BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is not mine 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 2023-02-12
Company: ATG Credit, LLC
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: Their investigation did not fix an error on your report

Complaint:
I was trying to buy a house and i realize i have damage on my report and according to the 15 USC 1681 law there should not be any damages on my report and it is a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
FCRA violations : accounts not mine XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$35000.00} written off. 
XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$21000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$21000.00} Status Collection account. $ XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5100.00} Status Account charged off. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$1.00} XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$8700.00} Status Account charged off. {$8700.00} written off. {$8700.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-10
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX 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 2018-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX  had done a hard inquiry on my FICO through XXXX, I immediately disputed that fraudulent inquiry with XXXX  and a few days later with XXXX XXXX XXXX as well. I believe that on the XX/XX/XXXX or XX/XX/XXXXI also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help me!!

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 2023-10-12
Company: EQUIFAX, INC.
State: WI
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have found unauthorized inquiries on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit reporting agencies to review these inquiries ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to deleted the following inquiries information on my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/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 2022-07-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I stepped foot into Wells Fargo on XX/XX/2022 to close my safe deposit box. I first attempted this on XX/XX/2022 but was told I would not be serviced without an appointment. 

Both keys were surrendered and the box contents were removed. I was told a key deposit of {$20.00} would be refunded. I have yet to receive this refund but have received a notice from Wells Fargo that the safe deposit annual fee is past due.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been waiting for Transunion to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information below 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 2023-09-14
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: Account status incorrect

Complaint:
This is XXXX XXXX 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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My complaint is about chase closing my credit card for unreasonable reasons and failing to provide reasonable follow-up. 

I successfully applied for and got a chase XXXX XXXX credit card ( end in XXXX ) on XX/XX/XXXX. However, chase closed this card on XX/XX/XXXX. But chase couldn't give a clear reason in the notification letter. When I communicated with the chase fraud department for the first time, they gave me the reason that I did not submit the w9 form as required by the previous letter, and provided me with a solution, as long as I resubmit the w9 form, they will help me reopen this credit card account. This communication is marked on my case. 

I looked at the letters that chase sent me in XXXX and XXXX. In the letter, chase only asked me to submit a copy of my social security card, NOT asked me to submit w9 form. I also faxed a copy of my social security card through fax from the local branch on XX/XX/XXXX, as requested by the letter. So I think it's not my fault that chase didn't receive the w9 form, it's caused by chase. This account closing reason is unacceptable. 

In order to reopen the card as soon as possible, I followed the customer services suggestionson, on XX/XX/XXXX and XX/XX/XXXX, I submitted all the materials that the chase may need by fax and secure message, including the copy of credit card, copy of SSN card, copy of driver 's license, SSA-89 form, W9 form and letter from chase. 

After I submitted all the materials, I tried to communicate with chase again, but no progress. In the 40 days from XX/XX/XXXX to today, I visited the local branch twice, made more than 20 calls to the different customer service departments of chase, and sent two secure messages. But no one can help me. The local branch suggested that I contact the phone customer service, and the phone customer service suggested that I seek help from the local branch. One of the experiences that XXXX me off the most was my phone being transferred to 6 different departments in turn, but each said it wasn't their area of work. Every staff could not help me or even seriously understand my situation other than saying that they work according to the procedure. I had no choice but to file a complaint with the Consumer Financial Protection Bureau for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has been reporting an invalid debt in the amount of {$1300.00} on my Equifax Credit Report. This debt has a medical service date of XX/XX/2013. The Statute of Limitations to be sued for Florida is 5 years. This company XXXX XXXX XXXX is illegally reporting a negative item on my credit report. They have no right to collect. I did not agree to do business with them. My Equifax credit score has dropped by XXXX points. XXXX XXXX XXXX has harassed me with multiple phone calls throughout the day. This month I have disputed XXXX XXXX XXXX 's negative item 3 times on Equifax and all three times the negative item was not removed. Equifax has be negligent with its investigation practices.. XXXX XXXX XXXX has violated the FDCPA [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Equifax has not done a proper investigation and I have been told multiple time by Equifax representative that they are using an automated system and that Equifax relies on the Collection company to verify the debt. Equifax is using the E-Oscar system I believe they are violating the FCRA by not conducting a reasonable dispute. 

