BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-05-31
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2022 someone applied for credit through XXXX  XXXX. Under my maiden name. Which obviously I dont use as its no longer my name. I called XXXX XXXX they said they would remove it they also inform me that I need to call XXXX XXXX XXXX and Experian to report the fraud and to also lock my accounts. XXXX was the most difficult they refused to remove it even though I am a victim of identity theft. The all said that I need to have a police report I dont even know how to go about getting a police report for something that wasnt even in my state.

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 2022-05-31
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:
There is 30+ mistakes on my credit report! I have highlighted the mistakes. I have also sent 3 dispute letters but there has been no change! I have attached all documents. Thanks.

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 2023-09-01
Company: EQUIFAX, INC.
State: CA
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:
This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have credit alerting provide by XXXX  ( XXXX ). I received an email notification XXXX19 that a company called COMENITYCAPITAL/BUILD had made an inquiry about my credit. I have no idea why they would have done so. I locked my credit using my XXXX  account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was transferred to Truist on XX/XX/2022, with our first mortgage payment being due on XX/XX/2022. At the time our mortgage transferred, we had money in our escrow account to cover the quarterly property tax bill, due XX/XX/2022. Before our first mortgage payment, we called Truist to ensure that the tax bill would be paid out of our escrow account on or before its due date ( XX/XX/2022 ) and we were assured that it would be paid. It was never paid. 

On XX/XX/2022, we received a demand notice from our city for our now delinquent property tax payment due XX/XX/2022, with interest accruing daily and a late fee. We called Truist immediately on XX/XX/XXXX to sort it out, spoke with no fewer than 5 different people and 3 different wholly inoperative machines who were incapable of giving us a direct answer. To be specific, the machines were unable to accept any input, i.e., it would repeatedly ask to enter the account number and then would be unable to read the account number input on the keyboard -- this resulted in hearing a continuous unhelpful loop with no potential to speak with a person or even machine that could help. Further, there were two instances where they transferred us to completely wrong numbers. In other words, they were trying to push us off the phone as they were unable to give us a straight answer or any answer at all. 

We have the money in our escrow account to cover the property tax bill and they told us after we were finally able to speak with someone who knew what was going on that ( 1 ) they did not know taxes were due quarterly in our state, ( 2 ) they would open an investigation as to why they failed to pay them and ( 3 ) to call back on XX/XX/XXXX -- 10 days after the demand bill is due and a month and a half after it was supposed to be paid -- to see if they are able to pay it, but that we could also call next week to speak with someone in their tax department. We then called on XX/XX/2022, and they again provided no information. They said they were unsure what happened and would investigate but not that they would pay our taxes out of our escrow account by the due date. Finally, they communicated to us that their mortgage department and tax department are separate and that while they have the information about our loan in their system, they never took the steps to set up the tax payment that they were required to. Our money to pay these taxes is sitting in their wallets and they will not allocate it to our property tax bill. We are now facing the city putting a tax lien on our property and a mortgage servicer who does not even understand the basics of our mortgage. Truist has effectively stolen our money.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XX/XX/2023 I sent TransUnion a cover letter, Identity theft affidavit via XXXX certified return reciept. Transunion recieved my mail correspondance on XX/XX/2023. Transunion failed to block the information relating to the Identity theft I had requested. Pursuant to 15 usc 1681c-2 the block of information was to be done within 4 business days.Transunion failed to do so while investigating the identity theft. Transunion sent me a letter dated XX/XX/2023 stating that they was going to rescind the block due to me not providing any information and that they believe I recieved goods and services. I sent all the required information in accordanec to federal law. I also notified transunion that if they believed that I recieved good and services form the furnishers that I request a senior exectuve memeber to send me an affidavit sworn under oath of that fact transunion never provided that correspondance for proof of the fact. Pursuant to 15 usc 1681g as a victim of identity theft I AM ENTITLED TO RECIEVE DOCUEMENTARY EVIDENCE as proof IN WHICH THEY BASED THEIR DECISION ON I HAVE YET TO RECIEVE THAT EVIDENCE. Pursuiant to 15 usc 1681c-2 ( c ) ( 3 ) information itself can not be evidence of me obtaining goods and services.

I have never done any business with any of the furnishers of this information, I have no contract with them, they are not creditors of mine, I have never had any relationship with any of the furnishers of the false information being reported. I was never given any documents to prove otherwise.

Transunion knowingly and willingly continues to report inaccutae and unverifiable information on my credit report after notice of the facts was given. They have failed to maintain reasonable procedures to assure compliance with the fair credit reporting act since I am a victim of identity theft pursuant to 15 usc 1681e in which they were to prevent from happening as well as allowing persons to furnish information without a permissible purpose I had no business relationship with any of the furnishers, no contract, they are not a creditor of mine, I have no account with, no obligation nor any services was ever rendered to me pursuant to 15 usc 1692e ( 2 ) from these furnishers. Transunion failed to protect my right to privacy in which they had an obligation to protect pursuant to 15 usc 6801. They allowed my nonpublic personal information to be obtained by perpetrators of fraud.

