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: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$290.00}

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 2022-12-16
Company: Experian Information Solutions Inc.
State: HI
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:
Upon reviewing my updates, the incorrect information ( inaccuracies ) was still found on my reports, which I believed has been taken care of due to the multiple written appeals I sent as well as phone calls made to Experian. I often get dropped calls. No response was ever received from them to date. Thus, their action has violated the Privacy Act of 1974 and the Fair Credit Reporting Act as follows According to Internal Revenue Services a charge of is a cancellation of debt, certificate of indebtedness, and is reported as income. Income is not to be reported on credit reports but should be reported to the Internal Revenue Services.

16 USC 313.1, 16 CFR 31 After having opted out, my information has continued to be shared and posted on my report by these reporting agencies 15 USC 1681a ( d ) ( 2 ) ( i ) does NOT include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 6802b, as I have informed the credit reporting agencies Experian, XXXX AND XXXX that I have opted out with various companies to NOT share my information. 

15 U.S.C 1681 can not report inaccuracies and also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 1681b in accordance with the written instructions of the consumer, which has been provided to each financial institution and reporting agency 15 USC 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. 

The Privacy Act of 1974, 5 USC 552a, my privacy has been violated.

15 USC 1681s, 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. the information is, in fact, inaccurate. 

The following items listed below are still reporting on my Credit Reports and need to delete and or updated immediately and indefinitely as follows

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 2021-02-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan was in forbearance yet Navient still gave me a late on my credit report. This has impacted my credit score very negatively. I am currently on XXXX and unemployed as a result of the global pandemic. I let Navient know and they wont remove late. I have given them documentation that i was in forbearance at the time of the late and also provided them XXXX information. They are rude and refuse to help. It is my understanding that Navient should not be collecting or penalizing borrowers until at least XX/XX/2021 yet they will not stop harassing me. This loan stresses me out and I XXXX XXXX over it. It elevates my XXXX  and makes me feel helpless. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I called every month to inquire after loan consolidation and income-driven repayments. Each time was a different account ( and with some third world country calling agent I might add who could barely speak the language ). After three years of calling, every month or every other month, I was convinced I could not consolidate, and that graduated payments were my only option. 

This was done to lock me out of market low consolidation rates and a IDR plan. 

It is now XXXX. I have given TWICE of my principal back and still owe {$100000.00}. 

Under the consolidation that was available to me at the time according to others with consolidation rates, that amount would be almost nothing today. 

IDR is harder to calculate, but rough estimates according to others with similar incomes put a sum of {$50000.00} less than I have collectively paid today. 

I want to sue Navient for {$500000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XXXX/XXXX/XXXX, I called Wells Fargo at the following number : XXXX XXXX XXXX XXXX, to complain about an entry on my checking account for {$210.00}, for an online loan company called XXXX, of which I did not authorize. The Wells Fargo online banker proceeded to inform me that I was being assigned a claims number ( XXXX ) and a reference number ( XXXX ) ; and that it would take two weeks to investigate this matter. This call was at approximately XXXX am. Not being satisfied with this practice of allowing companies to take funds from my account, particularly the XXXX, and others, I then decided to go to the local branch office to close one of my accounts, because I believe there are fraudulent bookkeeping practices at this local branch, located at XXXX XXXX XXXX XXXX in XXXX Virginia. 

At approximately XXXX pm, I then went into the aforementioned XXXX XXXX branch, and asked to speak with the XXXX, however, XXXX XXXX XXXX XXXX bank XXXX XXXX spoke with me first, and I proceeded to inform her of the above incident, and I asked her if this bank had a relationship with XXXX, because I have noticed irregularities with my account, and the entries made with XXXX I also notified her that I would be making an official complaint. I asked to close my business account, and also asked for as many statements, that I could have. XXXX XXXX said I could have as much as five years worth, but I requested only for the past year. She said the copies would be free, however, before completing the copies, she then went to discuss the matter with XXXX XXXX XXXX the XXXX XXXX. At this point XXXX XXXX stated I had to pay {$5.00} a page for copies, and so I asked for whatever free copies I could get. In addition, XXXX XXXX threatened to file a complaint about me, if I were to complain about the bank. I then completed the task of getting XXXX month worth of copies of all my accounts, paid the fee for my business account, then closed the business account. It was my decision to leave my everyday checking/saving account open because it would take two weeks for my initial complaint ( see above ) to be resolved.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Incorrect Personal information on 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 non-monetary relief
Consumer complaint received 2022-07-11
Company: Westlake Services, LLC
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested and was granted by Westlake Financial a payment accommodation ( deferral ) plan in accordance with the Cares Act. My account # is XXXX. Reported late payments was in XX/XX/2022. Westlake Financial reported me late to the credit bureaus adversely affected my credit. Westlake Financial was prohibited in reporting me late as I was making modified, on-time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. Westlake Financial was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. Westlake Financial failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.

