BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-18
Company: Rocket Mortgage, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I applied to Quicken Loans / XXXX XXXX for a VA Loan. At the time, I had a temporary freeze on my XXXX and XXXX reports, but not on XXXX. When they pulled the report, they were unable to access all three bureaus because of the temporary freeze. That day, I temporarily lifted the freeze on both XXXX and XXXX XXXXhru XX/XX/XXXX and confirmed that there was no freeze on XXXX Quicken Loans tried to pull my credit report the next day ( because they said they have to wait 24 hours ) and were only able to pull XXXX At the same time, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX were able to access all three reports. On XX/XX/XXXX, I permanently removed the freeze at XXXX and XXXX, before my temporary lift expired, and again confirmed that there was no freeze at XXXX. I asked Quicken Loans again to pull my reports. They continually say they can only pull XXXX. On XX/XX/XXXX I asked them to have their Technology team make sure there wasn't an issue in their system preventing them from pulling the other two bureaus. On XX/XX/XXXX, they responded that their Technology team has verified that there is no problem with their system. As recently as today, XX/XX/XXXX, they say then can not pull the other two bureaus. On XX/XX/XXXX I called XXXX who confirmed for me that my personal data is correct and that there is no freeze or block of any kind on my report. They stated that if Quicken Loans is entering my name in a manner differently from what they have on file, that could be the problem. I have been unable to reach anyone at XXXX  or at XXXX XXXX to check the same info on my XXXX report. I am currently being denied credit by Quicken Loans on the sole basis on the one bureau they can pull, XXXX, where my score for mortgage is showing as XXXX. Quicken Loans says their threshold for approval is XXXX. Three of the lenders who have successfully pulled all three bureaus have confirmed that my median score is the XXXX score that Quicken can not access, at XXXX. Meaning my XXXX score is also higher. Because Quicken Loans can not access two of the three bureaus, I am being wrongly denied credit that they have acknowledged I would qualify for based on my median score exceeding their threshold. Quicken Loans has told me that because they have tried to pull three different times and only come up with the one score, they can not try to pull my full tri-merge report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion & XXXX has constantly recycled accounts thats been passed statue of limitation or declined to remove accounts that should have been cleared. On several occasions Ive tried to clear items or have been declined. Accounts are being recycled and sold and bought by different companies and new dates are being put on items as if there current or new debts

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 2018-07-31
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 amount XXXX XXXX this debt is not mine, i have contacted the collection company asking them to verify this with a signed document and i have received NOTHING that proves these accounts are mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: EQUIFAX, 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:
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.

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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: CITIBANK, N.A.
State: TX
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:
PLEASE REMOVE XXXX XXXX AUTH USER OFF THE ACCT SS # XXXX : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
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 belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I applied to XXXX XXXX / XXXX XXXX for a VA Loan. At the time, I had a temporary freeze on my XXXX and XXXX reports, but not on TransUnion. When they pulled the report, they were unable to access all three bureaus because of the temporary freeze. That day, I temporarily lifted the freeze on both XXXX and XXXX thru XX/XX/XXXX and confirmed that there was no freeze on TransUnion. XXXXXXXX XXXX tried to pull my credit report the next day ( because they said they have to wait 24 hours ) and were only able to pull XXXX. At the same time, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXk were able to access all three reports. On XX/XX/XXXX, I permanently removed the freeze at XXXX  and XXXX, before my temporary lift expired, and again confirmed that there was no freeze at TransUnion. I asked XXXX Loans again to pull my reports. They continually say they can only pull XXXX. On XX/XX/XXXX I asked them to have their Technology team make sure there wasn't an issue in their system preventing them from pulling the other two bureaus. On XX/XX/XXXX, they responded that their Technology team has verified that there is no problem with their system. As recently as today, XX/XX/XXXX, they say then can not pull the other two bureaus. On XX/XX/XXXX I called XXXX, who confirmed for me that my personal data is correct and that there is no freeze or block of any kind on my report. They stated that if XXXX XXXX is entering my name in a manner differently from what they have on file, that could be the problem. I have been unable to reach anyone at TransUnion or at XXXX XXXX to check the same info on my TransUnion report. I am currently being denied credit by XXXXXXXX XXXX on the sole basis on the one bureau they can pull, XXXX, where my score for mortgage is showing as XXXX. XXXX XXXX says their threshold for approval is XXXX. Three of the lenders who have successfully pulled all three bureaus have confirmed that my median score is the TransUnion score that XXXX can not access, at XXXX. Meaning my XXXX  score is also higher. Because XXXX LXXXX  can not access two of the three bureaus, I am being wrongly denied credit that they have acknowledged I would qualify for based on my median score exceeding their threshold. XXXXXXXX XXXX has told me that because they have tried to pull three different times and only come up with the one score, they can not try to pull my full tri-merge report again.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: LA
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, XXXX XXXX, have been a victim of identity theft, and as a result of the Louisiana Data breach, all of my personal information and credentials have been exposed. I do not have an account with XXXX XXXX XXXX, and my credit report reflects inaccurately. There is an inquiry on my credit report that does not belong to me due to identity theft, and I have no knowledge of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: Bread Financial 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: Account status incorrect

