BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Subject : Complaint Regarding 15 USC 1681 Permissible Purpose of Inquiries on Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding the presence of inquiries on my credit report under 15 USC 1681 , specifically concerning the permissible purpose of these inquiries. According to the Fair Credit Reporting Act, a permissible purpose is required for inquiries made into an individual 's credit report. I have reason to believe that inquiries have been made on my credit report without a permissible purpose, and I am requesting documentation to verify the permissible purpose of these inquiries. 

I request that they investigate the inquiries on my credit report and provide me with the following information : 1. Documentation demonstrating the permissible purpose of each inquiry on my credit report, as required by 15 USC 1681. 

2. Verification that each inquiry is connected to an account that is explicitly listed on my credit report Following inquiries thats on my Transunion account without permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request that they specifically connect each inquiry to an account that is present on my credit report and provide me with the documentation that was used to verify that I have an open account with the entities responsible for the inquiries. 

I believe that these inquiries may be in violation of the Fair Credit Reporting Act, and I am concerned about potential unauthorized access to my credit information. As a consumer, I have the right to ensure that all inquiries on my credit report are made for permissible purposes and are connected to valid accounts. 

I appreciate your attention to this matter and request that you provide me with a written response regarding the outcome of your investigation within the time frame specified by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX 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
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my report and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a letter off on XX/XX/2023 to all three credit bureaus. 

Here are my Tracking Numbers : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX I requested to remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: TN
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 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-03-02
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX XXXX  OPENED XX/XX/2018 This account is reporting inaccurate information. The auto loan was sold and the deficiency balance is not {$4000.00}. The company has failed to report the accurate balance and I demand this account be deleted from my file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
we are a small business and recently had a email fraud committed at our account. We discovered that we had transferred a significant amount to the fraud U.S Bank account.

As soon as we discovered, we filed complaint with the FBI and was able to freeze the accoun and the funds. Now the funds are at the U.S Bank and we inititated the recovery process. Inspite U.S Bank confirming that a ) the bank account is fraud and b ) the funds are frozen and still at the fraud bank account, are not returning the funds. It has been almost 2 months and the U.S.Bank refuses to remit the funds 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 2020-10-09
Company: TRUIST FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX , consumer, in fact. XXXX XXXX has never sent me validation of the alleged debt that XXXX XXXX has been reporting on my Transunion report since XX/XX/2023. I do not know where they received my private information. The collections account was reported open on XX/XX/2023 ; then by XX/XX/2023, XXXX XXXX was reporting the account closed on my Transunion report still without validation and/or verification of this alleged debt. I have since then made a dispute with Transunion numerous of times and would like to know what investigation took place before XXXX XXXX was placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
To follow up with further documentation, as I relayed I put my home up for sale, I was not at that time behind on a payment! I right away had a cash buyer, Wells Fargo drug their feet on this sale, said that HUD wouldnt let me sell. This was not true. I even spoke with HUD they said I should be fine to sell.I again spoke with Wells Fargo & the lady said I should be fine. So when my realtor put through the work they said I had a problem with my loan. They fabricated this problem. All this took weeks & I thought I was just waiting to close, then because of their dragging their feet Im now 1 payment behind they new I had a cash buyer so they caused my home not to sell so they could sell to my cash buyer & they made the profit. 
Im am sick from being treated like I didnt speak to both parties say I should be able to sell. They fabricated an inner issue to cause be to have to Short Sale. I was absolutely a victim in their illogical activity. Im discussing this with a layer this time. I suggest this be looked into further. There should even be recorded messages with my being told I could sale as well as documentation with HUD that if I had a cash buyer I could sell. 
Wells Fargo needs to finally be stopped with these illegal actions against innocent people, in my case I was targeted as a single women & easy to bury illegal practices. I know what I was told. When I talked to these people it always said our conversation s were being recorded, so why arent those checked. I was forced into signing paperwork acting as though they were reconstructing my loan not stealing my escrow, my cash buyer waited patiently through this entire process & Wells Fargo saw this & took advantage of this with illegal Short Sell transactions.

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 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting incorrectly a charge-off in the amount of {$860.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and I have no idea what this account is in reference to and/or who this creditor is. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I, XXXX XXXX, consumer, am demanding these accounts to be removed from all credit reports per 15 USC 1681c-1 : XXXX XXXX XXXXXX/XX/XXXX Total fraudulent amount : {$3100.00} XXXX XXXX XX/XX/XXXX Total fraudulent amount : {$4800.00} XXXX XXXXXXXX XX/XX/XXXX Total fraudulent amount : {$2100.00} I am disputing these accounts per 15 USC 1681b ( a ) ( 2 ). After reviewing my accounts, it shows accounts that I question. In accordance with my rights under the Fair Debt Collections Practices Act, I am disputing these accounts and requestions VALIDATION that there is proof of debt. I am demanding the removal of these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
hi to whom it may concern my name is XXXX XXXX id XXXX would like to remove the red flag thats blocking me in applying for other finances that will help me my kids and family some of my existing accounts are heavy for me to pay can you please remove them also XXXX  thanks

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: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had an account with Umpqua Bank for over 10 years now. During that time, the ONLY ACH payment I have had taken out was for a mortgage company. The same payment every month for years. When I opened my statement yesterday ( Sunday ) I saw that Umpqua Bank had honored an ACH payment for XXXX XXXX XXXX XXXX for {$9800.00}! 
I called Umpqua 's fraud department only to be told 2 hours later that they called XXXX XXXX XXXX and were told that I in fact did have an insurance policy with them and that they had my info. I HAVE NEVER HAD XXXX ANYTHING! 
Umpqua directed me to XXXX XXXX and provided their number. 
I spent another 2 hours on the phone with XXXX only for them to tell me what I already knew. I have never had an account with them, and I wasn't anywhere to be found in their system! They said that they only had 4 charges for the amount of {$9800.00} company-wide from XXXX until the end of XXXX All 4 of those transactions were paid for by other customers and none of which used ACH, and none of them had anything to do with me. They told me to call Umpqua Bank back and let them know that it wasn't them that did an ACH on my account. 
I called Umpqua Bank back to let them know what I had been told by XXXX XXXX. XXXX, the representative with Umpqua Bank told me that yes, there has been a scam going on with companies phishing other known companies and this was happening to their customers accounts by way of ACH withdrawals. 
This never should have happened to my account! They should have filed a XXXX report. This was definitely a case where this activity is completely out of the ordinary for my account! Any form of irregularity in the spending pattern of the account holder is supposed to trigger a fraud alert. When I mentioned this to XXXX, he said that his department didn't handle that part of it, but that the automated systems in place are what should have caught it. 
I am beyond upset about this! This is not right! 
Now I am being told that the fraud department has 10-12 days to research it and that I might get my money back. MIGHT??? I should be given all of it back now and they can finish doing what they need to do to make sure this doesn't happen to another customer. I trusted them with my funds. They never should have honored this fraudulent charge!

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 2017-12-07
Company: DISCOVER BANK
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 information incorrect

Complaint:
On my account it says i have missed a payment but i have never missed a payment. I only had a late payment and my credit score lost a couple of points because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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