BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX. XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete this accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I requested a free report from Transunion in regards that I was turn down for a car loan. I have yet to receive my free credit report after being turn down for a car loan.

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 2023-07-03
Company: EQUIFAX, INC.
State: LA
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 implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Block, Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/23 my bank card and phone were stolen. 11 purchases were made by someone ( not myself ). I IMMEDIATELY reported my card stolen and disputed the charges within the 2 days spelled out in cash apps terms of service. I should have been liable for nothing.

However, within 48 hours my dispute was denied. They claim I am entitled to documentation used to determine their dispute denial. It has now been weeks and weeks of requesting and cash app has provided me with NO documentation.

They respond to my complaints with no details about how they determined this " not theft '' and promises that I can request documentation, however they ignore every single request for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2023, I requested a balance transfer cash offer to my personal checking of XXXX dollars. I was told that I was approved and that the moneys will be deposited in my account in 5-7 business days. I was also giving a confirmation number XXXX from Barclays Old Navy customer service representative. After serval days of waiting for the money to be deposited into my account I gave the credit card company a call to see why the money was not there yet and they stated that they tried to call me to verify that it wasnt fraud. I never received a call, email of voicemail from this company. I called to validate my identity to let the company know that it was me honoring the transaction again and I was told the promotional transfer to my personal checking was no longer available and that I can only do promotional balance transfer to another credit card. I still have 29-30 days left for these offers to be granted to my account. I dont understand why Barclays took the offer off the table if my identity was cleared. Im very upset at this matter and would like to get this issue resolved.

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 2022-10-22
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The XXXX Bank collections keeps contacting my parents looking for me. They have my phone number and address, they should be contacting me. I have never given them permission to contact anyone else. My parents are elderly and hard of hearing and do not need this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I disputed multiple times with Equifax the hard inquiries which I was not authorized and they are based on Identity Theft since I have a fraud alert. I provided copy of police report, passport, ssn, statement. And they still dont want to remove them. Please help me! 

My bank statements are my proof as I current mailing address which is XXXX XXXX XXXX XXXX, XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX i submitted a claim for several upon several transactions that i had not authorized via XXXX XXXX, wells fargo completed an investigation with claim number XXXX, and determined that for the claim that was {$3200.00} i was in fact right and errors did occur, they gave me a final credit on XX/XX/XXXX for the amount of {$2300.00} - clearly missing money in this {$830.00} to be exact, then i find out ON TOP, THEY missed SEVERAL OTHER TRANSACTIONS I HAD SPECIFICALLY ASKED THEM TO ADD to the claim. 
so now they opened a new claim, yet again claim number XXXX for 44 other XXXX  transactions, i since then got a new debit card and had this investigated. so im asking if someone can expedite my funds coming back to me, because your " bank '' is supposed to protect you, no instead i get a notice saying that they are ending their relationship with me, of course the day i file the claim THEY SCREWED up on. im going to be talking to a lawyer and filing a class action lawsuit against wells fargo, for misleading practice, and false promises and deception. i want my money back, from the first one the correct amount and i want the new one to be credited to being this was supposed to have taken place WEEKS ago, now they want to close my account with 0 reasons given, go figure typical wells fargo. good thing the local and national news will be seeing and hearing about this this week! 
i want am email explaining to me where my funds are and when i'll be receiving them so i can move them to a new bank.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2022-12-12
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
During the COVID-19 Pandemic I paid off my entire student loan balance of {$12000.00} that was serviced with XXXX  XXXX XXXX On XX/XX/2022 I called XXXX and requested a refund of my payments. I was not educated about the impact of this or informed that by doing this it would re-open my student loans. I was told that the payments would be issued direct deposit to the bank account I made my loan payments to. I informed the agent that I no longer had that bank account and she informed me that I could not change accounts and I would receive a check issued by the Dept of Treasury within 12 weeks. 

I then received an email on XX/XX/XXXX that my loan was now with Mohela. I called Mohela to check the status of my refund payment and was told to call XXXX XXXX. I called XXXX  XXXX and was told the deposit occured on XX/XX/XXXX. I asked if she knew if a check was being processed through Dept of Treasury since I do not have that account and so I did not get the funds. She was not sure and could not answer my question. Based on the 12 week calculation the date should have received my check was XX/XX/2022 but as of XX/XX/2022 I still have not received my check. 