XXXX Direct disputes. 

Conduct a reasonable investigation with respect to the disputed information ; Equifax should have this negative item deleted. XXXX XXXX XXXX has not right to try and collect this debt and not right to be reporting any information about me. They a debt scavengers that violating credit laws. Equifax has done nothing to correct this issue. 

I want this negative item deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had two collection accounts with Portfolio Recovery Associates ( PRA ) - one for {$1500.00} and another for {$230.00}. Not even sure one of them is valid - beyond the point. At this moment in time, the collections are paid - and the predatory calling is stopped. 
I don't question the validity of the lower debt ( {$230.00} ), however, PRA, had broken several laws trying to collect money. 

PRA has been known to be incorrect on consumers balances, interest rates, and payment due dates in attempting to collect debts. PRA purchases large portfolios of consumer debt with balances that sellers claimed were " approximate '' or that otherwise did not reflect the correct amount owed by the consumer. Sellers also warned the companies that some of the debts they were buying may not have the most recent consumer payments deducted from the balance. Some sellers also represented that documents were not available for some of the accounts. PRA continues purchasing these debts and collection on it without first conducting any investigation to determine whether the debts were accurate and enforceable. 

When trying to litigate the problems, their practices are not only sketchy but illegal. Personally, they pressured me into making full payments using misrepresentations. I can even remember at a point when the operator told me I would have these lines removed from my credit for paying in full. 

Finally, PRA violated the Telephone Consumer Protection Act while attempting to collect these debts, by their predatory lending practices. I would be more than willing to dig up inbound calls from my phone provider providing you can identify all their garbage numbers calling every 30 minutes. Not only did they call my personal cellphone, they called my PARENTS EVERY 30 MINUTES. ( see XXXX XXXX et al. v. Portfolio Recovery Associates )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In and around XX/XX/XXXX of 2020 I received a television as an annonomys gift, I figured it was from one of my vendors from work. shortly thereafter I realize my account with XXXX XXXX  is in suspense. I wasn't sure why, then I receive documentation from a company called telecheck telling me I owe two separate amounts, one for {$650.00} ad one for XXXX. I called XXXX and they told me that they do not know anything about this and I have to call the collector, I called the collector and they said they cant give me any information but asked for my banking information and then to fax my account and routing number to them. I have no idea who tele check is and I asked them to please send me more information and they refused. I am thinking I have identity theft but I do not wasn't to g through the trouble to freeze everything until I verify, I have had theft in the past but not through XXXX, the person I spoke with would not give me an employee ID number, there is also an address on my XXXX XXXX account that is not tied to me or anywhere I have ever resided, I have no idea why its on the account I asked them to remove and they said they are investigating, I can not remove through the website

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. Please remove these accounts in my credit file ASAP.

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 2017-11-25
Company: Statebridge Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I filed a complaint with CFPB regarding XXXX XXXX XXXX. File # XXXX. I was told via email on XX/XX/XXXX that Statebridge company has responded and needed more time to answer. A few days later I received a letter from XXXX XXXX XXXX also dated XX/XX/XXXX stating a Notice of Assignment, Sale, and Transfer. They sold the fraudulent mortgage off. It seems that they lied to this agency, while getting rid of the problem of a XXXX person. Had it not been for the letter the state accidently sent to my home informing me that a lien would be placed for non-payment of taxes, and that my name was not listed on the property but another company ( not XXXX XXXX XXXX ). I would never have known about the fraud they were perpetrating. 

They have also padlocked the property with my personal items in it as of XX/XX/XXXX and have yet to inform me via mail of their intentions to do that. When the company name is XXXX you can see multiple complaints as well as a class action lawsuit arguing their deceptive business practices to steal homes from unsuspecting people like myself. When they are revealed and reported to appropriate agencies, they quickly let go of the problem by selling it off to the next investor. While we think we are paying on a mortgage, we discover we are only paying investors. There is no assistance with obtaining homeowners insurance, or deeds to properties we are paying on.

Company response to consumer: Closed with explanation