BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Be advised your credit reporting agencies; was informed they are furnishing inaccurate and incorrect information about this consumer. The reporting of such an accurate information has caused me severe damage to my character of my reputation by general mode of living in my ability to obtain credit personal and household purposes you in your in accuracies reporting have damage my livelihood. 15 US C code 1681s-2 responsibilities of the of information to consumer reporting agencies. ( B ) reporting information after notice and confirmation of errors approach and show the furniture information relating to a consumer to any consumer report the agency if ( I ) The person has been notified by the consumer at the address specified by the person for such notice the pacific information is in accurate and the information is in fact in accurate Prohibition a law or regulation forbidding something as defined by internal Revenue Clearly States a canceled or change off is considered income, Gross Income or ordinary income. The reporting of these accounts as debt is inaccurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theses accounts needs to be immediately deleted they was file

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 2023-09-02
Company: Experian Information Solutions Inc.
State: NJ
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.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
These accounts have incorrect information with late payments, please verify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number ****XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2023-03-20
Company: EQUIFAX, INC.
State: NV
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. 
ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 section 602A States that I have a right to privacy.

15 USC 1681 section 604A section 2 : IT also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am disputing this debt due to fraud. I was contacted by XXXX XXXX via phone and letter. I have also received numerous letters from your company wanting to settle a debt incurred that I have no knowledge of. The letter states that I owe XXXX to XXXX XXXX. However, I do not owe that debt. My information was stolen along with my wallet, which included my state issued identification card, my personal social security cards, along with personal bank cards and information on XX/XX/2021, I disputed this account previously with XXXX XXXX and the major credit bureaus upon noticing identity fraud had occurred. I also filed a police report, FTC report and Ive had to obtain personal identification due to this. 
If you believe that I am still responsible for this debt, please send me any documentation you have that proves that I owe it. Until then, please cease all communication with me and note on your records that I dispute any responsibility for this debt. 
I reviewed my ( XXXX, and TransUnion ) credit report recently and found the account listed above. I have no recollection of this transaction and I do not believe that it is mine and I consider this matter to be in dispute, due to identity theft and identity fraud. 
I have already disputed this account with your credit bureau. I need to collect all possible information on this account so that I can determine whether it is an error or a case of identity theft. 
I request that you send me all available information possible on this account, including a copy of the original signed contract or any other documents that would establish the nature of the transaction and when, how, and by whom it was conducted. 
If these details can not be verified and the account continues to appear on my credit reports, I shall be compelled to assert my legal rights under the Fair Credit Reporting Act ( FCRA ). 
I hope to receive a quick and satisfactory response, as I would like to resolve this situation. 
Thank you, XXXX XXXX I have attached supporting documents

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 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
SS No : XXXX Address : XXXX XXXX XXXX, XXXX, GA, XXXX ID : XXXX To whom so ever it may concern, I XXXX XXXX XXXX had an account with Bank of America, which was closed down. 

I moved into the USA XX/XX/XXXX with my parents as an emigrate from XXXX XXXX where I was born. 

Been as a college student and a new comer in USA, I was looking for a part time job to assist myself and my parents. Through the internet I found a private job and thought I would make a good income to support my family and I. 

I started this job in XX/XX/XXXX, it was a check company where I was printing checks for this man and communicating with him thought text message and email. Eventually he wanted me to buy bitcoin for him through my account and I did it on the first round and the amount was {$8000.00} which I had to withdraw and buy bitcoin and on the second round he asked me to do it again and had informed my dad about it because I was not comfortable with doing it because it was illegal and my dad told me to stop immediately which I had done. But the man had deposited a bigger amount of {$10.00} XXXX without my consent and that blocked my account at Bank of America and a - {$880.00} XXXX was placed as a source of investigation through they side. 

With all honesty and truthfulness all the above pointers I have mentioned, which was mistake by myself unknowingly. I truly believe that this concerned person took advantage of being a new emigrate/student. 

However, this is an extremely hard lesson for me to learn in my young life, I oblige sincerly and assist me in reinstating my bank account.

Below attached is all the documents correspondence to the situation above that I was sent wit regards to my account Regards 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 explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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: LA
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:
After pulling my credit reports I noticed serval accounts that was result of identity theft on my report, including several inquiries that I did not authorize. I've tried several times to address these issues with the credit bureaus, but they have repeatedly ignored me after I've asked the bureaus to provide me with verification and validation of these accounts which they have failed to do. Not only did XXXX subject me to identity theft. The credit bureaus have ruined my reputation by allowing this to continue to report on my consumer report, they have made it impossible for me to secure a mortgage. 

