BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: PA
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 explanation
Consumer complaint received 2023-03-09
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:
By the provisions of the Fair Credit reporting Act, I am submitting this CFPB Complaint to you today to rquest tha the erroneous accounts being reported on my Credit File be immediately investigated and corrected on my credit file. I have seen here that the accounts : OFFICE OF THE ATTY GEN XXXX XXXX : {$6700.00} and OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00} are reporting to be 120 days late.An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. Additionaly, the account OFFICE OF THE ATTY GEN XXXX Balance : {$1800.00} is being reported by the XXXX Credit bureau as late which is different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated.

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-05-06
Company: EQUIFAX, INC.
State: DE
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2023-08-01
Company: Clear Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Clear Recovery , IncXXXX ( hereafter CLEAR ) is a collection company representing XXXX  XXXX XXXX ( XXXX ) located in XXXX XXXX, Texas. 

CLEAR first phoned me a couple of months ago and alleged that I owe a debt to XXXX. I told them I have no credit account with XXXX, nor have I ever purchased anything from XXXX on credit and demanded that they immediately provide me proof of debt. 

A receipt was sent to me from CLEAR that included a sales receipt from XXXX. This unsigned sales ticket reflected an alleged digital camera being shipped to me in XX/XX/XXXX and showed XXXX dollars ( {$0.00} ) being paid or due, as a result of a store credit I had on record. Although I did order a digital camera from XXXX, utilizing a store credit I was given, from a previous warranty claim for defective furniture I purchased for cash, the camera was never received by me. 

Assuming I did receive a digital camera for a store credit owed to me for approximately {$920.00}, I owe nothing to XXXX, as this was a store credit and not a credit transaction. However, notwithstanding the fact I did not receive the digital camera on a store credit, I am the actual person due monies from XXXX and not the other way around. 

The facts and evidence provided by CLEAR and XXXX are as follows : 1. No credit transaction ever occurred between XXXX and myself. 
2. No credit application, credit account or invoices due exist in writing. 
3. Evidence from CLEAR shows no signature and/or promise to pay any monies, and furthermore shows a XXXX balance was due at the time of the ordered merchandise. Therefore, even had I received the merchandise equal to the store credit, no credit instrument was issued, agreed to and/or is due. 

On XX/XX/XXXX, I received yet another telephone call from CLEAR. I informed them that I received their Proof of Debt and it was nothing but an unsigned sales receipt showing a XXXX balance owed for merchandise I never received, using a store credit still due me. Moreover, I asked when I might expect payment for my store credit that is owed to me. The representative stated, You got the proof and you know you owe us money!. I told her I would take this matter to court to collect the monies owed 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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Please see attachment for a copy of my identity theft report for the inquires that I did not initiate nor give permission to anyone at the following companies.

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 2022-05-06
Company: Experian Information Solutions Inc.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
REVIEW THE LETTER I SENT REGARDING THE INQUIRIES, LATES AND CHARGEOFF ACCOUNT. I'VE BEEN SENDING YOU MULTIPLE LETTERS AND YOU SAID YOU DIDN'T RECEIVED IT OR THERE WAS AN ERROR ON MY FTC OR MY DOCUMENT IS BLURRY. STOP MAKING EXCUSES. WHEN I SENT YOU DOCUMENTS WITH LETTERS AND FTC I MAKE SURE IT IS CLEAR.

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 2023-03-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Was charged multiple overdraft fees for XXXX transaction, Wells Fargo would not re em nurse and would only give a tiny amount back ( {$3.00} I believe ). This happened XXXX separate times over the last XXXX  years.

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 2021-08-12
Company: Commerce Home Mortgage, Inc
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Initially got a loan with Commerce Home Mortgage in XXXX. In XXXX Commerce Home Mortgage approached me with a proposal to resign the contract and change the terms and in return they will pay a one month payment for me. 
I did!! XXXX Commerce Home Mortgage sold my loan to XXXX and told me that there wont be any changes to the terms and payment amount. 

XXXX after they gave me a 3 months deferred option due to pandemic, they raised my payment from {$3400.00} to {$3700.00} when I asked them, XXXX told me that at the time of transferring from Commerce Home Mortgage, my escrow account was negative and I need to talk to Commerce. I have to add that during the 3 months that they deferred my payment I kept paying {$870.00} for my escrow account. I contacted Commerce and they sent me a letter telling me that when Commerce Home Mortgage asked me to resign the loan, they made a mistake and they apologized. Even though they didn't put the reason for the mistake in writing, when I actually talked to the loan officer who initially helped me, he told me that they offered you one month payment free but in fact THEY TOOK THAT PAYMENT OUT OF

YOUR ESCROW ACCOUNT!! Through the original loan officer I got in touch with Commerce regional manager and
explained everything to him and he promised that he is going to fix this problem and get back to me and I have been waiting for him to call me back for almost a year now. 

