BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Second Mortgage Loan for {$27000.00} as guarantee to a Property was open on XXXX in XXXX XXXX   XXXX in PR. It was paid accordingly until end of XXXX. The property was on Sale and the balance of the first and second mortgage ( {$220000.00} ) was more than the Actual appraisal of the property ( {$160000.00} ) in a difference of almost {$75000.00} with charges.The First loan with XXXX XXXX agreed on a Short Sale, the Second Mortgage with XXXX Bank did not. For this reason, the property began a Foreclosure Deed in Lieu procedure. The XXXX XXXX XXXX was informed of the foreclosure as they denied the Short sale process and I had no money to make the sale feasible. Foreclosure proceedings started in XXXX, court communications were presented and everyone was informed including XXXX XXXX. I called them several times and they continued to send monthly Invoices regarding the XXXX XXXX   XXXX and making calls on due payments. They even sent letters on the insurance requirement. Every time I called and explain and they just took notes of it. I took two years and after XXXX XXXX situation, in XXXX, the court foreclosed the property in guarantee and sold the property for $ XXXX have called XXXX Bank and tried to reason with them on what happened, the loan was paid always on time for 9 years and the keep reporting this account Open and every month report the late payment on a loan that should appear as closed. They do not want to change the information, they have never tried to negotiate with the balance owed or charge off, they just keep reporting the loan open and the balance continues to grow and earn interest. I have claimed this information on Equifax, Experian and Trans union and XXXX XXXX keeps answering as accurate. This account was a second mortgage lien on the property I used to owe. It was not a line of credit. The property was foreclosed, it should not appear on my credit report as open and reporting illegal monthly status of late payments. When I recently called them again three weeks ago the person stated that the XXXX XXXX should have paid the balance of the second and since it never happened, I still owe the loan and it still will appear as open. When I asked the person what about the property that guaranteed that loan? it does not exist, the person said that she did not know how that works. When I requested to talk to someone form the legal area or loss mitigation, they transferred me six times with no answer and just told me that the Legal area was not working due to COVID and that they would call me back, I am still waiting for the call.

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 2022-05-13
Company: EQUIFAX, 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:
On XX/XX/2022 ( regular US mail ) and XX/XX/2022 ( certified mail with return receipt ), I sent a letter to XXXX XXXX XXXX requesting that it provide documented proof of the alleged medical debt of {$370.00}, including specifically the alleged contract or other instrument bearing my signature. I also asked proof of its authority in this matter. XXXX has chosen to ignore my correspondence and has provided no direct response or any documentation. I additionally sent certified letters to XXXX and Equifax on XX/XX/2022 and XX/XX/2022 after each claimed in response to my online disputes that the medical debt had been investigated and " verified ''. I requested that they : ( 1 ) provide the name and business address of any individual they verified with so that I could attempt to follow up with that party directly in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D ; ( 2 ) that under FDCPA and HIPAA I was requesting a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information, and to further cease any credit bureau reporting until debt has been validated by me. 
Each and every time I continue to get the same generic response that the medical debt has been investigated and verified. I am attempting to resolve the matter, but continue to be given the runaround by XXXX, Equifax, and, XXXX. If I indeed owe, they should easily be able to provide me with actual documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions 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 HAVE PREVIOUSLY REPORTED THIS ACCOUNT AS FRAUD/ IDENTITY THEFT. THIS ACCOUNT DOES NOT BELONG TO ME AND EXPERIAN IS THE ONLY BUREAU THAT HAS NOT REMOVED THIS ACCOUNT FROM MY CREDIT PROFILE

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 2023-06-12
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:
My information was included in the XXXX, transunion, and XXXX data breaches which caused my personal information to end up in the wrong hands. I notice some inaccurate and incomplete accounts on my credit report that I were unauthorized that I need removed immediately. I know that information on your credit report needs to be accurate, but the accounts listed on my reports are not accurate at all. I also sent letters to XXXX, XXXX, and transunion more than 30 days ago and the disregarded my disputes and kept reporting false, incomplete and inaccurate accounts. this is hurting my reputation with the banking system and hurting my chances at getting approved for a home loan. I need all inaccurate accounts and inquiries removed now

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 2022-05-13
Company: Experian Information Solutions 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:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : 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 2022-05-13
Company: EQUIFAX, 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:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
For 2 years I have been sending letters to XXXX, XXXX and Transunion to eliminate charged off debt and late payments to theses companies and they keep this information in my credit reports they go against The Fair Credit Reporting Act of 1970 and The Fair Debt Collection Practices Act of 1977. I need your help with this so I am able to have the credit score possible to buy a new home and car.

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 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2023-11-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account : XXXX XXXX XXXX  acct # : XXXX I am formally submitting this complaint against Equifax due to ongoing inaccuracies and incompleteness in the reporting of an account on my credit file. Despite initiating multiple disputes with Equifax and receiving explicit assurances that the information in this account is " verified '' and accurate, reporting inaccuracies persist, indicating a failure to conduct a thorough and reasonable investigation, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681i - Procedure in Case of Disputed Accuracy ( a ) 5 ( a ) ( i ). 

