BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant to 15 USC 1602 [ a ] that your Company never that your company never provided adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 [ k ] the terms adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation un XXXX XXXX XXXX [ k ]. 

Further pursuant to XXXX XXXX XXXX [ a ] consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end I have not benefited from this transaction which again is a violation of 15 USC 1602 [ p ].

According to 15 USC 1602 [ p ] The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below mentioned things : DELETE THESE ACCOUNTS AND VALIDATE THE DEBT 15 USC 1602G [ 4 ] 08 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, I will not escalate this matter to the Federal Court. in case, you dont accept the above request a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Since XXXX : XXXX. 

ALL RIGHTS RESERVED WITHOUT PREJUDICE UCC1-308

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-04
Company: Experian Information Solutions Inc.
State: MD
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 discovered that then same accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}

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 explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX XXXX  ( bank ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. 
Below are the errors I have identified XXXX XXXX XXXX XXXXXXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2022-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a complaint with the CFPB in response into the false information that wells fargo put in a response for a previous complaint. Today I received a phone call from a rep telling me that she had till XXXX to get back to me. I asked her if wells fargo was going to take responsibility for wasting 18 months of my time and energy for lying and providing incorrect information to me. She said that any punishments would be in house within wells fargo. I asked about compensation due to the treatment from employees that have violated their code of ethics and got no response. How is this fair? They allow employees to treat customers so poorly and get away with it. Wouldn't this be a form of defrauding the customer? I know for a fact that I am not the only one that wells fargo has done this to. Lying to customers, providing false information to customers should all be punished and the customers that have been mistreated should be compensated for their time and trouble. How is it fair to let a company mistreat and abuse customers? Abuse does not have to be physical, but can also be mental. Wells fargo has been XXXX XXXX  me for almost 19 months now, and what? They get a slap on the wrist? I have started asking other online about their experiences with wells fargo and guess what they are not all good. Im sure that the CFPB has been receiving numerous complaint regarding their business practices and their lack of customer service. When is enough going to be enough for the CFPB to do something? When will wells fargo be punished for what they do to customers on a daily basis? I gave wells fargo the chance to make this right. They had every opportunity but they chose to lie to me, they chose to pass me around to over 40 different employees there were ALL on different pages. Misinformation from almost everyone about what was actually going on .It just reinforces the fact that wells fargo does not care about theirs customers. Wells fargo needs to compensate me for the past 18 months of XXXX that I have put up with, all of the mental abuse they put me through, all of the lies that I was told. Enough is enough

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 2023-02-04
Company: Experian Information Solutions Inc.
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:
In accordance to the Fair Reporting Act XXXX Account XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 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 2023-02-04
Company: Experian Information Solutions Inc.
State: NV
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 companies listed below have violated my rights per : 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 XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXXXXXX XXXX XXXX, account ending # XXXX XXXX  XXXX, account ending # XXXX XXXX, XXXX, account ending # XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX account ending # 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 2022-03-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My COVID-19 loan forbearance ended and I applied for a loan modification through my existing lender XXXXPHH Mortgage and supplied all documentation including PDF 's of my paystubs via email on XX/XX/2022 and an updated application on XX/XX/2022 with the paystubs as a separate PDF 's downloaded directly from my US Government employer. 

I followed up with calling XXXX and was told they were not able to read my paystubs as they are " blurry. '' I resubmitted my full application and paystubs again on XX/XX/2022 and via fax XX/XX/2022. Each time I was told the same information, but now they could read one of the paystubs yet needed another as one was blurry.

I spoke with various Ne I received a letter from XXXX dated XX/XX/2022 stating my application for modification was closed due to me not submitting my paystubs. 

I have called XXXX numerous times and am at wits end since I copied myself on each email to them and can read ALL attachments clearly on my phone, home and work computer. I really feel like XXXX is creating imaginary hoops for me to jump through and want to foreclose on my property. 

I called XXXX today and was told I would have to file a new application but I requested they reopen the application. I am awaiting a supervisor to call me to tomorrow regarding this as no supervisor 's were available at the time I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: MI
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:
Ive asked Experian, XXXX  and XXXX  to take my XXXX account out of Dispute. It continues to be in dispute and everytime I call to get it removed it lowers my credit score. The account should not be on my credit report at all 32A district court dismissed this case

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX has reported 11 negative marks on my credit history as default/late/not paid. 1 ) These loans have been paid in full and transferred. 2 ) There is not 11 loans - some loans are marked twice on my credit report rather than once 3 ) these loans are over 10 years old and should not be on my credit report at all.

