BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account has been reporting on my credit report every since XXXX of XXXX and this is XXXX of XXXX and still is reporting the statue of limitations in Tennessee is 6 years and on top of that I asked them to verify this is my account with a signature and have yet to receive that only thing that they send out is a bill.

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 2023-03-13
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX8110. 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. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX//2023 its been incorrectly reported that I owe a balance of {$67.00} to XXXX XXXX XXXX. I have never done buisness with XXXX XXXX XXXX. In the past nor in the present. I have no verbal or written agreements with XXXX XXXX XXXX whatsoever. Which has been stated to Transunion several times as this is an attempt to collect a fraudulent debt. No investigation has been conducted despite my request for valid verification by documents. This is a clear violation of my consumer rights under the FCRA 15 usc 1681. It has ruined my stellar credit caused me stress has me in a current state of XXXX.I would like this matter corrected immediately as it is damaging my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Under FCRA to note consumer statement requirement. 


Equifax in reporting to my credit file to note my consumer statement and dispute against XXXX  Card  Servicer to XXXX XXXX  XXXX, XXXX, accounts numbers XXXX and XXXX, for violating Federal Laws : 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) and Hide the Securitization Requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are many medical bills listed on my EQUIFAX account in collections such as optimum outcomes and a few more. However XXXX and XXXX have both removed them due to the hippa violation act! I have tried several times to get the items from collections removed by using 609 letters and HIPPA letters but nothing has changed. My next step will be to take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a Victim Of Identity theft with These Accounts XXXX XXXX  open Dates XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX  XXXX XX/XX/XXXX {$3600.00} Please close these Accounts Due to Fraud I Did not authorize accounts to be open

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 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was paid in a check from " XXXX XXXX '' on XX/XX/23. I cashed the check IN PERSON at a Bank of America Branch in XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX XXXX on XX/XX/23. The check total was {$500.00}. On XX/XX/23 there was a debit reversal for the full check amount of {$500.00} stating there was a duplicate deposit. That is impossible, as the check was cashed, not deposited. BoA stated that the check was cashed on XX/XX/23 and then renegotiated at XXXX XXXX XXXX XXXX  on XX/XX/23. I do not have an account with XXXX XXXX XXXX XXXX, nor was I given the check back after it was cashed. 

BoA has now refused to continue their fraud claim as they insist that I ( the customer ) have to reach out to the company that paid me back in XXXX to reissue a new check. BoA has stolen {$500.00} from me, closed all cases, and refuses to help get my money 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 2023-03-29
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I send a dispute letter and a CFPB complaining about a 30-day late payment reporting on my credit report by XXXX XXXX  XXXX on XX/XX/2022 I send the proof of I make the payments on time, and yet they still reporting wrong on my credit report. I also ask for de independent investigation methods they use and they only use the information the creditor shows violating my right. Please take action on this mater.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-03-20
Company: EQUIFAX, INC.
State: MO
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:
n accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The original debt was part of a court case in DC XXXX XXXX, XXXX XXXX, XXXX LTB XXXX. It resolved around landlords accusation of rent owed and tenants countersuit of discrimination based on XXXX orientation and disabity, plaintiff not providing a safe environment and other issues. The case was originally settled and I have in my possession a letter from XXXX XXXX XXXX, the original creditor, dated XX/XX/XXXX stating that rent was paid up to date. The case was then dismissed by the original creditor between XX/XX/XXXX and XX/XX/XXXX. There was no additional court filings by the original creditor and neither myself or my attorney 's have heard from the original creditor since. 

In XXXX of XXXX, I learned of a collection on my credit report from FAIR COLLECTIONS AND OUT. I had not received anything from them prior to this discovery. I filed a dispute with XXXX XXXX and apparently Fair Collections provided proof that the debt was accurate. If they in fact have documentation stating so, it is fraudulent. 

Again, the court case surrounding this debt was dismissed by XXXX XXXX XXXX and XXXX XXXX XXXX never contacted myself or my attorney 's after the dismissal. Any claim of debt owed to XXXX XXXX XXXX would require specific documentation mailed with a itemization of supposed debt, allowing myself to dispute any claim, per DC Landlord/Tenant Laws. 

The account at Fair Collections, opened XX/XX/XXXX is only approximately 30 days after the original court case was dismissed. This short time would not provide the time for any legal procedure for the claim of debt owed and response, if such a claim had actually been received. I have received nothing from the original creditor or from Fair Collections and Out regarding any supposed debt owed.

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 2023-03-29
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:
FRAUDULENT ACCOUNTS XXXX ) XXXX XXXX AMOUNT $ XXXX XXXX XXXX ) XXXX AMOUNT {$320.00} DATE XX/XX/XXXX FRAUDULENT INQUIRIES XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES XXXX ) XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX N aacordance with the fair credit rereporting act These have 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 intructions

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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the 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 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Transunion is reporting a two open fraudulent accounts XXXX XXXX XXXX, XXXX as past due and XXXX XXXX XXXX collection account on my credit report. I disputed this fraudulent account XXXX, 2019 and XX/XX/2019. At this time it was with a different collector called XXXX XXXX XXXX. After disputing this fraudulent account with the XXXX XXXX XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX a new collection agency. Even with a different account number it seems Transunion and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XXXX credit card that is also reporting on my credit report. I disputed these fraudulent accounts and the XXXX XXXX XXXX and XXXX credit card remained on my report however the XXXX inquiries disputed as fraud were removed. How can Transunion agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of Transunion being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!

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 2023-03-29
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:
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 non-monetary relief
Consumer complaint received 2022-03-20
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our home was built in 2020 and we took possession in XXXX of that year. Shortly after this Freedom Mortgage purchased our mortgage. We were with Freedom for about 4 months when they contacted me and said a refinance was available to a lower rate. We started the process for the refinance and the monthly payment was significantly lower that what we were paying at the time so we went with it. My assumption, not knowing much about it and honestly, not reading all the paper work was the interest rate reduction coupled with what we had already paid the principal amount down to had lowered our payment that much. 

What I didn't realize is that Freedom had estimated our annual taxes for escrow to be {$1200.00} dollars for the entire year. This was the main reason our payment had dropped so much. There isn't a house in our county that is the size ours is that pays anywhere near {$1200.00} a year in property taxes. Our actual property taxes that we owe annually is generally between XXXX dollars. This gross underestimate on the part of Freedom resulted in our owing now close to 10,000 dollars in escrow fees to bring us back up to date in our escrow account.

Now admittedly, I understand that I should have asked more questions or read the fine print in all of those mortgage papers and there may not be anything you can do for my situation, but my concern is this is a common practice with Freedom or other mortgage companies. My concern is they are grossly underestimating the taxes in hopes that the buyer or refinance customer will not read all of the fine print and take the bait so to speak all in an effort to make a sale or refinance. The way that they estimated so grossly incorrect on our annual taxes is what makes me suspicious. 

I contacted the company to see what could be done and they said not much. They were willing to spread out the back escrow amount over 48 months so I am taking that option but nothing else could be done according to them. Thank you for your time and any help in this situation.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit reporXXXX XXXX XXXXXXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX  : {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$300.00} XXXX XXXX  XXXX XXXX XXXX : {$30000.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$300.00XXXX XXXX XXXX XXXX XXXX  XXXX {$30000.00} XXXX XXXX XXXX : {$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 non-monetary relief