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 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid 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:
I had a group of invalid transactions for which the merchant owed me full refund. Capitalone recovered these amounts through the XXXX Dispute process, and the disputes have been fully resolved as of XX/XX/2021. After the credits were fully resolved, my account had a credit balance of XXXX. On XX/XX/2021 the credit balance was zeroed from my account to be mailed back for the credit balance refund. This refund was never received and was placed in some uncollected funds account pending for approval to assure the dispute cases were fully expired. This has been pending since for 9 months, and still as of today the my credit balance refund has not been received. 
- I previously filed a complaint about this under Capital One XXXX : XXXX - CFPB Case : XXXX. I received a reply on XX/XX/2021 stating : - We understand that you would like a credit balance refund. However, the funds are still under investigation. At this time, there is not a time limit on how long the funds will be held. Once the investigation is complete and the hold has been released, we will contact you. 
- Since XX/XX/XXXX, 2 additional months have passed without resolution. 
- Respectfully, I would think that within these 2 months you should have long completed the review. I do not believe you have any legal right or justification to continue withholding my funds. You have left me now without recourse because the merchant has been chargedback and you are holding the credits for all this time. This is unfair and needs to be resolved without any further delay. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you.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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I called this company to have these inquiries removed. I do not recognize these inquiries and I do not consent to having this false information shared on my personal credit profile. Please remove immediately as this hurts my credit reputation and livelihood. 

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Date : Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need these inquiries removed 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 explanation
Consumer complaint received 2022-07-11
Company: RoundPoint Mortgage Servicing LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The title company informed me that Roundpoint Mortgage, XXXX XXXX XXXX XXXX, North Carolina XXXX had 30 days to return my escrow. They took out another payment after closing on XX/XX/XXXX. I received the escrow amount of {$1600.00} today, XXXX XXXX. But they did not include any penalty for over 70 days in making the payment. I requested the penalty a month ago by phone and e-mail.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX has repeatedly reported inaccurate data to all XXXX major credit bureaus as it pertains to my credit report. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX under creditor 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 2018-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed account listed below that does not belong to me and XXXX, XXXX and TransUnion XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX., opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, reporting XXXX XXXX  XXXX XXXX., opened XX/XX/XXXX XXXX XXXX, opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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: 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:
THERE ARE XXXX DIFFERENT ACCOUNTS THAT IM NOT AWARE OF. IM A VICTIM OF IDENTITY THEFT. I HAVE ALREADY REPORTED TO POLICE, IVE CONTACT MY BANK SO THAT ACCOUNTS COULD BE CLOSED AND IVE UPDATED INFORMATION FOR PAYROLL WITH MY JOB. THERE ARE TWO ACCOUNTS FOR XXXX AND ONE WITH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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:
So I have a balance on one of my credit card, and I have been paying it down which is increasing my credit score. Last month, the month of XXXX, my XXXX XXXX XXXX to XXXX points, which is excellent. Yesterday, XX/XX/XXXX, I received a notification that my XXXX XXXX from transunion decreased XXXX points. I didn't apply for any loans, credit cards, miss payments etc because I know those things decreased credit scores. Plus, the other two credit Bureau which is XXXX and XXXX didn't decreased my score. I checked the reason why my credit score decreased, it states that a balance on my auto loan has been decreased. The name of that loan is ( XXXX XXXX XXXX XXXX XXXX ). I expected the balance to be decreased, because I make my sure that every month my car loan is paid on time. So I think there has to be an error or glitch on transunion side that makes my credit score fall for no good reason. I also think it's very unacceptable to decreased someone score for no good reasons.

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 2018-05-12
Company: CORELOGIC INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credco ran my credit without my consent they state they have no signature on file but can not remove off my credit score. Hard inquiry on my credit score I want it removed if possible please.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
There are multiple charge offs reporting and that is illegal to do because charge offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The documents I attached is a screenshot of the IRS indicating about cancelled debt and how its income and the 3 consumer reporting agencies reporting the charge off also stated the law USC 1681. I never authorized the bureaus to report this and this is defamation. 
I can ligate the bureaus for defamation because they're reporting information that they are not supposed to which will damage me financially and emotionally.

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