BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-05-26
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:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 mailed these credit reporting agencies a letter on XXXXtelling them that these accounts listed were fraudulent, but they still kept the on anyway. they were supposed to remove them after 4 days of receipt of my letter under 15 USC 1681c-2. to this day XXXX XX/XX/2021 XXXX, these fraudulent inaccurate accounts and inquiries are still appearing on my credit report. over 30 days have passed, under the FAIR CREDIT REPORTING ACT, the bureaus was to have completed the reinvestigation of disputed information within 30 days. the 30-day mark has come and gone without any response from their office. I am asking the CFPB to please take charge so my consumer rights can be justified with proper remedy.

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 2021-06-19
Company: Experian Information Solutions Inc.
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:
I know nothing about who or what this debt is about. All debts that I did have were forgiven and or taken over ( by court order ) by my ex husband. Ive disputed this debt several times. & according to my report this debt is appriximately 15 yrs old. 
This company continues to harass me for a debt that isnt even mine.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX : {$34000.00}

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 non-monetary relief
Consumer complaint received 2021-05-20
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute a account fraudulently opened in my name. I am a victim of identity theft and did not open this account # XXXX with Security Credit Services. I am not responsible for any payments for this account XXXX. I have no business with Security Credit Services. Security Credit Services is " third-party debt collector ''. I do not have a loan or contract with Security Credit Services or owe a debt to Security. Security Credit Services is attempting to collect a debt on the basis of fraud. Security Credit Services decided to ignore my demands for Validation with Notice and Demand to Cease and Desist Over the past several months, I have tried to resolve this issue on XX/XX/2021 letter to CEO but to no avail, refusal. Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) XXXX copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with Security Credit Services of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I request that you immediately CEASE and DESIST all actions with me. Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all actions with me. With this notice, under the law, you can now only contact me to : To advise me that your company 's further efforts are being terminated ; To notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or Where applicable, to notify me that your company intends to invoke a specified remedy.unjust enrichment, fraud on the homeowners and consumer. Security Credit Services actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is Dishonor in commerce, Fraud, Conspiracy, and Racketeering.I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to Security Credit Services. I have attempted to resolve this matter formally before filing a complaint and lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 without 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 Bum. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: STERLING JEWELERS, 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: Account information incorrect

Complaint:
Jered account # XXXX is reporting still that I was late on making a payment and informed me over two years ago that they were going to correct it and report it. The account show one late payment still as of today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX XXXX XXXX, the decedent, has a mortgage loan with XXXX XXXX XXXX XXXX. The house is titled in the name of her trust. I am the acting trustee and also the person named on the will as the executor. I have been paying the monthly mortgage out of my business account and billing the client trust account for repayment. Meanwhile, the checks are being cashed, but not being applied to the loan. The bank is continuing to send delinquent notices and refuses to tell me what they are doing with the checks that are being cashed. 

They are refusing to give me any answers until they have all of the IDs of the successors in interest of the property, ie the beneficiaries. I am the representative of those successors in interest as the trustee of the trust. The credit union is refusing to work with me and provide me with information on the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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 is missing that should be on the report

Complaint:
I reported a case of fraud on my XXXX XXXX credit card to CFPB, XXXX # XXXX. Though CFPB 's intervention resulted in a XXXXXXXX XXXX investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. XXXXXXXX XXXX should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at XXXX XXXX. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from XXXX XXXX, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. XXXX XXXX  has mishandled this entire matter from the beginning.

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 2022-11-03
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:
to my knowledge I'm dealing with inaccurate incomplete and misleading information on my credit report that this company failed to thoroughly investigate. Anything being reported about me should be reported 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 2021-05-20
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: Public record information inaccurate

Complaint:
I've filed several disputes with the credit bureau and even after Ive placed a credit freeze on XXXX. I contacted XXXX  and they stated that they havent verifed any information since the credit freeze. I went back and requested to know where they verified and they told me thru the bankrupcy court. So I called them and they stated they dont verify or give out information to third party. The agent hung up on me several times and refuse to properly remove this off my credit.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: In progress
Consumer complaint received 2021-05-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Below is my copy the XXXX servicer. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Regarding : Account # XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX Ca XXXX Loan investor : XXXX XXXX Im not sure how far the predatory lending and financial abuse has to go and to how many government agencies I need to file complaints with, but if you do this to me you do to others. 

