BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM A VICTIM OF IDENTITY THEFT. I FILED AN FTC COMPLAINT AND WILL ATTACH THE REPORT. I SENT LETTERS TO ALL 3 CREDIT BUREAUS XX/XX/22 AND XX/XX/22 AND MY REQUESTS FOR VALIDATION HAS FALLEN ON DEAF EARS. I DON'T UNDERSTAND HOW A COMPANY CAN REPORT INACCURATE INFORMATION WITHOUT SENDING ANY TYPE OF VALIDATION ESPECIALLY WHEN IT'S BEEN REPORTED THAT THIS IS POSSIBLY A FRAUDULENT ACCOUNT. PLEASE HANDLE THIS IN A TIMELY MANNER AND REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recieved a loan for a XXXX XXXX  from Toyota finance services in XX/XX/2020. I paid off the loan early using their web feature to calculate the remaining balance in XX/XX/2020. The remaining remaining for the load was {$0.00} as was reflected on the XXXX and XXXX billing statements. Toyota incorrectly reported my loan as 60 days delinquent to the credit reporting agencies. Toyota has refused to correct this error. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion has ignored, rejected, violated my rights according to the FCRA of me being a Victim of Identity Theft. To ignore my official documentation showing who committed the Identity Theft against me. TransUnion has ignored these Identity Theft accounts of XXXX XXXX and XXXX. 

TransUnion is violating the law and my rights on a daily basis. Dealing with an Identity Theft account I have been disputing for months. By TransUnion doing this to me, they are doing it to other consumers that rely on their credit, especially those that are Victim of Identity Theft. TransUnion has totally violated, ignored, and denied my legal dispute letters for months. Especially a consumer that is a Victim of Identity Theft. TransUnion has NOT followed Section 605B of the FCRA. I have followed Section 605B of the FCRA in supplying all documents needed to be in accordance and in compliance with Section 605B of the FCRA of Identity Theft. TransUnion has denied Section 605B of the FCRA. Here is a summary of the key provisions of Section 605B : 1. Blocking Information : If a consumer submits an identity theft report to a consumer reporting agency ( CRA ) stating that information on their credit report resulted from identity theft, the CRA must block that information from their credit report. This is aimed at preventing fraudulent or inaccurate information from harming the victim 's credit. 

2. Duration of Block : The CRA must block the information within four business days after receiving the identity theft report.

3. Notice to Furnishers : Once the CRA has blocked the information, it must promptly notify the furnisher of the blocked information, which is typically the creditor or entity that provided the disputed information to the CRA.

4. Duties of Furnishers : The furnisher is then prohibited from reporting the blocked information to any other CRA without notice that the information is disputed and may be fraudulent.

5. Extension of Block : The block on information can be extended upon the consumer 's request or based on
certain criteria.

Section 605B is an important provision for victims of identity theft, as it allows them to take steps to prevent fraudulent accounts and information from damaging their credit reports. If you believe you are a victim of identity theft, it's important to follow the procedures outlined in the FCRA, including providing an identity theft report to the CRAs to block the fraudulent 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 non-monetary relief
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion has denied my Identity Theft Police Report that includes the person name that committed Identity Theft against me, Identity Theft Report from the Federal Trade Commission, and the Fair Credit Reporting Act ( FCRA ). TransUnion has ignored and denied my rights that protect me and my credit report/file of being a victim of Identity Theft. TransUnion has communicated to me that they are bigger than the laws that govern them of the Fair Credit Reporting Act ( FCRA ). TransUnion has ignored and denied 15 USC 1681C-1 ( FCRA Section 605A ), 15 USC 1681C-2 ( FCRA Section 605B, FCRA Section 609 ( e ), FCRA Section 605C-1, 15 USC Section 1681, 15USC Section 604 ( 2 ).

