BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
TransUnion intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, TransUnion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXX repeated requests. Second, Ms. XXXX requested TransUnion to provide the method of accuracy & verification used by TransUnion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and TransUnion remains non-compliance till date. Third, Ms. XXXX requested TransUnion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, TransUnion again went silent. 

In fact TransUnions only provision has been a computer generated rubber stamped answer to wit ; ( " the customer disagrees '' etc. ). Furthermore, Ms. XXXX didn't ask for TransUnion to speak on her behalf for her or through her nor did she send TransUnion a XXXX word statement expressing explicitly HER disagreement to be added onto her credit file opposed to Demanding TransUnion to remove an inaccurate, unverifiable, and unsubstantiated record pursuant to 609 et. seq. immediately for failure to produce a legal verification of the allege debt. 

TransUnion now gives the mere appearance of impropriety by violating Ms. XXXX privacy rights as a PRIVATE CITIZEN along with engaging in unfair and deceptive business practices. ( UDPA ) Notwithstanding TransUnion 's willfulness to violate FCRA laws, Fed. & State 's rules, opinions, codes, statutes and erode public policy consideration goes unprecedented. 


Whereby, Ms. XXXX is requesting through TransUnions general counsel to provide TransUnion 's insurance carrier 's information.

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 2023-09-08
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$0.00} XXXX, XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX, XXXX Inquiry : 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 2022-11-26
Company: Experian Information Solutions Inc.
State: PA
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:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2022-04-25
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Company : Newrez XXXX XXXX XXXX XXXX Texas XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX # XXXX XX/XX/XXXX contacted an agent. Asked about our review/audit on our escrow as we had to put {$7000.00} extra for taxes in for last year. I was informed an audit would be run and i should see paperwork in approx. 2 weeks We never had a tax bill for XXXX as we didnt move in until XXXX XX/XX/XXXX contacted again. This time i was informed certain states are done in certain months. She said Wisconsin was XXXX so i would be seeing the paperwork in the first 2 weeks of XXXX. 

XXXX, still nothing. I call again. This lady apologizes and said she will have an audit run. I did inform her nicely i would be contacting cfpb if it wasnt resolved. Again nothing Today, XX/XX/XXXX call again. Now i am told by this customer service rep that it doesnt get handled until you have been paying for a year. 

I talked with my mortgage servicer and he told me to contact you as it is illegal for them to hold the money in escrow This is pretty sad and horrible way to treat your customers and all the different stories

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
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 noticed on my credit report some inaccurate accounts/student loans. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  does not belong to me.Pursuant to 18 USC 8, I owe no debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2023-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A hotel reservation was booked on XX/XX/XXXX for the night of XX/XX/XXXX with a 24 hour cancelation policy. I called to cancel on XX/XX/XXXX, within the cancelation policy but I was charged for this room for {$87.00} anyways. 