I received a call today XX/XX/XXXX from XXXX XXXX XXXX who claimed that PennyMac spoke to the investor and I did not qualify for the forbearance extension through XX/XX/XXXX because Im late over 15 months, even though I have a letter dated XX/XX/XXXX from Penny Mac stating that I do qualify until XX/XX/XXXX. 
The supposed reason for my POST DENIAL is that your company claims that I have been late 15 months. And if you want me to agree it is because YOUR COMPANY HAS refused to accept my payments from XXXX through XXXX OF XXXX with my ATM XXXX XXXX card ), If it wasnt for your companys refusal to accept my payments Im full within the timeline of the Cares Act that was extended until XX/XX/XXXX for the Pandemic Forbearance. 
My next step after the call : I reached out to XXXX XXXX and spoke to XXXX who opened a new case in addition to that she shared that my previous ( complaint ) case with XXXX XXXX was closed because I had failed to submit my financial application to the servicer for the loan modification and that the last communication with PennyMac was on the XXXX of XXXX. 
What happened to the application I faxed on the XXXX of XXXX??? why did you not provide that to the investor? I did provide the information for the Modification that was due by the XXXX of XXXX and your institution just refused to forward it to the investor. 
Instead your predatory institution sent me a denial letter on XX/XX/XXXX claiming that I had withdrawn my modification request. WHEN DID I DO THAT????? 

ARE WE BACK TO XXXX?? 

Dont be deceitful and dont lie to the investor. 

I demand that this be solved immediately, As I stated on my prior letter to you MR XXXX I have my senior parents ( XXXX & XXXX ) living with me and I wont let you take our home from us. 

XXXX XXXX CC : XXXX XXXX XXXX XXXX  XXXX XXXX Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: AZ
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 submitted disputes to Experian, XXXX XXXX, XXXX on XXXX XX/XX/21 for an unknown collection acct appearing on my credit reports. All three agencies verified the alleged account. The collection company is listed as XXXX XXXX XXXX which is also shown as XXXX XXXXXXXX XXXX. This company has not responded to written request for information, I don't believe this acct exists .I don't know who they are collecting for. I have excellent credit and don't owe any outstanding debt. All three credit bureaus continue to report this unverifiable, inaccurate account in violation of federal law. I have attempted to resolve this and have been ignored. The furnisher has not responded to written requests either.

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 2021-05-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had an ongoing issue with Wells Fargo. Just about every other time I use my debit card for transaction it declines. The place a fraud alert on your card. Then sometimes take hours to send a text for verification. This has caused me to have to file several disputes. Because once the transaction declines I almost always use another form of payment. Then once I get home to check my account the transaction has gone through anyway. This has become a huge issue for me and frustrating. I am on a fixed income and can not afford to have to wait to get credited money that shouldn't have been taken. I am currently dealing with an issue where a resort took a deposit on my card. I saw the money leave and never saw it returned. Wells Fargo claims that the hold was just released but refused to show me any record of this occurring. I spoke to a manager in their dispute department named XXXX. He told me that he can see it being and held and it being released. I asked XXXX for the date or some record of this occurring. He told me to go to a branch and sit down with a banker to work out this discrepancy. Why couldn't he simply give me a date? This is not a good business practice. I simply want a resolution. They are causing me a hardship because every week just about I have to dispute something.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 sent out dispute letters to each Bureau Experian, XXXX, XXXX regarding the inquires listed below. I also attached my FTC report I filed regarding these unauthorized inquires. They have not responded to me regarding this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached proof of my dispute letters to each company Experian, XXXX, XXXX and also The FTC report regarding the unauthorized inquires.

Company response to consumer: In progress