Please see attached documents.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX, Transunion, and XXXX are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws.

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 2023-06-05
Company: ACIMA CREDIT, LLC
State: MD
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:
XXXX {$520.00} ( XXXX ) / XXXX ( XXXX ) $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ ( XXXX  ) XXXX XXXX {$0.00} XX/XX/XXXX ) XXXX XXXX {$210.00} XXXX ) XXXX XX/XX/XXXX {$230.00} ( XXXX ) XX/XX/XXXX {$260.00} ( XXXX  ) XXXX XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$110.00} XXXX I have sent letters to credit bureaus and XXXX the debtor asking to send me copies of everything they had on file to me and that has not been completed. The response i received was blank white paper with black spots, no picture!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Marlette Funding, LLC
State: FL
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:
Fraud / Identity Theft 4 Accounts opened fraudulently Best Egg ( Personal unsecured Loans ) # 1. {$15000.00} Opened on XX/XX/2022 # 2. {$12000.00} Opened on XXXX XXXX 2022 XXXX ( fraud dept ) : spoke XXXX XXXX **** was emailed that inquiries and loans would be removed from my credit reports but to date is false **** requested ip addresses used to apply online and no response ***** told that loans were approved fully online and nobody physically reviewed the application nor verified the identity. 
**** perpetrator used a made up email address and no idea how they were able to obtain approval and funding **** perpetrator used a google voice phone number that is not mine XXXX # 3. XXXX XXXX Opened XX/XX/2022 {$9000.00} *** received 2 emails each asking me to provide time consuming paperwork and put an unreasonable time frame for them to receive or else they would validate the debt *** have not provided any information regarding how the loan was obtained, information provided, etc. 
**** called customer service multiple times and they were unable and did not have a number to the fraud department ***** to date. Co has refused to provide any documentation on information utilized to gain approval and funding XXXX XXXX # XXXX Security freeze Conf # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: LA
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:
After pulling my credit reports I noticed serval accounts that was result of identity theft on my report, including several inquiries that I did not authorize. I've tried several times to address these issues with the credit bureaus, but they have repeatedly ignored me after I've asked the bureaus to provide me with verification and validation of these accounts which they have failed to do. Not only did XXXX subject me to identity theft. The credit bureaus have ruined my reputation by allowing this to continue to report on my consumer report, they have made it impossible for me to secure a mortgage. 

Please see attached documents.

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 2022-01-07
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i XXXX XXXX checked my credit report and i noticed some fraudulent an inaccurate accounts on my credit.i then proceeded to reach out to the credit reporting agencies for remedy the situation but would not help me correct these fraudulent an inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 2023-09-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have proof that the company I work for made a banking error in our payments and I get paid every XXXX and XXXX of the month. XXXX XXXX was not only given a letter to revoke security interest and liens and repo but I explained to them that I would have made a payment on the XXXX if I had been paid but my job made a mistake. Instead they reported that my account was 30 days delinquent and it is not! I have to move at the end of the month and I need this correct ASAP. Please remove this delinquency as soon as possible. Its not supposed to be on there.

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 2022-12-29
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My bank charged me fees for making principal payments without informing me. I made my additional payments on the payment coupon provided by my bank/lender. I made these at the branch, not by phone nor online. Im not delinquent ; I make my payments each month on time at the bank. I dont have a pre-payment penalty. Ive had my loan over 7 years, and as I approach retirement want to pay down my mortgage. I wasnt informed of any fees if I make principal payments regardless of the amount. They are holding my extra payment in a suspense account I have no access to. This wasnt a partial payment on my regular mortgage payment. It was an additional payment. I havent received any documentation as to where the additional principal payments are. No suspense account statement. I attached documents ( mortgage statements, bank receipts of principal payments ). Im concerned this is an illegal practice. I clarified with the Truist bank employees at the branch that I completed the mortgage coupon correctly ; twice they told me extra payments go directly toward the principal with no mention of any fees for this service.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GU
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 currently have an auto loan with XXXX. I have been up to date on payments for the last XXXX months. However, it seems that everytime they report my balance information it goes up and down and every the report the balance as increasing Im reported by XXXX and Transunion as being delinquent. 

I went to the bank and questioned it and they said they will look into the issue. I sent an email a month ago and was told it would be looked at by Managment I have yet to have a resolution and have missed payments showing on my credit report which is bringing down my score that I am trying to rebuild.

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