I then called XXXX  XXXX again around XX/XX/XXXX and was not able to speak to a representative because the automated system would not accept my PII since my loan is not serviced with XXXX  XXXX. On XX/XX/2022 I called Mohela and was told they did not have access to my refund information and opened a request with XXXX  XXXX which will take 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Around XX/XX/XXXX, I made my monthly payment for my XXXX  card. I believe I made the monthly payment with a representative. 

On XX/XX/XXXX, An alert from XXXX XXXX came in my email informing me, my credit score went down. I quickly viewed my credit reports. I discovered that XXXX  had place a 30 days late mark on my credit report, which ultimately affected my credit score, as well as, another creditor lowering my credit card limit because my credit score was lowered. 

On XX/XX/XXXX, I contacted XXXX  about the negative 30 day mark that was placed on credit report, which my monthly payment was made. I was informed, " XXXX  had a computer glitch when my payment was made and the payment did not get posted ''. I asked XXXX  to removed the negative 30 day reporting from my credit report because it was ruining my credit score and my other creditors relations. 

On XX/XX/XXXX, I viewed my credit report to see if XXXX had removed the negative 3o day mark, which they had not. I also discovered that another credit caard lender hard reduced my line of credit due to the negative 30 days late mark, whoch caused my credit score to be lowered. 

XX/XX/XXXX, I contacted XXXX again to remove the negative 30 days mark because I needed my credit and could not afford for my credit score to be lowered, nor did I want another creditor reducing my line of credit due. I was told, " XXXX  was still in the process of removing the negative mark from my credit report, while I continue to adversly affected by the negative mark on my credit report.

We are experiencing a Pandemic Crisis and I needed my line of credit on my credit card, which my credit card limit was {$2100.00} that was reduced to {$700.00}. In addition, when my credit card holder reduced my line of credit, it also affected my credit score. My line of credit was reduced on XX/XX/XXXX, which I contacted XXXX  on XX/XX/XXXX about their mistake of putting a bad mark on my credit report. If XXXX had taken care of the negative mark, i would not have lost my credit line with my credit card holder. My credit is ruin as well as my credit score. I opened the XXXX account in XXXX which I was in good standing with my XXXX  account as well as with my other credit card holder. 

XXXX ruin my life and my credit! I needed my credit card limit that was reduced while I am adversely affected from the Pandemic Crisis.

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 2023-06-10
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:
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

# 1 Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
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 did not authorize these inquiries reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
1. I've contacted The credit reporting agencies, and my banks multiple times about inaccurate information on my report. I've sent debt validation demand letters, and They refuse to provide me proof of two accounts that aren't mine. 
A. XXXX XXXX XXXX the debt is owed by a business, and not mine. 
B. XXXX XXXX XXXX ... it was opened in XXXX XXXX where I've never been.. Used/maxed in XXXX XXXX which I've never been to. I disputed it for years ... No validation of debt ever given. So I gave in and paid it... it still reports as a charge off 5yrs later!!!! 

2. XXXX and XXXX XXXX XXXX XXXX had me in a COVID payment arrangement on my car and credit cards and still reported me 30 days late. I contacted the banks first who both XXXX from XX/XX/XXXX and XXXX XXXX from XX/XX/XXXX directed me to dispute the late pays thru the credit agency 's... I disputed these with the credit agencies multiple times l. Everytime they come back with the late payment validated. I've spent hours on the phone with XXXX, XXXX XXXX and the credit bureau 's. Nothing has been fixed. I emailed 8 corporate officers with XXXXXXXX XXXX  and not one responded... These late pays and wrongful reporting have prevented me from refinancing my home, and my rental property which has a balloon coming due ... .i lost  my home because I couldn't refinance in XX/XX/XXXX. 

3. I was a victim of XXXX data breach and I have over 60 credit inquiries on all 3 bureau 's, I've NEVER made ... Thankfully my score was so thrown off from the inaccurate reporting the scammers couldn't do anything but apply and get denied. I've disputed these multiple times since the data breach without any results. 

I'm now on the verge of losing my rental property/only income to feed my kids with ... due to the inaccurate reporting. 

I demand immediate proper validation of EVERY single item open or closed your reporting on my credit.. And each item you can not provide proof for will be deleted immediately until you can provide proper validation. 

F

CRA 15 usc 1681i 602A states I have the right to privacy. FCRA 15 usc 1681i 602A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

Fines associated with these violations could be {$1000.00} per violation. 

This is my final demand before beginning litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: MD
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:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX HAVE FOLLOWING ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
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:
XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 explanation