I've repeatedly reached out via mail to fix this with no reply. When I've disputed through credit bureaus, they've told me the information is accurate and has been verified by XXXX. XXXX XXXX is no longer in business and can not be reached for resolution. 

" XXXX XXXX, a company that collected and tracked federal student loan payments, is no longer active. Its government contract expired in XX/XX/2022, and all loans in the XXXX portfolio have been transferred to other servicers. ''

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 2023-03-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
1 ) The last payment on this Debt is noted as XX/XX/2017. It is past the statute of limitations and should be removed from my credit report. 

2 ) I do not recognize this debt and I have submitted a FTC report attached as well. I am a victim of identity theft and I filed a police report that is notated on the FTC report. Additionally, my identity was stolen in the XXXX data breach and the XXXX data breach. I also was notified by the IRS that my identity may have been used to fraudulently seek employment. Please remove this debt 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 explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: MD
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:
Dear CFPB personnel, I urgently need your help. I have good 750+ cXXXX XXXX both with XXXX XXXX XXXX XXXX but a 680+ score with Experian. 

Both XXXX & XXXX HAVE already REMOVED MY BANKRUPTCY FROM MY CREDIT REPORT ( AFTER 7 YEARS ). Experian has so far REFUSED TO REMOVE MY BANKRUPTCY FROM MY CREDIT REPORT. Below is my letter to Experian : XX/XX/2023 RE : EXPERIAN BANKRUPTCY DISPUTE I have previously disputed US BKPT CT MD XXXX ; Reference number XXXX ; with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. The Bankruptcy clerk stated : THE UNITED STATES BANKRUPTCY COURT DOES NOT ( I REPEAT DOES NOT ) REPORT ANY INFORMATION TO THE CREDIT BUREAUS It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately ( I REPEAT THE BANKRUPTCY INFORMATION ON MY CREDIT REPORT MUST BE DELETED/REMOVED IMMEDIATELY ). 

Sincerely, 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 2023-02-04
Company: Experian Information Solutions Inc.
State: MO
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:
My XXXX XXXX XXXX XXXX is still incorrectly showing me over my balance. My balance is only {$890.00} see attached.

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 2021-04-16
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:
Someone open an account in 2017 in my name and it was open fraudulently I tried to get in contact with XXXX XXXX XXXX XXXX Bank at XXXX XXXX and writing them at their address at XXXX XXXX XXXX XXXX XXXX Utah XXXX ) about the secure credit card that was closed for {$66.00} due balance the account was open and XX/XX/2017 I did not open this account it was done against my will someone stole my identity I have an identity protection number from the IRS as a result please remove this account immediately as it was opened fraudulently. This has already been removed deleted as it has shown it was fraudulent off of my XXXX report I would like for this to be forwarded to Equifax so that this can be removed from my Equifax consumer report as it was opened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a text message from HBSC bank someone was trying to use my card. I was to text back yes or no if it was me then instructed to contact fraud. I contacted fraud department and I was told to destroy my card and a new one will be issued pin will stay the same the Rep said. I waited over the time frame for the card to arrive so I visit one of the local banks in XXXX XXXX NY. I went there to get money not only was I being denied my money because I refuse to sign like my ID signature which I signed when I was XXXX years old and my signature has changed for the past 14 years I have never had this issue. But then finally I was given money out of my account. Then I went to customer service to ask about the were about of my card. I was told they were not sure and I asked for a tracking number and was told there was no tracking number. I said that does not make sense and explained I will be leaving the next for work. I was told nothing can be done and the way I spoken to in front of my son made me really upset. I asked why do you guys not give temp cards XXXXl XXXX and XXXX give cards on the spot then I was told maybe it is best I transfer to that bank. After being with you guys since XXXX I am so upset for the treatment of my own money. Almost a month later XX/XX/XXXX I received my HSBC replacement card. I activated in the morning the same day used the card the same day with no problem. I went to ATM to find out my pin has been changed which I did not request, was not commutated my pin will change and did not received any type of mail about been change. Last night XX/XX/XXXX I had an emergency and went to with draw money which I could not do because my pin was not working. I contacted HSBC bank I was hung up on with firs rep when she said she could not find the card in the system. Called a different rep and I told I was my card is blocked for 24hrs. I explained I needed my card and then I open the app I was charged {$35.00} insuffient funds which is inaccurate I check my account almost everyday and never seen negative or under amount I need to use I am highly upset and I do plan on now leaving HBSC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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:
All this year and all of last year each time I request to view my credit profile I was not allowed to. Transunion had me do several different things which did not help.

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 2023-02-04
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX  on my credit reports show a balance of {$420.00} but is is not XXXX and has not been updated since XX/XX/22.

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