When I disputed the charge, XXXX would not refund me and Capitalone said they would not provide me a refund on their end either despite providing them the information they requested. Ive been disputing this charge for weeks and they told me they're closing it and I had to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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 following item ( s ) has violated my rights : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-28
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The company XXXX XXXX XXXX files 2 suits against me for 2 Credit Cards that fell victim to Identity Theft. On the recent credit report it shows one of the accounts with a balance of {$0.00} and the other as being charged off. The lawyer working with XXXX XXXX XXXX ( XXXX XXXX XXXX ) has provided no communication about this case after XXXX XXXX. In XXXX I received 5 forms requesting a date to appear in court. 2 of these were mailed from Texas, one was mailed in an envelope with a Judges name and address, and 2 were mailed with a PO box Georgia address but no firm name in the return address. The first item I received was a incomplete form requesting a court date. The other 4 followed but none of them had the stamp of the clerk of the court.on them. I emailed XXXX XXXX XXXX who replied that he and the court sent them. I replied XXXX 's email that I received a total of 5 of these forms, 2 with a PO box return in Georgia, 2 with PO box in Texas, and one from in the envelope with the Judge 's Name and address. Mr.XXXX did not reply to my last email. 
So the other day went to the county website to check on the tax bill to find out that XXXX XXXX XXXX and XXXX XXXX have placed 2 Liens on my home. The Judgement date on the liens is XX/XX/XXXX the same day that the tax assessment bill was processed. However, the liens were not recorded until XX/XX/XXXX ; about 2 weeks ago. 
I have received no word from XXXX XXXX since the email of XX/XX/XXXX. 
And the liens now have had the attorney 's fees added to the total amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I financed a new loan with wells fargo dealer services in XXXX throughout the loan my mother was diagnosed with XXXX XXXX and passed away in XXXX, payments made were spotty, a couple months at a time, made some, missed some etc, in ultimately the truck was picked up by a repossion company, right away I had a buyer for the truck for the pay off like XXXX, was 6 months getting title, but in mean time Ive gotten back on my feet, applied for some loan and the repo/ charge off appears on my credit report. I hire a credit repair company and I dispute the chargeoff as the truck was paid and sold paid in full. They would remove it and place it back on we dispute they remove it and it keeps coming back. My real question or concern is I keep receiveing checks from wellsfargo dealer services for over payment on the truck, and yet the negitive remarks remain on my credit. I have received like 5 checks inthe past 5 years, I would like to see the negitive remarks removed as the truck was more than paid for. 
Thank you 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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been brought to my attention that the Credit Bureaus did not just ignored my request for the removal of the disputed items but has continued reporting the disputed items as verified and correct! This is a clear violation of my rights as a consumer! Under the Fair Credit reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, in my situation, the Credit Bureaus have been ignoring their responsibilities with the Fair Credit Reporting and have claimed that the disputed items are verified without sending me copies of proof of verification. Also, the Credit Bureaus are claiming to have sent me an updated copy of my Credit Report but I tell you, I have received nothing! I am submitting this CFPB Complaint to you today to complain about the Credit Bureaus willful non-compliance with the Federal Statute. With accordance with the Fair Credit Reporting Act section 605b, I am ordering the Credit Reporting Agencies to immediately remove the following fraudulent accounts and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-06
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phone call to wife 's phone number asking to speak to me regarding a debt. They would not tell her when she asked but needed to speak to me about a personal matter. I took the phone and the caller asked for my birthdate, which I should have not given over the phone, but I was told it was about a debt that was incurred. I could not recall any debt and I lost my temper because the individual said that they would like to call me back in a few days which I told them in a not so nice manner that they could not call me back in a few days and I continued to tell them that I would contest the debt with the agency named Security Finance. The individual also kept asking for my address but I refused to give it to them. I still do not remember having a debt with them since it has been a few years back.

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 2019-04-01
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:
I sent in the proper documents and they still didn't delete the accounts that I have on there. 

XX/XX/XXXX {$3800.00} XX/XX/XXXX {$17000.00} XX/XX/XXXX {$5900.00}

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 2022-10-05
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the August 31, 2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your XXXX XXXX. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2020-09-27
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Pursuant to the previous complaint filed against Security Finance, I submit to the CFPB as evidence A Redaction in the attached Cease and Desist Letter I received dated Thursday XX/XX/XXXX. 

In this letter Security Finance admits to a conversation I had with them the day before dated XX/XX/XXXX asking them to cease and desist their phone calls ... Prior to XX/XX/XXXX I had asked Security Finance numerous times to stop calling me a request they categorically and systemically ignored until I took it upon myself to contact their corporate office ... I am putting the content of the letter here for ease of reference as well as attaching it as a file for consideration. 

XX/XX/XXXX Dear Ms. XXXX : This is in response to a request we received from you on XX/XX/XXXX. Pursuant to your request, we have noted in your account below the cease and desist of collection activity and communications ... As permitted by law this letter shall serve as our first communication to you. 

Loan Number ( s ) XXXX Even though you have chosen to end contact on this debt, you are still obligated to to repay your loan. Please contact the branch to discuss your circumstances and arrange for the repayment of this debt. You can reach the branch at the address or number below. 

While we will end all future communications, all applicable late fees, charges and collection costs will continue to accrue on your account. The reporting of accurate data is an essential obligation of Data Furnishers under the Fair Credit Reporting Act, 623 ; therefore, we can not change or dele On Behalf Of : Security Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Security Finance Co. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account number : XXXX Date of Loan : XX/XX/XXXX Original Loan Amount : {$450.00} Amount owed as of today Monday XX/XX/XXXX is : {$540.00} for account # : XXXX This amount owed reflects a payment made on XX/XX/XXXX for {$87.00}

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