According to the FCRA, if, after any reinvestigation, information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency is obligated to promptly delete or modify that item of information based on the results of the reinvestigation. 

The specific discrepancies that still persist on my Equifax credit report are as follows : 1. Last Reported Date : Discrepancies across all three bureaus. 
2. Date Last Active : Variances are present across all three bureaus. 
3. Payment History : Discrepancies are noted across all three bureaus. Some months have data listed, and some months dont have any data. Those same months have data listed on the two other credit bureaus, indicating inaccurate and incomplete data being reported by Equifax. 

I have attached supporting documentation highlighting these inaccuracies and incompleteness. 

Furthermore, my requests for original documentation, signatures, contracts, and details regarding the verification method for this account have gone unanswered by Equifax. This lack of response exacerbates the adverse impact on my creditworthiness, leading to credit denials and hindering my ability to secure housing for my family. 

Given the evident failure to conduct a thorough investigation, constituting a Fair Credit Reporting Act ( FCRA ) violation, I am not requesting a re-investigation. Instead, I am demanding that Equifax promptly deletes/removes the late payment from my Equifax credit report, as mandated by the FCRA. 

Thank you for your attention to this matter, and I trust that your intervention will lead to a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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.

The letters are stated with items and issues.

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.

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 2022-05-13
Company: Experian Information Solutions 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:
On XX/XX/2022 ( regular US mail ) and XX/XX/2022 ( certified mail with return receipt ), I sent a letter to XXXX XXXX XXXX requesting that it provide documented proof of the alleged medical debt of {$370.00}, including specifically the alleged contract or other instrument bearing my signature. I also asked proof of its authority in this matter. XXXX has chosen to ignore my correspondence and has provided no direct response or any documentation. I additionally sent certified letters to Experian and XXXX on XX/XX/2022 and XX/XX/2022 after each claimed in response to my online disputes that the medical debt had been investigated and " verified ''. I requested that they : ( 1 ) provide the name and business address of any individual they verified with so that I could attempt to follow up with that party directly in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D ; ( 2 ) that under FDCPA and HIPAA I was requesting a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information, and to further cease any credit bureau reporting until debt has been validated by me.

Each and every time I continue to get the same generic response that the medical debt has been investigated and verified. I am attempting to resolve the matter, but continue to be given the runaround by XXXX, XXXX, and, Experian. If I indeed owe, they should easily be able to provide me with actual documentation.

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 2019-06-24
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new account with US BANK, and after depositing cash and making a few purchases a fraud hold was put in my account and I was unable to use my card. I had previously clarified what the daily spending limit was and I did not go over it, so there was no reason my card should have been disabled. In additon, I had ordered a cell phone as I Have been robbed and needed a new phone, and because my card was disabled my order was cancelled, my card was charged twice, wheras it should have only been only charged once. I went into a branch and confirmed with the card resolution team that the correct amount from XXXX XXXX XXXX was {$100.00} amount not the the {$69.00} amount. This amount has been debited from my account. Had I not put my money in the bank and made this purchases in person with cash I would not have any problems accessing money that is actually there

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 2023-03-07
Company: REGIONS FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023 I went to make a purchase and noticed my balance wasn't correct. I called customer service number and was notified I had a pending direct deposit of {$1200.00} scheduled to be deposited into an account/card I don't have and one I did not authorize. I spoke to a live representative and explained what was going on and I was informed direct deposit was scheduled to be deposited on an XXXX XXXX card/account. I expressed I didn't authorize that and I wasn't the owner of that card/account. I was told since it was a pending direct deposit I would have to wait until deposit went through! But she would make a note on my account and I would be receiving my money back. Days go by nothing. I call for updates and told they see all this marked down but no update. On XX/XX/2023 I spoke to account representative and was told I needed to fill out dispute forms and if I had received them. I confirmed I had not so she emailed them to me. I emailed completed forms to dispute department on XX/XX/2023. I was then told after they received completed forms it could take up to 21 days to investigate and resolve dispute. Here it is XX/XX/2023 and I haven't heard anything. I called on XX/XX/2023 which is XXXX after " investigation '' was finally started according to customer service. I asked for status update and was told there were no updates. I asked for the number to the dispute department and was told they were not taking calls. I called back on XX/XX/2023 and told still no update but note was put in for someone from dispute department to reach out to me with an update. I emailed the dispute department on XX/XX/2023 and have yet to hear back from anyone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 2020-04-12
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I lost my wallet which resulted in debit and credit card fraud for all my accounts. I promptly reported to each bank and each bank provided provisional credit except for bank of the west. 

I was advised that I would receive a affidavit that I would need to sign. I received this affidavit which I immediately completed and signed. This was received on XX/XX/2020. This was confirmed by a telephone banking rep on XX/XX/2020. 

I was told on XXXX that the fraud department was closed and I would need to call Back. This is unacceptable that I need to chase my own money back as I have followed Bank of the wests requests. 

I am requesting immediate and permanent credit for the transactions. Its under {$100.00}, but its the principle and the frustration of having to keep following up with Bank of The West.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation