BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Trans union is not in metro 2 compliance and is reporting inaccurate reporting which is affecting my livelihood. The account isnt mine and was never notified nor did i give my consent to furinish anything on my credit report. 15 USC 1681 Permissible purpose, 15 USC 168e ( b ) COMPLIANCE PROCEDURES ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I will go to arbitration if this matter is not handled. I want my {$1000.00} or you will incur more fees as litigation takes place.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 Capital One closed my banking account and a Capital One backed Neiman Marcus credit card. At no point did Capital One contact me to express concerns about my banking. The closing of the accounts has caused material financial harm to me. While I acknowledge they do have the right to close the accounts, I state that Capital One is not operating in the public interest and deserves no protections or charter with any government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: Account information incorrect

Complaint:
I recently disputed late payments that are showing on my credit report for my auto. I noticed this back in XXXX and started reaching out to the bureaus and the company I have my car with. I asked the main bureaus to investigate this and update my payment as it should be. I receive a letter that the information was accurate, and they would not be investigated because they think their information is accurate. What I ask them for was the payment history to show that I was late because this is clearly a mistake on their part and it's causing my credit score to be low and me being denied for a home loan I've applied for. I was never informed of any late payments. That means that I would have a late fee and I was not aware of that. I would like this to be corrected 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 explanation
Consumer complaint received 2023-06-05
Company: W&A Intermediate Co., LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, I received via US Mail a letter from Wakefield and Associates, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX stating they are a debt collector trying to collect a debt that I owe to XXXX XXXX XXXX, XXXX. The phone number for Wakefield and Associates, LLC is XXXX Monday-Friday XXXX XXXX Saturday www.wakeassoc.com They stated the account # with XXXX XXXX XXXX, XXXX is : XXXX and stated as of XXXX the amount owed is {$12.00}. They stated they charged {$2.00} in interest and the debt due is {$15.00}. They stated the Reference No. is : XXXX XX/XX/XXXX. 

They said to call or write by XX/XX/XXXX to dispute the debt and if no call or written communication is received, they will consider the debt is correct. 

It says to write by XX/XX/XXXX, and request the name and address of the original creditor, if different from the current creditor. It states if written communication is received by XXXX, they will stop collection until that information is sent to me. 

I have never heard of XXXX XXXX XXXX, XXXX nor do I know anything about a debt from XXXX for {$12.00}. This is the first and only communication I have received from Wakefield and Associates, LLC regarding said debt. I have never heard of Wakefield and Associates, LLC until I received their letter today, XXXX. 

I completely dispute any debt of any kind to XXXX XXXX XXXX, XXXX, I have never heard of them nor have I ever heard of Wakefield and Associates, LLC nor have I ever had any dealings with either of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 accounts on credit report that i did not authorize and need them remove, here are the accounts : XXXX 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

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
( Last 4 of Account numbers ) XX/XX/XXXX - ( XXXX XXXX ) - Account / # XXXX XXXX ( XXXX XXXX ) # XXXX XXXX ( XXXX XXXX ) # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX. ( XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX  XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681 Sec. 602A. : ) STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Sec 604A Sec. 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION!!

15 U.S.C 1681 c. ( a ) ( 5 ) Sec : STATES NO CONSUMER REPORTING SGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, ANY OTHER ADVERSE ITEAM OF CONVICTIONS OF CRIMES WITCH ATTENDS THE REPORT BY MORE THEN 7 YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY, IF THE PERSON KNOW REPORTING OR HAS REASONABLE CAUSE TO BELIVE THEY 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 explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was notified of fraud from a credit monitor system ( XXXX ), that multiple credit cards accounts were attempted to be opened and inquiries placed on my credit report all with Transunion, XXXX and XXXX companies. The dates of these inquiries include : XXXX XXXX, 2023. Two inquiries were with XXXX credit card company ( XX/XX/XXXX and XXXX, 2023 ), which I called them about, and made them aware that the person was not I who attempted the accounts. They stated the person committing Fraud tried for a XXXX credit card through them, which they declined at the time. XXXX credit card representative stated the he would notify the XXXX  Credit Bureaus of the Fraud. I then called XXXX XXXX to notify them of the one inquiry on XXXX XXXX. They stated that they did not see an account opened in my name and that I would have to send them the Fraud report letter by fax, which I am doing today, for them to follow up with XXXX. I then also notified XXXX credit card company of the inquires placed on XX/XX/XXXX and XXXX 2023. Per XXXX they could not do anything about the inquiries due to no account being shown under my name or social. They stated I would have to wait and call them in a couple days to see if there are any new accounts made in my name. They stated they could not notify the Transunion or XXXX since there was no evidence to be seen from them of fraud. After calling XXXXXXXX XXXX and XXXX XXXX, I then called each of the Credit Monitoring establishments. Transunion was notified of each inquiry and my account frozen to assist with further fraud attempt. XXXX and XXXX were also notified and all have been Frozen account wise. After reporting all of this, I will be sending the reports from XXXX to Transunion, XXXX, XXXX and all the credit card companies to help assist with deleting these fraudulent Inquiries on my credit reports.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 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 2023-09-08
Company: Experian Information Solutions Inc.
State: MS
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: Problem with personal statement of dispute

