BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to XXXX, TransUnion and XXXX via certified mail on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021 for VALIDATION and not verification of debt reporting to all three credit bureaus as charge off. I have NEVER received validation of this debt. The following accounts were : XXXX XXXX XXXX XXXX ( two charge off accounts ) and Department of Education-XXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. I have also requested resources on how they VALIDATED the debt and NOT verified. The amounts reporting to my credit continues to increases with different reported dates. As of todays date I gave not received a response regarding my certified mailed letters.The information they are reporting on my report is not valid and I demand for it to be deleted off of my 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 2018-08-23
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Afternoon, I first learned about the debit on my credit report as I was under the assumption this was my ex wifes debit. After learning that we are both responsible I contacted the company at Hunter Warfield to find a settlement. I asked for my account number & pin number and was told I didn't have one the first time called back 2nd time and had to speak to the gentleman several times in order to be provided it. Then after I told them how much we had to settle he proceeded with a counter offer and I asked him to please provide the settlement in writing so that I know that it is a legit and I would be protected before providing my card number. He refused to provide me the offer in writting and then said if I don't pay right now I will owe the whole amount. He has not stopped calling me even though I continue to tell them I want to pay I want to accept the settlement offer but, I need to have something in writing that by pay this settlement amount I will be paid in full. They still refuse.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NE
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; A XXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : 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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-10-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I filed a dispute with XXXX, XXXX, and Equifax. XXXX was able to delete an account from my report, which led to a dramatic increase in my credit score. Equifax completed their investigation on XX/XX/2019 and found that the account in dispute is in fact mine. It obviously is not. XXXX also provided results that coincide with Equifax. I have contacted XXXX XXXX XXXX and they say they are backlogged for 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: MI
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:
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. 


Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-11-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX RE : ACCOUNT ENDING XXXX FCRA/FDCPA VIOLATIONS To Whom It May Concern, I am a consumer as defined under 15 USC 1602 ( i ) recently obtained a copy of my consumer credit report and noticed the account in reference was shown to be closed. In accordance with the FDCPA, your company can not continue to collect on a alleged debt that you no longer have, the tax write off received when your company has closed an account. In addition, as I looked further into this account, I noticed quite a few errors, that the CRAs stated American Express furnished them with this information, which would go against your terms and conditions, most specifically the section where your company refers to disclosing my personal financial information to a third party. The CRAs are non affiliated third parties. Before I pursue my legal options as a consumer under 15 USC 1602 ( i ), for the violations your company has committed against me, I am requesting ALL of the following information : - A complete accounting ledger and history of all transactions from onset of this account, the documentary evidence, as it relates to IRS publications 583. 
- The first date of delinquency - The disclosures you were supposed to give me upon commencement of this contract, the Gramm Leach Bliley Act, a requirement of TILA - All of the consumer reporting agencies you unlawfully disclosed this account to. 

Please note this complaint shall serve as notice of pre arbitration, should this information not be received by me in the allotted time frame. 

In Good Faith Regards, Without Prejudice By : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I submitted a complaint re Nissan and the misrepresentation of a vehicle purchase in XX/XX/XXXX. 

I submitted the report to you, and then received notification that the issue was closed. 

You had received a letter from Nissan stating that the entity responsible was XXXX XXXX XXXX XXXX XXXX, ( XXXX ) Consumer Affairs Department and the XXXX XXXX   XXXX. XXXX Account No. XXXX. 

Evidently you failed to read the letter to learn of this information. 

Accordingly I will re submit the complaint with the additional information. 

When we were looking to purchase the vehicle, we were informed that the vehicle was capable of the XXXX XXXX XXXX. The salesperson stated this, the website states this, and I spoke with another rep of Nissan and they confirmed it. 
However, when trying to download the software to enable the service, the website indicated that our vehicle ( by VIN Number ) was not equipped for the Navigation System.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-25
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently in the XXXX XXXX XXXX XXXX ( PSLF ) program and have payments that I made while in school that I am being told will not count as qualifying payments toward forgiveness because the lender had automatically ( without my knowledge or consent ) placed me on an in-school deferment because I went back to school. However, while in school I was still making payments on my old loans from when I first went to school, so these payments should have counted. 

Please change the XXXX program to count payments that were made during in school deferment or forbearance periods. It is unfair that 3 years of payments I have made won't be counted and this needs to be fixed as I am not the only one this is happening to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I only took out 6 loans total with XXXX XXXX of whom is now XXXX. 
XX/XX/XXXX for {$1800.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$2000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$4000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$3500.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX ***NONE OF MY LOANS WERE EVER LATE OR DEFAULTED AS THEY WERE PAID OF BY XXXX XXXX IN XXXX OF XXXX I HAVE ENCLOSED DOCUMENTATION OF PROOF OF STATEMENT THAT I HAVE AND THEY ARE TRUE AND ACCURATE.

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 2020-05-05
Company: Experian Information Solutions 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$350.00} XXXX  XXXX {$1900.00}

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
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. 

FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 non-monetary relief
Consumer complaint received 2020-03-17
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo employees at the branch located at XXXX XXXX XXXX in XXXX were extremely rude. They did not apply a {$400.00} account opening bonus. Person who opened account also rude and made derogatory remarks against XXXX people calling me a XXXX. Teller  took 45 minutes to dispense foreign currency purchase in an effort to harass me. Branch did not call when foreign currency arrived in violation of bank policy. Branch did not answer telephone calls and employees were verbally abusive at the branch when I tried to call. Branch employees are disrespectful and condescending toward XXXX  customers treating them differently from XXXX XXXX  who they spoke XXXX with and immediately helped. 


Telephone Customer service was also extremely rude and unhelpful making me call at least 8 times to get transferred to Executive Office to check status of complaint against branch. I had to call XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX to reach Executive Office they were extremely rude using extended hold times, and giving inaccurate information. Executive Office did not assign my case to a case manager for over a week. Executive Office case # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please update my personal information to accurately reflect per the 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 non-monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Please find attached, CFPB Complaint ID : XXXX, Subject Property : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX dated XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: EQUIFAX, 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:
I have an account on my credit report that I DO NOT RECOGNIZE and believe it to be fraud. I have tried to call XXXX, both the savings/checking and the credit card customer service numbers to inquire. They can not locate the account with the SSN I am providing them. On my credit report it is tilted XXXX XXXX # XXXX with a balance of {$23000.00}. This transaction did not show up on my credit report until XX/XX/2019. Please help! I am in the market to buy a home as a first-time home buyer and I can't believe I have to deal with this when I've done nothing but keep my credit as good as possible!

Company response to consumer: Closed with explanation