, the collection sent two contracts for two different homes. I only own one home, which would make sense and support my statement of being FALSELY charged, the overcharge. it is a sad day when a company knowingly represents the company with such fraudulent business practice, which is a concern in itself, as you are gaining from this fraudulent ACTIVITY, THAT IS WRONG AND MISREPRESENTATION NOT UNFORTUNATE. I don't know owe this debt, you have the contracts so why don't you share the payment history from day one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: CO
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 I spoke to XXXX banks and they informed me of information being reported by Experian AND XXXX that there was another social security number reporting from them. Ive been involved in identity theft for a while and Experian and XXXX have both reported other social security numbers as well as addresses that were inaccurate. 

There are two accounts that were requested to be removed due to the nature of identity fraud and consumer rights violations in collections concerning the accounts. These two accounts have been reporting negative for over 3 years and XXXX failed to produce paperwork regarding the return agreement for the furniture. 

XXXX XXXX XXXX XXXX : account number XXXX The merchant is involved in police report sent to Experian on XX/XX/XXXX that an employee stole the merchandise for own benefit and it was never returned. It was considered fraudulent. XXXX has removed from credit report. 

XXXX XXXX : ACCOUNT XXXX was removed from credit reports and agencies after finding Credit central violated FCRA laws and guidelines and attempted to collect debt violently. ONLY ACCOUNT NUMBER BEGINNING IN XXXX IS TO BE DELETED

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 2018-04-29
Company: CITIZENS FINANCIAL GROUP, 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: Credit inquiries on your report that you don't recognize

Complaint:
I turned XXXX and I had no credit I was purchased a vechile through a authorized dealer and they ran my credit multiple times knowing I had no credit I was a co under my mother

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am writing to express my serious concern and frustration regarding the multiple, unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are negatively affecting my credit profile and financial well-being. 


There are inquiries and inaccurate addresses listed on my credit report that I believe are the result of identity theft or fraud. These items do not belong to me, and their presence is unjustly damaging my credit score. 
I have diligently followed the established procedures for disputing inaccuracies in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided detailed explanations, supporting documentation, and evidence to substantiate my claims of fraud. 

My previous dispute letters and supporting documents have received little to no response, leaving me unsure of the progress or status of my disputes. 
The delay in resolving these fraudulent items has caused significant financial distress and limited my ability to access fair credit and financial opportunities. 

The presence of these fraudulent items continues to damage my credit score, making it difficult for me to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting and am committed to working with your credit bureau to ensure the integrity of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me deeply frustrated and anxious. 

I kindly request that your credit bureau conducts a thorough and immediate investigation into the fraudulent items I have reported and takes swift action to remove them. I also request regular updates on the status of my disputes, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, which serve as evidence of my earnest attempts to rectify these fraudulent items. I am asking for your immediate assistance to remove the fraudulent items in my credit report : XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX 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 2023-02-11
Company: Neighborhood Autos, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am unable to afford to insure this vehicle to the standards that the lienholder requires. They require a full coverage policy to have a {$250.00} deductible and I am unable to pay the premiums associated with a {$250.00} deductible on this vehicle when I signed my loan agreement on XX/XX/2021. I signed a notice that is titled Texas physical damage insurance requirement that my monthly insurance premium should Wise Credit provide this insurance coverage is {$99.00} for the monthly premium. Wise Credit is sending me letters threatening to repossess my vehicle and the amount referenced that they want for me is {$400.00} but when I call Wise Credit and try to make a payment they are asking me for a different amount, they have also locked me out of my online portal to pay my payment online and refused to work with me regarding lowering the payments due to financial hardships and Covid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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  : {$50.00} ; 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 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 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 XXXXXX/XX/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 2022-07-12
Company: Experian Information Solutions Inc.
State: NY
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:
On XXXX an account was opened for {$3100.00} by someone other than myself using my information. Payments were made, not by me, for a few months XXXX and XXXX of XXXX. Then, it was put to collections XX/XX/XXXX and charged off XX/XX/XXXX. I received XXXX notifications via email or regular mail, not me, that this was happening. I went to get a loan for a motorcycle on XX/XX/XXXX and was denied due to a ding on my credit. Once I looked into it I saw that XXXX XXXX was the Creditor and I called them on XX/XX/XXXX. They told me that it was a XXXX  year lease on a king size bunkbed and that I stopped paying for it so it is now off at collections for the amount of {$3200.00}. They told me that it was associated with an email of XXXX, not my email address. My wife called on XX/XX/XXXX and she talked to a man named XXXX and she was able to find out that my name was not associated with the account but that the last XXXX numbers of the phone number were XXXX, which is a fraudlent phone number on my credit report also. XXXX told us the vendors name for the bunkbed and it was a company, XXXX XXXX in XXXX PA and a phone number. I called the phone number and it was out of service. There is also a fradulent address in XXXX, PA on my credit report. XXXX told my wife that she could pay {$720.00} to close the lease over the phone with a credit card and it would take away this charge off from my report. I did not do this. We contacted the police and have since filed a 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 2023-10-31
Company: EQUIFAX, INC.
State: NY
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:
Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Ive never been late on this account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am a victim of identity theft, I have fraudulent accounts, and credit inquiries, which I did not give permission for my credit to be ran. I also have fraudulent addresses on my credit report I have listed the fraudulent addresses. I also have my name spelled wrong on my credit report I have and wrong phone numbers. I will list my current address and current phone number and name I want listed on my credit report. 

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 2023-02-11
Company: Resurgent Capital Services L.P.
State: GA
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:
LVNV FUNDING LLC XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Stellantis Financial Services US Corp.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XXXX XXXX my XXXX  XXXX XXXX  was repossessed for late payments according to Stellantis Financial. However my vehicle was taken from a closed locked gated complex. The repossessor committed a breach of peace which is illegal. I live in a private area where there is a gate code needed, the office was closed so I am very concerned as to how they were able to either break through the gate or trespass through the property. On private property a repo agent can not open doors, gates, fences or any other barrier between themselves and my vehicle. I value my privacy highly and I insist my legal rights are respected and as guaranteed to me under state and federal laws. This notice is to formally notify you that my rights has been violated and I do plan to forward this to the attorney general if you do not wish to resolve this amicably.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-08-26
Company: EQUIFAX, INC.
State: LA
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:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
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:
In XXXX XXXX XXXX XXXX showed up on my Transunion credit report. It does not show up on my XXXX or XXXX credit bureau. I have repeatedly ask XXXX XXXX XXXX to remove this item from my Transunion credit report. The account # Im showing is XXXX account opened date XX/XX/XXXX account was charged off. I have never co-signed with anyone on a car loan. This is not my information I need it removed immediately.

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 2023-05-12
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation