BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
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: 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 non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-06-09
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: Account status incorrect

Complaint:
Department of Education/XXXX  is still reporting about 119 delinquencies on my credit report. My student loans were paid in full by XX/XX/XXXX. I have sent countless letters, e-mails and made phone calls concerning the delinquencies still be reported despite all accounts being paid in full. They have reported duplicate accounts on my report and they refuse to rectify this issue. XXXX  and TransUnion are still reporting 13 accounts as of XX/XX/XXXX. XXXX has a class action lawsuit for deceptive practices and consumer protection. Also under the Rescue Act, they are supposed to abide by certain provisions and they will not update the information on the reporting.

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$300000.00}

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2018-10-05
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was forclosed on my home in 2013 with Wells Fargo Bank during their mistake with the modification glitch error.i sent them all the necessary documents and still forclosed on my house. I lost my home and my belongings too. They put my furniture and everything in the street and it was raining. Everything was damage.i lost everything even my dignity and my kids have emotional problems now.

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 2018-10-05
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to Equifax requesting that send me information that proved the verified the Public Record reporting on my account, and the account XXXX these items are reporting negatively on my report and affecting my credit score. I sent them two letters and they sent back verified for the public record, however they stated they obtained from local, state and federal courts through a third party vendor XXXX. 
I have a letter from XXXX where I opt out of the program and a letter from the court that states that do not report to the credit bureau. They have failed to provide me with a valid resource, person of contact, or agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2019-02-08
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In an online credit application for XXXX XXXX XXXX   XXXX, which included SIGNED, XXXX XXXX XXXX, PRESIDENT, XXXX XXXX XXXX, US BANK AND XXXX XXXX, CEO, XXXX XXXX XXXX So in the ONLINE APPLICATION, it says ' {$100.00} CASH BACK if you spend {$200.00} in Net Purchases in first 40 days of account approved/opening ... it may take 6-8 weeks to receive {$100.00} Statement Credit '. 
THAT WAS XX/XX/2018 NOW XXXX both XXXX and Supervisor XXXX, 'NEVER HEARD OF IT ' Sorry, Lady, end of dicussion, just nothing, never heard of it. 
Also, the BRAND POINTS PROGRAM IS A LIE AND THE 25CENTS OFF PER GALLON OF GAS FOR A YEAR IS A LIE ... NO ONE IN THE XXXX STORE KNOWS ANYTHING ABOUT A N Y OF THIS ... THEY WON'T EVEN TAKE A PAYMENT ON THE CARD AND SAID TO ME NO ONE ELSE TAKES PAYMENTS EITHER WRONG .... 
XXXX XXXX XXXX I ACTUALLY DO NOT KNOW OF A STORE CARD THAT DOES NOT TAKE A PAYMENT Summarily, this ENTIRE 3 Enducement Offers ARE A LIE AND DO NOT WORK ... AND IGNORANCE OF ANY OF THEM IS AMAZINGLY A B U N D A N T.

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 monetary relief
Consumer complaint received 2019-06-03
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Re : Simple Bank I deposited a {$1000.00} check via mobile deposit on Friday, XX/XX/2019. The check was handwritten by an employee of my parent 's company. I have deposited checks with a larger value than this without issue. I have deposited checks from this same company without any issue. 

Most mobile deposits from Simple result in a next-day or two-day hold. This check had a five-day hold which resulted in an entire week without access to the check funds. 

I called Simple Bank to resolve the issue - which I believed was related to the check being handwritten ( i.e. thought to have been fraud ). 

Simple Bank does not allow any customers to speak to call center managers - as policy. Simple Bank  does not allow any customers to speak to their fraud department or anyone related to check deposits - as policy. 

My first support agent told me to cash my checks if I needed the fund quickly, which defeats the purpose of having a bank. The next agent told me that five days is standard for checks. 

I believe Simple Bank is misleading customers. They advertise via their website and XXXX   that checks are normally available next-day. Their support representatives tell customers that five-day holds are actually the standard turnaround time. 

I have had to put an entire week of financial transactions on hold for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has a bill for {$400.00} that is not for me and is in Amsher Collections. Since this bill is now in collections, it was showing on my credit report throughout each bureau. When calling both Amsher Collections and XXXX XXXX, they confirmed that the DOB on file is my fathers but has my SSN attached. My father for a fact does NOT know my SSN and this account should not have been activated if they properly did a credit check on my father. In order to get this disputed, XXXX  protocol required to submit a request for an identity fraud claim on their site. Afterwards, I will be contacted by an investigator within 30 days. It is almost 30 days and when checking on the status of my report, no one was able to provide me with an update. Furthermore, no one provided me with a number that I can call to check in with the investigation department. Keep in mind, I filed the report on THEIR website. Till this day, I have yet to be contacted by an investigator that can help in this situation. During each phone call I had with XXXX prior to filing, I made it clear that this was a mix up in which this debt is for my father and not me. I myself, has NEVER had services with XXXX XXXX and the lack of help that they are giving me is unfair and harming my credit. I provided necessary documentation to XXXX XXXX when filing my complaint. 
Additionally, XXXX the Credit Bureau out of all other Bureaus is refusing to help in this situation too. So far I filed a total of 3 disputes with them and each came back with the same result, " verified as accurate '' within 3 business days MAX. Commonly known, if someone was to file a dispute, the investigation would take a total of 30 days. If properly investigated, you should expect your results by the 2nd or 3rd week from filing. Even after providing documentation, XXXX was the ONLY bureau that is verifying this mix up as accurate. Which causes me to wonder if they are actually doing their due-diligence and investigating the situation. When asking about my IDs, they stated that one was legible and the other hard to read. However, both IDs images were sharp but XXXX was the ONLY Bureau to deny this claim. How is this possible if I provided the same IDs to other bureaus without this problem?? 
Please help me in this situation because this is unjust and should be a simple solution. This is highly frustrating as I am getting mistreated by XXXX XXXX  Amsher Collection Services, and XXXX Credit Bureau! I can provide as much information as possible if needed, thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX of XXXX, Capital One XXXX XXXX Card charged an annual fee of {$100.00}. We did not have a running balance on our card and did not receive statements. We did not know that there was a {$100.00} annual fee. Since we didn't have a balance and since we didn't know there was an annual fee, we didn't know we needed to make a payment. When the late appeared in our credit report, we immediately called Capital One to resolve the outstanding balance which was due to the annual fee, and late fees compiled with interest charges from the annual fee. 
- We paid the balance and requested two things. 
- One, to put us on an auto-pay so that we didn't run into the situation again - and two, to remove the credit late on our credit as we were not aware of the annual fee. The credit was resolved and we also thought the auto pay was established. 

Fast forward to the following year, in XXXX of XXXX, another annual fee was charged, however, the auto-pay was not established as we had requested previously. We found out this when we received an alert from XXXX XXXX. By then, the credit late, due to the annual fee, was already reported. 

I immediately logged into the Captial One portal, paid the outstanding balance due to the annual fee, and personally established the autopay. 

We are small business owners and we rely heavily on having great credit. We requested for Capital One to reverse the credit late recently added to our account for two reasons : 1. we asked that the auto pay be activated last year when this happened. We asked them to review the call recorded session from the prior conversation with the customer service representative. They said they would.

2. They auto payment was not activated by the customer service representative.

3. We disputed the credit lates but was denied and we will given the circumstances, it unjust.

Please kindly delete all credit lats with all credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2022-07-11
Company: EQUIFAX, 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:
I XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 

XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$6900.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; 6XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX  Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$4300.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: IL
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

Company response to consumer: Closed with explanation