BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. All these accounts listed above. Has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
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 https : //www.ftc.gov 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-26
Company: Experian Information Solutions Inc.
State: MI
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:
Experian is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt notice of dispute to furnisher of information. 
( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. 

On XX/XX/XXXX and XX/XX/XXXX I received dispute completion notices from Experian stating that my information remains, after I initiate a dispute of their reinvestigation process knowing that they did not contact US Bankruptcy court in reference to inaccuracy of bankruptcy listed on my credit report. I stated that Experian is in violation of said law : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Record details Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX -This date is incorrect/inaccurate Date resolved XX/XX/XXXX -This date is incorrect/inaccurate Responsibility Individual Reference number XXXX -this number is inaccurate Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX Address XXXX XXXX XXXX XXXX Record details Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX This date is incorrect/inaccurate Responsibility Individual Reference number XXXX - this number is inaccurate Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from 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 2021-07-30
Company: Bread Financial Holdings, Inc.
State: PA
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:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I sold a personal item online the buyer wanted to use CashApp. I did not have experience with this app. I preferred XXXX or XXXX. The customer had experience with CashApp and supported them. I sent her a payment request for {$380.00}. Cash App removed the money from her account and never placed in my account. They then said my credit limit needed to be increases to accept the transfer. I had to ask her to send {$420.00} which cash app said they would replace into my account plus the original {$380.00}. This was done on both buyer and seller side. I then had to verify my identity which I did. Sent them drivers license and SSN. 72 hrs later i am out {$800.00}. Cash App has been unresponsive

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
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 information incorrect

Complaint:
I have a student loan through the servicer XXXX, opened in XXXX, which I paid off and closed XX/XX/XXXX. My monthly statements began in XX/XX/XXXX. I paid above the minimum payment every month until account closure. My credit, however, does not show the correct information for either Transunion or XXXX. 

With XXXX, this loan is not shown at all. I have had incredible difficulty submitting a dispute or contacting XXXX, and so have not had any contact with the company at all. I attempted to call XXXX at the number listed online ( XXXX ) on XX/XX/XXXX -- whoever answered asked me very personal questions, including my full home address and full SSN. He also texted me a verification code and asked that I give him the number. I stated that that behavior was strange, and I was nervous about being scammed. He said, " I need this information to verify your identity ''. This seemed very odd, so I hung up and have not tried again since then. 

With Transunion, I have submitted two disputes. At first, the loan showed at full balance, no payments, as of XX/XX/XXXX. I submitted the first dispute on that date, providing screenshots of payments and {$0.00} balance. The results of that dispute, ready XX/XX/XXXX, still led to inaccurate reporting -- the loan showed as closed, with payments of {$0.00} made from XXXX. I submitted the second dispute on XX/XX/XXXX to argue against these changes. The results from the second dispute, sent on XX/XX/XXXX, stated that the published information was correct and would not be changed. 

I called XXXX on XX/XX/XXXX to state that my payments were not being accurately reported to the bureaus. The representative stated, " There is no credit reporting on this account. You should reach out to the credit bureaus, '' and that there was nothing to be done on XXXX 's side.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2021-07-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with XXXX Lakeview Loan servicing LLC., I recently again had my payments raised and can not contact them. I have called and emailed them and have not had any results. Lakeview sent a letter stating that my escrow was short again due to the following reasons and why my escrow increased my mortgage payment. # 1. The projected amount at closing increases or decreases Closing was 5 Five years ago! # 2. Property taxes increase or decrease. I have a letter from my county stating my property increased in value but my taxes remained the same! # 3. Homeowners insurance increase or decrease. I spoke to my insurance agent and my insurance has not changed at all. # 4. Change insurance company I have not changed insurance company I have the same insurance company. # 5. We pay delinquent taxes on your behalf., I have not been delinquent on any taxes. So none of these reasons apply and I can not get any response from Lakeview Loan servicing LLC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I moved from XXXX XXXX XXXX XXXX, but before I did XXXX XXXX XXXX XXXX were paid in full by Texas XXXX XXXX. They still fraudulently attempted file eviction, which did not work. Instead they have forged a document. This fraudulent document simply says they were awarded possession of the apartment, however I had already been moved out before this time. The document they sent me ( which is unauthorized by the courts ) says awarded possession on it, but somehow they have put specific amount of {$1100.00} on my credit profile. The document was also proof of fraud as they attempted to backdate it. If this were real there would be a judgement in the courts, which there is not. Now the XXXX XXXX XXXX are furnishing this unauthorized fraud. 