Complaint:
My credit report has a voluntary repossession that resulted from my suing the company for breach of contract after which the company sued me for repossession of the mobile home, my lawsuit is still pending, but suite for repossession went forward. I have a suit against the company for breach of contract And I also have a suit for payment for rental space that the property took up for a year none of which have gone to court and I cant understand how my statement with proof does not remove this voluntary repossession and the cost of the mobile home from my credit report, it shows as a voluntary repossession, but it also shows the balance due I never made a payment on this property and when I called and asked for an investigation or did a dispute credit wise and XXXX, all of the other credit reporting bureaus removed XXXXXXXX XXXX  from my credit report Experian refuses to remove them, and I am not understanding if I have proof that I file suit against this company and this is a two-way thing, why does XXXX get to put damaging information in my file and Im not being able to dispute it and you are in Experian doing a full investigation when I attempted to question this I was told Id have to call XXXXXXXX XXXX no why would they help me when I have a lawsuit against them I feel that I am being treated unfairly, and that the Experian is showing bias by not removing this disputed matter which is really a legal matter between XXXX XXXX , and myself..

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, 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:
There are several accounts that are not mine on my credit report. XXXX states that they have verified the debt but there is not physical evidence that this debt is mine. No signature what so ever. These are fraudulent accounts and and i want them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 inquiries. 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 explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
CHAPTERXXXXBANKRUPTCYDISCHARGED

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 2023-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, I, am writing about my credit account with XXXX credit card. I established a hardship contractual agreement in XXXX of 2023 to make a monthly payment toward this account of an amount both parties agreed to. I have and continue to make payments as agreed and on time!! My credit report with the credit bureaus continues to reflect that NO payment has been made as agreed upon. My XXXX payment was made via phone with a representative after much difficulty. I made two separate payments in XXXX, on the XXXX as scheduled, and a second extra payment on XX/XX/2023. A payment for the month of XXXX was also made on time as scheduled and is yet to be reflected. In fact, the credit bureau report reflects XXXX an XXXX  payment was made for XXXX, and the XXXX payment is not acknowledged at all either. This is contrary to the fact two payments were made in XXXX along with my payment in XXXX as scheduled. Despite the fact I had a confirmation number for my payment, I also spoke with a XXXX supervisor who also confirmed the payments had been received but gave no information as to why payment was not being reported. Hence, the company continues to report nothing for more than 60 days OR report it was not received either. I have filed a dispute through XXXX disputing this report on my credit report and spoke with a credit card supervisor asking for this to be corrected. However, to my dismay, XXXX credit company still refuses to correct my credit account and reflect payments made as agreed to my 3 credit bureau reports. 

I am seeking to have my payment history updated and credited accordingly immediately to reflect the correct credits to my account. 

No one especially a senior should have to be subjected to all this!! Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
When the lender tried to foreclosure in XXXX. The Note had to different dates on them. The first date, shown was XX/XX/XXXX. Two pages later there was an addendum that was not there for the original closing was dated XX/XX/XXXX. The complaint that was sent to the court has the date of XX/XX/XXXX. 
XXXX XXXX XXXX claims that these are transcribable errors. Their answer is " No Harm no Fowl. '' Since they were sent to the Court, they are now part of the court record. Which makes them a legal document and they are true facts. 
They sent me a Loan Modification, after signing the original loan modification. The mortgage and the note were never modified. Since my deceased wife is still on the mortgage and the note. They have to send an Affidavit of Continuous Marriage, which has never been done. There answer is that they do not have to modify the mortgage or the note. That they have doing this for years. Secondly, when the modification was sent to the XXXX XXXX for their signature. They did not notarize the document, which makes it illegal.

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 2019-01-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I disputed these unauthorized inquiries months ago, however, the credit agencies investigation came back verified. Now I'm requesting the Method Of Verification, who verified these inquiries, and I'm requesting the physical documentation of verification or as stated in the FCRA, if not then these following inquires shall be blocked/ removed. 

1 ) XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX  ( XX/XX/XXXX ) 8 ) XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 10 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX ) 16 ) XXXX  ( XX/XX/XXXX ) 17 ) XXXX XXXX ( XX/XX/XXXX ) 18 ) XXXX XXXX ( XX/XX/XXXX ) 19 ) XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 20 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 21 ) XXXX XXXX ( XX/XX/XXXX ) 22 ) XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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