Complaint:
This has been going on since XX/XX/2022, 3 cards were opened with my information when I opened a XXXXXXXX XXXX XXXXXXXX account, my information was stolen, 2 of the cards did their research, XXXX and XXXX credit and they showed stuff sent to my address as well, but packages get stolen in our community every day, it's always happening. Comenidy Bank is the only one who refuses to delete this fraudulant account from my credit, I called them and reported the fraud as soon as I found out it was another account that I didn't open, I have spoken to numerous people in their fraud department over the past year and I am sick of fighting with them, again this is NOT my account, I did not purchase anything on this card. They continue to add interest to the account which is on my credit report, I have enough credit cards, if I wanted something I'd purchase on those, I want this fraud dropped from my account!! I have worked hard with the cards I have to raise my credit score and this account that is fraud needs to be deleted, Ive spoke to XXXX in the fraud unit, he did nothing, I spoke with a XXXX he said he got it fixed, I spoke to XXXX who said they had just had a system update or change and it was a glitch and boxes weren't checked and things weren't done correctly to my fraud account, then after he said it was fixed and noted, I also spoke to XXXX a few times she tried to get me thru to fraud dept, because they never answer, we had no luck either so I spoke to a supervisor XXXX I think her name was and she told me not to worry it was taken care of, but it still hasn't, The company is not listening to what I've been reporting to them for over a year, I NEVER USED OR APPLIED FOR YOUR XXXX CARD I HAVE PLENTY OF MY OWN DELETE FROM MY ACCOUNT ITS FRAUDULENT I am sick of fighting with this company I never received ANYTHING from this place nor did I ever apply for this card I have plenty of my own I don't need anymore and this was reported by me because I found it after we found the XXXX one with someone with my name address and email on XXXX my son had sent me money and it went to that lady, she had all my information and thats when I looked up my credit report to find the XXXX credit and this XXXX bank card was applied for and I called that date to report it, and here I am a year later ONLY fighting with YOUR BANK, ridiculous I NEVER APPLIED FOR THIS ITS FRAUD DELETE FROM MY CREDIT REPORT AND LEAVE ME ALONE!!! ITS FRAUD I NEVER OPENED ANYTHING WITH THIS BANK,!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
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. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Address : 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  Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

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 2023-04-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/2023, I deposited four checks at a Wells Fargo Bank totaling {$17.00}, XXXX. These checks included a check for {$5000.00} drawn from the XXXX XXXX XXXX and another check for {$12000.00} from a different credit union. On XX/XX/XXXX, the checks cleared and the money was withdrawn from the respective credit unions. On XX/XX/2023, a hold was placed on my Wells Fargo account which does not allow me to access the money deposited until XX/XX/XXXX. I need the money on the 10th. I contacted Wells Fargo today XX/XX/XXXX. The first two people I spoke to ( one was the manager of the first ) told me that the money was on hold. The manager told me that the hold was due to the credit unions ' request due suspicious activity. She was unprofessional in her interaction with me. I told her it did not make sense my account showed that the credit unions had released the money on XX/XX/XXXX. Moreover, neither credit union had informed me of any suspicious activity. She was adamant that was nothing she could do. I was transferred to a third person to file a complaint. She told me that Wells Fargo had the money but that the hold was placed nevertheless due the large deposit being suspicious. I told her that I have banked with them for over 20 years and have made large deposits before. I asked her that if making two deposits instead of one or making a series of deposits different days totaling the same amount would have made a difference. 
She did not know what criteria was used or what is typically used since that is not her department. She said there was nothing she could do as the policies are in place to protect me. The deposits were drawn from accounts in my name and I have made deposits from those credit unions to Wells Fargo in the past.

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 2021-01-27
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: Account status incorrect

Complaint:
XXXX XXXX shows 3 paid off accounts at times as paid off satisfactorily ( correct ), and at times as closed delinquent ( incorrect )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim for unauthorized transactions ( XXXX ) with WELLS FARGO. I have yet to have my funds returned to my account. I demand my stolen funds be returned to my account immediately. We already cancelled the card and the new one has been shipped to me.

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 2023-03-16
Company: VW Credit
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a lease for a XXXX XXXX XXXX, 42 monthly lease payments of {$830.00} Audi Financial took the last payment due in XX/XX/XXXX ; the lease terminated in XX/XX/XXXX I submitted a check, which Audi cashed in late XXXX, to purchase the vehicle for {$29000.00} at end of lease Its now XXXX and I still dont have the title, odometer statement, or bill of sale Today ( XX/XX/XXXX ) Audi said its with a third-party vendor for sending me the completed documents, but they werent sure when that would be. 
The agents/employees for Audi have provided bad information such as were short on staff because of covid, were using a third-party vendor and theyre backed up, and Im assuming child care is in issue as one time I called and had to talk over a crying child.

Company response to consumer: Closed with non-monetary relief