I am suffering and will continue to suffer harm to my reputation from the material misrepresentations in my credit report if this error is not corrected 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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have previously submitted my complaint with the credit bureaus and later to the CFPB. To no avail, an account is still reflecting incorrectly on my credit file. CFPB has not failed to help me get this issue resolved and I still have not been monetarily compensated. Now I am being charged even higher rates and am being affected from finding an apartment. 
The account in question is XXXX XXXX ACCOUNT NUMBER XXXX ADDRESS XXXX XXXX XXXX XXXX, TX XXXX is still only reflecting incorrectly on TRANSUNION AND NOT XXXX OR XXXX. The information across all three reports is inconsistent and go against the laws regulations which state information should be consistent and after the investigation 30 days if it is not fix it needs to be removed. This needs to be fix and completely removed since all three bureaus continue to refuse to actually update my credit file with consistent information. It has now been 90 days and this issue still isn't fixed and their investigation only left me with more fees. I have attached the credit reports with show the inconsistent information. XXXX XXXX is on Transunion and not on XXXX or 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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 previously disputed information with the credit bureaus regarding my account with XXXX XXXX. The account was updated and is now showing as incorrect. It is showing I had over {$9000.00} charged off however, they sold the vehicle at auction and the remaining balance is {$3800.00}. 

The debt was sold to XXXX XXXX and is showing a balance of {$3800.00}. 

I am requesting that this debt be deleted due to being reported inaccurately. If this is not done, I will be contacting an attorney.

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 2023-12-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ I discovered that I am victim of various financial fraud. All of my personal bank accounts were compromised. I contacted Chase back as soon as I could positively identify which transactions were fraudulently induced. They issued me a temporary credit on XX/XX/XXXX which was later removed from my account on XX/XX/XXXX. There were other bank transactions that was fraudulently induced as well that Chase bank decided not to return to me ( please see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My TransUnion Credit File No. XXXX dated XX/XX/XXXX shows that XXXX XXXX requested information from my credit file on XX/XX/XXXX. I previous reached out to management when I noticed that the company had pulled my file on XX/XX/XXXX and was advised by XXXX XXXX that they had not pulled my credit and would remove any and all inquiries from my file. My file clearly shows XXXX XXXX located at XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX accessed and reviewed my credit file without permission on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and again XX/XX/XXXX. The problem I have with this is the company advertises in BIG BOLD LETTERS ... .NO CREDIT CHECK. Therefore, when I am getting a title loan through this company, they should NOT be pulling my credit under any circumstances. This practice is illegal and should be handled accordingly.

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-01
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has been scamming multiple people, all you have to do is XXXX Consumer Adjustment Co and read the reviews. They have made my first time home buying process a nightmare with their scamming lies. They are claiming that I owe the thousands of dollars that are identical to one another that appeared out of thin air. I need them to be held accountable to what they are doing to hard working people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Complete Credit Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent out dispute letters on XX/XX/2021 Which was over 30 days ago to Complete Credit Solution, my complaints was to have debt validated and proof to collect debt in my state. I have never had an account with this complany. I have ask for proof of my wet signature and this company has yet to provide that. I also sent a second notice on XX/XX/2021 which also was well over 30 days ago. Failure to provide proof also. I have not heard from this company since then. XXXX, XXXX, and XXXX is also reporting this information inaccurate STILL after disputing with them multiple times. They also have failed to provide me proof.

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : XXXX XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX - XXXX ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON 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 2022-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Please stop contacting me about the debt, I do not owe. For the following accounts : Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are sending me is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have called repeatedly with no response!. The last time I asked for help I was told the DA is not equipped to handle fraud like this!. Misrepresenting my deposits!. I still have at least four paychecks that never got resolved!. 

It been years since Ive reported this and no one has called or reached out to talk about my statements I never got in four paychecks I still have not got that where deposited in Bank of America XXXX XXXX, Washington!. 

XXXX XXXX XXXX is my number!. 
I hope this can be resolved soon!. Getting sick of this fraud in the Washington state!.

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any account which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Here is the list of account that I wanted to remove. 
XXXX XXXX XXXX Balance : {$850.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I have been trying to work with Transunion to get inaccurate inquiries of my report I even went a step further and added a fraud alert, but for some reason unknown inquiries continue to pop up. The strange thing about the inquiry is that some of them repeat. I'm currently trying to become a homeowner so I know it's not wise to continue to apply for things, as inquiries could drag your score. I read if you are planning to buy a home to plan to not use your credit for 9 to 12 months in order to prepare. So I have been following that rule. Im not sure if companies are trying to offer me credit and check my report, but if that was the case it should be a soft pull. The inquiries in question are XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX4XX/XX/XXXX, ( Repeat ) XXXX XXXX XX/XX/XXXX, ( Repeat ) XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XXXXXX/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 explanation