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 2023-10-30
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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$21000.00} XXXX XXXX XXXX 
Reported : XXXX XXXX, XXXX {$2100.00} XXXX Reported XXXX XXXX XXXX, XXXX {$1200.00} 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 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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2018-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am being audited by the IRS for tax years XX/XX/XXXX and XX/XX/XXXX. 
I had a credit card relationship with three companies during that time. 
Capital One, XXXX XXXX, & XXXX XXXX XXXX XXXX XXXX. 
I used credit for personal and business purposes. I ran into a tough stretch of time monetariliry that caused me to be late and eventually have to stop paying the credit card companies. 
I am currently in collection with all three. 
I am asking for credit card statements for XX/XX/XXXX -XX/XX/XXXX for all three companies. 
I have mailed certified letters. 
Sent email requests and called. 
Each time i am either hung up on or transferred to a collection company that keeps me on hold for hours and says they dont have the credit statements. 
I was moving my place of business and misplaced all these documents. Now i desparataly need them XXXX XXXX SSN XXXX I am asking for copies of statements from these three companies My wife XXXX XXXX 's SSN XXXX name was on the XXXX XXXX XXXX XXXX XXXX card I have deductions I could prove but am unable and these three companies - due to the fact that i still owe them money refuse to help/acknowledge/assist me in my mission to recover the statements from XX/XX/XXXX XXXXXX/XX/XXXX Please assist me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX my previous business address was XXXX XXXX XXXX XXXX XXXX Nv XXXX they may have mailed statements there when i had the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 there were three fraudulent transactions made to my bank account which resulted in a total of almost XXXX dollars which I had not authorized. The same day the fraud was commited, not even 20 minutes after I arrived at a Chase bank and made them aware of the situation. One of the representatives there cancled my account on which the fraud had occured on and made me a new account. Which the next day appeared to had transferred over the fraud into my new account. When I tried again reaching out to chase no help was provided. So when I went to the police department to make a report they asked that I bring in a dispute form which Chase refuse to give me multiple times and till this day I have not recieved that form. Which did not permit me to move forward with the investigation.Also when I called Chase and their team including their executive office I was told many times that there was nothing they could do for me and refused to give me any information that could help me. The only information I was given was by Chase was that the transactions were made to a XXXX XXXX account. Which I reached out to XXXX XXXX and they told me that the information of the account could only be given to the police and inorder for me to allow the police to work on my case they needed the dispute form for the fradulent transctions. That like I mentioned before I was denied. They also just keep saying that there is no way that they can prove that it was a fraud when it clearly was and also refuse to give me a dispute form for those transactions so I can bring to the police inorder to prove its a fraud and I can sign under a judge that I have nothing to do with the fraudulent transactions nor do the two other individuals on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
According to the IRS when a debt is charged off by a creditor, it means the creditor has given up on attempting to collect the debt and declared it as a loss for tax purposes. 

When a creditor charges off a debt, theyre required to file a 1099-C form with the IRS, which reports the amount of the canceled debt as income. This means that I may own taxes on the charged-off amount, even though I didnt receive any money from the creditor.

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 2019-09-14
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: Account information incorrect

Complaint:
I contacted XXXX and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and XXXX bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XX/XX/XXXX {$250.00} were paid to XXXX XXXX/XXXX but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XX/XX/XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.

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 2022-06-14
Company: EQUIFAX, INC.
State: TN
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 am writing in reference to XXXX Account # XXXX. XXXX was able to remove this account. What are you showing that proves and keeps you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: WLCC
State: WA
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:
On three occasions I have asked them to stop calling me at work because I can not take personal calls. They called on XX/XX/XXXX and when I asked why they were calling me at work, they said its because I only respond when they call me at work. I finally read a supervisor who blamed the repeated called on their autodialer. This is an unlicensed illegal lender in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Myriad of issues with this bank. Problem started Sunday XX/XX/22 when I received a fraud alert on my account. I? asked the representative to allow me time to go to the bank to withdraw funds prior to shutting down my debit card, and was refused. They told me I could use the digital wallet on the app. When I attempted to use it, I was told I was ineligible for it, and would have to send money via XXXX to another person and have them withdraw it to access my money. The bank then refused to issue a temporary debit card until the new one arrived. I then deposited a check on Tuesday XX/XX/22, and was told that XXXX of the funds would be available on the XXXX, and the remaining XXXX would be available on the XXXX. Later the same day I was told the entire check was being held until the XXXX. I attempted to call the bank multiple times, and was hung up on multiple times. The check was from the XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, a XXXX check. I withdrew the funds so that I could fund a move, and now do not have access to the funds to do so.

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 monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
No knowledge of a XXXX XXXX secondary company. XX/XX/XXXX No knowledge of credit bureau associated XX/XX/XXXX No knowledge of 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On several occasions I have reached out to all three credit bureaus & the companies as well as collection agencies to try and resolve said issues. I have provided the companies and bureaus with not only medical documentation, but I have submitted everything to them to dispute and show proof these debts are not me. Since the middle of last year in XXXX I have reached out to them to get these situations settled and removed from my report and to stop the harassment, intimidation, excessive phone calls & letters. I am not sure what else to do at this point I do not know who did this and stole my identity & setup accounts but just cause the mail arrives at a certain address does not mean that person opened that account. I get mail at my address for a person who has never lived here so I am saying as a XXXX veteran who served this country honorably and someone who takes pride in their reputation I want these accounts and the adverse notes and scores inquires in all removed from my credit report and for the companies to stop calling and sending letters to me for credit cards, loans, and such things that I did not open and nobody in my home opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded 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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Uder the FCRA section 605b, please remove the following items from my Credit File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, so please comply with the law.

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