The XXXX XXXX XXXX are furnishing fraudulent accounts. I have no agreement with this company and the agencies have no authority to report these acts. 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are a violation of Federal Law. Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) in general, subject to subjection ( 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 have never given written consent to report any of the accounts listed. There are much more violations than those currently listed. This will be my modest demand to the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. This is causing me to face discrimination in my housing search. This stress and mental anguish from this situation is causing me harm. Failure to immediately remove this fraudulent account will be accepted as willful breaking of the law and will be legally pursued as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I each have checking accounts with TD Bank. Since XX/XX/2022, we have been attempting to make various deposits into our accounts and TD Bank does not recognize them. These deposits have included teller deposits of checks ( which the bank lost and claims to have no record of receiving ), multiple wire accounts ( including wires from XXXX TD Bank account to our accounts ) and the bank claims not to have received them. In XXXX instance, we had the investment fund who wired the money to the account confirm that TD had accepted the wire, processed it and it was listed as " pending '' with TD. TD advised me that it has no record of having received this wire and I should take the issue up with the investment firm. The wire was sent XXXX month ago, and TD Bank has no record of it. In the meantime, TD Bank has charged me and my wife multiple overage fees and rejected debits because it has failed to list the deposits in our account as pending. There are currently over {$300000.00} in deposits that TD Bank is withholding from us. This has caused IMMENSE issues for me and my wife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
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: Problem with personal statement of dispute

Complaint:
I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my XXXX website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but XXXX reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the 2 loans I have with XXXX. 
Please have them remove these false errors on my credit report from both loans. Thank you

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 2022-10-10
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:
My name XXXX 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 2023-01-23
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give my consent to report late payments to any credit bureau for credit reporting. It is also a breach of my privacy. Please see 15 U.S. Code 1666b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have identified several items that I believe are inaccurate, and I request that you investigate these items and take appropriate action to correct or remove them. 

Firstly, I have no recollection of authorizing the credit pull by XXXX  and XXXX on XX/XX/XXXX and XX/XX/XXXX, respectively. Therefore, I demand that these inquiries be removed from my credit report. 

Additionally, several inquiries were made without my authorization, including inquiries made by XXXX, XXXX, XXXX XXXX XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. As these inquiries have reached the statute of limitations, I request that they be removed from my credit report. 

Furthermore, I dispute the accuracy of several accounts on my credit report. Specifically, I request that you verify the payment status, balance, comments, payment history, and account number for the following accounts and either fix or delete them from my report completely : XXXX ( account number : XXXX ), XXXX  ( account numbers : XXXX and XXXX ), and XXXX XXXX ( account number : XXXX ). 

I also dispute the account reported by XXXX XXXXXXXX XXXX, XXXX ( account number : XXXX ) as I have no record that this account belongs to me. Therefore, I request that this inaccurate information be removed from my credit report immediately. 

Finally, I request that you investigate and correct the incorrect late payments reported on my XXXX ( account number : XXXX ) and XXXX XXXX ( account number : XXXX ) accounts. These accounts were reported as updated, but the same incorrect information is still being reported. 

Thank you for your attention to this matter. I expect a prompt response regarding the action taken to correct the inaccuracies on my credit report. 

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 non-monetary relief
Consumer complaint received 2023-05-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On or about early to XXXX 2022 my husband and I went into 5/3 bank to talk about a check that was being held without clearing, the branch manager at that time XXXX XXXX talked to us and convinced us to do a business line of credit and it was in the amount of {$64000.00}. 
XXXX XXXX told us that the interest rate would be low around 6.07 % ( 3.07 % rate and 3 % prime ) and our monthly payments should not go above $ XXXX {$400.00} or around there even when we pull the full {$64000.00}, which we could afford. XXXX then mentioned that there would be a One time fee of {$170.00} for processing etc., which we were also okay with. 

There was an issue and she could not print the documents for signing right there but told us that they would be emailed and we could sign, but that everything we discussed would be the same on the documents. 

Then XXXX told us that we would have online access and a debit card for this loan, its been over a year and we are yet to receive the debit card nor have access to the credit line, even after many requests to her and even other managers ( other managers after XXXX left the Bank ). Fifth Third uses a point system for their employees that they have to meet on a monthly basis, this is what causes deceptive lending practices and fraud ( our XXXX  used to work for XXXX XXXX ) Needless to say, month after month after month the rate keeps going up, we are up to 11.07 % which is another thing, XXXX never said it was an adjustable-rate loan, she said it was a fixed rate. The one time {$170.00} fee is NOT a one time as they just took out the {$170.00} for this year, so this fee is yearly as long as we have the loan. 

We would like this fraudulent and deceptive issue to be investigated and the loan to go back to we were originally told including removing the $ XXXX  yearly fee and/or forgive loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Most recent was XX/XX/23 but several times TransUnion is refusing to delete a complete fraudulent account even tho it was removed previously but when it went into collections it got re put on

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