I don't know how but i XXXX after so many phone calls back and forth without any explanation my payment went down again with less than {$100.00} increase. In XXXX of XXXX, XXXX raised my payment again to {$3700.00} and all over again claims that my escrow account is negative. 
I am a head teller at a bank and my family are helping me to make this payment and might lose my home because I really don't know where to get {$300.00} more and can not afford anymore than what I am paying now. 
I am paying 6 % interest only and it is not enough for them and they want more. 
Please please help me. I have never been late or paid less than my payment. 
Please help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: FISERV INC.
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
THIS IS FOR THE MIDDLE CLASS TAX RELIEF BENEFIT CARD IN CALIFORNIA ALL, EVERY SINGLE TRANSACTION WAS AN UNAUTHORIZED TRANSACTION MADE BY CRIMINALS WITH ACCESS TO MY FUNDS. THE STOLEN FUNDS WERE MADE AT A PHARMACY AND FAST FOOD FOOD BY THESE CRIMINALS. THESE CRIMINALS CREATED AN ONLINE ACCOUNT WITH THEIR EMAIL AND I DO NOT HAVE ACCESS TO ANY INFORMATION. I ASKED FOR A REFUND CHECK TO BE MAILED TO MY ADDRESS MONEY NETWORK IS NOT RESOLVING ANYTHING AND HAS NOT SENT THE CHECK AND NOW REFUSE TO GIVE ME ANY STATUS UPDATE BECAUSE I DONT KNOW INFORMATION ON THE CARD BECAUSE I NEVER HAD ACCESS TO BEGIN WITH. MONEY NETWORK LET HACKERS STEAL MY INFO AND IM THE REAL PERSON NOW THEY WANT TO VERIFY MY IDENTIFICATION AND BECAUSE I CANT VERIFY THE AMOUNT ON THE CARD THEY CANT 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 explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, 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 status incorrect

Complaint:
I have disputed the late payment status reported on the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
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: Account information incorrect

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I maybe entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you VERIFIED that this item was being REPORTED CORRECTLY? WHO verified this account? You have not provided me with a copy of any original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). Please be advised that under 15 USC 1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

THIS LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND THE REMEDY AVAILABLE TO ME 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand this account be verified or deleted immediately. 

Account XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
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: Investigation took more than 30 days

Complaint:
on XX/XX/XXXX i sent a request for transunion to go over some items that i needed to dispute and they have yet to process my dispute. At this point they have ignored my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a second with Bank of America. I was paying as the computer said I owed. My loan would often disappear from the web site and then reappear several days later. I went to the bank to find out what was happening and after several phone calls I was informed that my loan was closed out. I never received one email or phone cal from the bank. The person I spoke to said it was not the banks responcibility to call me. They said they called every day and yet never left a message as to why. I was forced to pay more than the monthly loan amount by several hundred dollars. I need some assistance

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 2023-12-08
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Got scammed by a business in XXXX XXXX pretending to be the USPS selling discontinued Forever stamps at a discount. I DID and initial transaction for {$71.00} on XX/XX/XXXX for stamps. The quantity was not clear, but thought it was for XXXX stamps. No confirmation email was received. 
Stamps came about 10 days later. Checked my XXXX  statement and there was a second charge for {$340.00} for the same day. 
Name on company on internet : foreverusps Name of company on printed statement : foreverusps XXXX Realized I'd been charged way more than the going rate for legit USPS forever stamps. 
Reported to USPS. Directed via their email response to return said stamps to my local post office, which I did on XX/XX/XXXX. 
Reported dispute with XXXX  company ( Amazon XXXX XXXX ). There was not a category that exactly fit the description of what happened so reported that I was dissatisfied with the product. 
The {$71.00} transaction dispute has been declined and closed by XXXX XXXX, because I received goods and did not have them to return to the seller. 
The {$340.00} charge is still open, but I suspect they'll not honor my dispute on that one either. 
I have not contacted the seller because I can not find this organization on the internet, nor listed at the address from which the " product '' was purportedly sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates my rights as a federal protected consumer NO CONSENT IS IDENTITY. As a consumer I am demanding the deletion of the accounts listed 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