BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 was my 11th complaint already and I only NEED these four items removed from my XXXX and TransUnion credit reports, and that's what I need, the REMOVAL of these items I listed in this complaint. I have listed these items in my previous complaint dated XX/XX/XXXX and XX/XX/XXXX but neither among the items were removed by the Credit Bureaus. This time I am earnestly hopeful that the XXXX and TransUnion Credit Bureaus will remove this items that I know were not mine nor was opened or authorized by me : 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

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 2022-03-31
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter to Equifax regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

Please see attached files of my dispute to Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NC
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:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2020-08-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XXXX of this year ( XXXX ), my income was temporarily affected by the COVID-19 pandemic. I immediately contacted ( by phone ) all of my creditors, including XXXX XXXX. XXXX XXXX like the others gave me an additional period of time to recovery ( 60 days ), and ensured me that no negative references would be reported to the credit bureaus. I missed two payments in XXXX and XXXX ( as I did with all my other creditors ) and they reported me ( none of  my other creditors reported me late, with the exception of XXXX XXXX ) and my score dropped 100 points. I immediately wrote them to protest their action, but to no effect. They deny their promise to me that was made and refuse to delete the negative reference on my  credit report. 

I have not gone over 30 days on a payment to a creditor since XXXX. I have three mortgages and seven credit cards and take personal credit rating very seriously. Specifically with XXXX XXXX, i have had the account since XXXX, have a credit limit f {$20000.00} and and never gone over 30 days. 

When the COVID-19 pandemic first began and I contacted them, I was assured over the phone by one of their representatives that this would not happen and it did. 
I respectfully ask for your assistance to make an inquiry to XXXX XXXX on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I dispute XXXX XXXX XXXX from my credit report after the investigation was completed, TransUnion deemed it to be accurate. The problem is why did they delete it off my credit and then added it back. That dropped my credit score XXXX points. I have disputed many items and they have never dropped my credit scores. I need for those points to be added back to my credit. I should not be responsible for error on their part. They have done this once before, which it caused my credit score to drop.

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 2021-09-18
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In 2006 I had an FHA mortgage from Chase Home loans. My wife passed away and the day of her funeral the house was robbed. I filed a claim with my home owners insurance, but never received the check. While searching online I found that i had unclaimed funds from that robbery. The check is listed in both my name and the mortgage company. I contacted them several times over the past 6 months and finally received a form letter from them stating that they could not release the funds due to the foreclosure. i am attaching a copy of the unsigned form letter received from them. They never stated that I owed them money only that it was a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 
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 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a lot of overdraft fees on my account.

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 2019-02-07
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a NJ XXXX account holder. Account # : XXXX My vehicle license plate number is : XXXX My account is current, and is enrolled in auto pay. For some reason my tag is not being read in NY, and I've accumulated 32 toll violations. 

I have no idea why my tag is not being read and why I keep getting violated and not recognized under NY XXXX tolls as a NJ XXXX client. 

Please refer all the outstanding tolls ( and subtract the violation amounts ) directly to my NJ XXXX account. 

I see no reason why I should be forced to having to pay toll violation fees in addition to actual toll value, as I am an XXXX account holder. If NY and NJ uses different XXXX facilities, they should be labeled accordingly and not be held under the same umbrella. 

Otherwise, I will be referring these toll violating methods to the Attorney General Office in each respective states, for predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Houston Finance Co.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was laid off due to covid starting XXXX and I fell behind. I notified the company tried to make small payments out of good faith. I asked that they please stop reporting late payments to the XXXX credit report and they refused. As a result, they reported 6 late payments to my Equifax report which caused my payment history to go from 100 % to 90 % and a decrease in my score by 48 points. 

Til date, they're still refusing to remove the late payments. I've been a loyal customer and I paid on time up until being laid off due to Covid. 

Please help as I'm still a loyal customer with XXXX but I'm in the process of trying to purchase a home abd I'm having a hard time due to the payment history on my XXXX report. 

This is a Covid issue, or else I would've been able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX : {$18000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a collection off in 2019 which was less than {$200.00}. The collection agency was close enough to drive there and pay in person. I paid in person and was told that it will be removed from my credit report in a few weeks. It has yet not been taken off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Pease reach out to company if am eligible for a settlement reimbursement

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents 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 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 informed all reporting agencies that I did not file bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 received a letter from TransUnion saying that they will not reinvestigate my complaint, i am still requesting proof that the account on my credit file that they are claiming belong 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 2023-05-26
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
Dear Consumer Financial Protection Bureau, I am writing to report a violation of the Fair Credit Reporting Act ( FCRA ) by a creditor. Before the charge off of my debt, it was agreed upon that the debt would be paid in full, and that my credit report would not be impacted negatively. However, the creditor did not honor this agreement, and their violation of FCRA has negatively impacted my ability to obtain credit. 

According to the FCRA, creditors have a responsibility to report accurate information to the credit bureaus. In this case, the creditor broke our agreement, thereby violating the FCRA, which has caused damage to my credit score and limited my ability to obtain credit. 

I request an investigation into this matter, and I ask that the Creditor be held accountable for their violation of the FCRA. Additionally, I urge that you take necessary measures to ensure that the creditor corrects the inaccurate reporting on my credit report, and provides compensation for the damages they have inflicted upon me. 

I appreciate your attention and assistance in this matter, and I look forward to hearing from you regarding a resolution. 

XXXX Credit Bureau Name Statecu ( State Employees Credit Union ) Account number XXXX Amount : Paid Charge-off Disputed 5 times Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 explanation
Consumer complaint received 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a credit card with XXXX XXXX XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX. I tried contacting both XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.

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 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one erroneously reported a 30 day late to my credit report for a business credit card that was in forbearance because of a hardship occurred during the COVID-19 Pandemic shutdown. I spoke to someone at capital one and they assured me that the erroneous mark would be taken off when I write the credit report department and provide that department with a copy of report that has the error circled. Well I did just that and now Capital One has a different story of the mark being there. No investigation, it didnt matter if account was in forbearance and sorry that they know how important my credit is. When the pandemic first happened the FCRA gave guidelines as to how and when furnishers should report. Capital one is not recognizing accounts in forbearance. They did not investigate what was said to me on the phone as well. They sent me a 1 page letter with a brief message. The person I spoke to knew my Mother died alone with no one there. They knew the business had a hardship and when it got to Capital Ones credit department nothing mattered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following hard inquiry currently listed on my XXXX XXXX, XXXX, and Equifax credit report is unauthorized and not my hard inquiry : XXXX XXXX XXXX, XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was interacting with a XXXX XXXX on XXXX to purchase a XXXX XXXX XXXX. I was told that the price was XXXX for the XXXX. They asked me to send it through PayPal and would send me the tracking number. I sent the money through XXXX on XX/XX/XXXX. Took a Screen shot. I inquired the next day for the tracking number and heard nothing back. I kept on asking and was eventually blocked by this XXXX User. I reported it to Paypal, and was told they could do nothing. I have been scammed out of XXXX. I'm hoping you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: MD
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:
I am an XXXX XXXX Customer. My score should be reported daily from XXXX with credit monitoring but only seems to decrease drastically when approaching XXXX ( XXXX point decrease instantly in the beginning of XX/XX/2023 ) and my Equifax and XXXX scores are not being reported, most recent were from XX/XX/2023. Also my score range across bureaus is close over XXXX, so although I have not seen recent fraud, the reporting seems inaccurate.

Company response to consumer: Closed with explanation