BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
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:
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. 
XXXXXXXX XXXX XXXXXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) DPT EDXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) US DEPT ED Account # : XXXX ( shows on credit report multiple times with inaccurate information ) XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX DPT EDXXXX Account # : 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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2022, I attempted to request my credit report from TransUnion following their instructions on their website and link to the free annual credit report. It was refused and denied without explanation. I attempted to log into my account on TransUnions website to access my free credit report and access was denied. Representative stated that access to my credit report online is blocked due to the fraud alert on my credit report. BUT IF I PAY FOR THEIR SUBSCRIPTION, THE REPORT IS ACCESSIBLE ONLINE. Transunion is violating federal laws by forcing me to pay for my credit report in order to access it.

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 2023-08-22
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00}

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 2022-12-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have spoke with wellsfargo about overdraft protection, the stated that I had overdraft protection on my account, they are allowing money to come from my account when there is nothing there, but I have been hit XXXX times in XXXX day with overdraft fees. The most recent date has been XXXXXXXX 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 2020-06-05
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX {$89.00} XXXX {$760.00} XXXX {$220.00} XXXX {$100.00} XXXX {$250.00} XXXX {$330.00}

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 explanation
Consumer complaint received 2022-04-21
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or 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 non-monetary relief
Consumer complaint received 2022-04-19
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and found the following fraud accounts on my credit profile : XXXX  XXXX act # XXXX XXXX Act # XXXX XXXX Acnt # XXXX {$470.00} XXXX XXXX XXXX Acnt # XXXX XXXX  XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX Acnt # XXXX XXXX XXXX XXXX # XXXX {$220.00} I've disputed these accounts multiple times with Transunion, XXXX and XXXX over the past year and they are still appearing on my credit reports.

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 2021-02-15
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband & I started the refinance process in XX/XX/2020 with Amerisave. We paid the {$500.00} application fee immediately to start the process -- - We started the process with XXXX XXXX he was pleasant and quick to respond. We got all information to him and he moved us to XXXX XXXX ( processor ) since late XXXX of 2020. We have submitted our banking info 3 times because it is expiring because the process is taking so long. My credit has been run 2 times ( the 2nd time I got an email from XXXX asking to re do it and I said i would prefer not to- but it done by someone anyway. The appraiser has been out as of today 4 times because the process has taken so long. I can never get honest or transparent information from XXXX XXXX and she always blames the underwriter or someone else- it was the appraisers fault today that we are needed another appraisal. XXXX for a refinance is absurd. We have been so patient but are exhausted and so very frustrated and sad that during a pandemic I have had to welcome a stranger in my home 3/4 times for appraisals.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no 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 non-monetary relief
Consumer complaint received 2021-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Was not notified of investigation status or results

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 this creditor has violated my rights under 15 USC 1681 section 601 states I have the 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. Under 15 USC section 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 2022-04-21
Company: Paypal Holdings, Inc
State: NV
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:
PAYPAL XXXX XXXX XXXXXXXX... XXXX XXXX, XXXX  TELEPHONE NUMBER XXXX TALKED TO THEM XXXX XXXX XXXX. They told me to change the wordings of the dispute with my bank to which I did but up to now, I did not get my refund to the item in the amount of {$30.00}. 

This is an item advertised on XXXX. The item arrived with no information inside as to what product they sent, how to use it, everything, no return address, no return label incase the product is too small, too large or defective. In this case it was a fashionable eyeglasses for 65+. Once I tried it on it was too blurry for me, it gave me a XXXX and I feel like spinning around trying to make use of it but was too uncomfortable. If they had the return label, I would have return it right away. I disputed it with my bank 2 times but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have reached out to the bureaus regarding fraud on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them several times. They told me to file an identity theft affidavit to remove the items. I have done everything, and I never get a response and the accounts are still there. This had prevented me from refinancing my mortgage. This is such a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
SEE HERE IS THE ISSUE WITH YOUR HORRIBLE CREDIT BUREAUS. THEY ALL ARE OUT FOR MONEY? 
I THINK ITS XXXX SHAME HERE AT THIS NATIONAL CRISIS TIME TO BE ASKING PEOPLE TO PAY MONEY TO HAVE THEIR CREDIT FILES MONITORED. WHO IN THE XXXX CAN AFFORD TO DO THIS MONITORING MESS? Not to mention, this other Scam that XXXX  has going about the XXXX  your Credit Score? XXXX  run these fake advertisements telling consumers to list one of your major credit cards that shows that you pay your utilities with then XXXX  will so call XXXX  your credit scores up to 50 points. Total lie! I did the XXXX scam with XXXX  credit bureau to help try to get the extra credit XXXX  for my CREDIT score, It comes to find out this credit XXXX  thing with XXXX   was nothing but a fraud. After you register your credit card info with XXXX  credit bureau they send you a fake email saying theyre still trying to track your utility payments showing up on your credit card you registered with XXXX  so they can XXXX your credit score but XXXX   do no such thing! things like this is what your agency MUST stop these National Credit Bureaus from doing. Its a Crime! 
OK because its a total scam to get people to spend money with them. the more you spend with these fake lowlife credit bureaus then they will help you with your score. I dont think so! every consumer earns the right to their own score by working hard to pay their bills best they can especially during this horrible National crisis! 
I as a consumer CAN BARELY PAY RENT AND UTILITIES NOT EVEN FOOD OK SO SICK OF THIS! Why keep putting me through this UNNECESSARY STRESS. 
DONT YOU PEOPLE THINK WE CONSUMERS HAS BEEN THRU ENOUGH! STOP THIS MESS RIGHT NOW. TRANSUNION/XXXX   SHOULD HAVE NEVER ALLOWED THIS KIND OF THING TO HAPPEN WITHOUT CONTACT ME AS THE CONSUMER FIRST. WHY DO THESE CREDIT BUREAUS JUST GO AHEAD AND POST all kinds of crazy XXXX ON HARDWORKING CONSUMERS CREDIT FILES WHEN IN THE FIRST PLACE CREDIT BUREAUS HAS NO PROOF THAT THIS IS REALLY an ACCURATE DEBT? Consumers should be given the benefit of the doubthow do we know a fake creditor is plotting to try to extort money? I can understand that some consumers never even think about checking these kinds of mishapBUT I DO because I AM DESPERATELY TRYING HARD AD XXXX TO BETTER MY CREDIT SO I CAN START MY OWN BUSINESS. STOP ALLOWING THESE CREDITORS THAT I HAVE NO IDEA OF KNOWING SABATOSH MY CREDIT REPORTS! LOOK AT ALL OF THIS MESSI am finding on my credit reports. Please make this STOP!

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 2023-06-06
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:
In accordance with the Fair Credit Reporting act 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 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

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted Transaction several times about the inability to access my account, the reporting of inaccurate information, and the removal of an inquiry I did not authorize. I have sent letters, spoke on the phone, and submitted online disputes through a 3rd party. I have not received any information or proof of owing certain debts. Also, disputes have been pending over the 45 allowable days with no response. 
XXXX XXXX XXXX is inaccurately reporting late payments for XXXX and XX/XX/XXXX. 
XXXX XXXX XXXXXXXX is inaccurately reporting late payments and balance owed. The late payments are from XXXX and XX/XX/XXXX. The account was closed and paid. 
XXXX XXXX is inaccurately reporting a late payment in XX/XX/XXXX and balance owing. This account was paid and this dispute has been pending over 45 days. 
XXXX is reporting a late payment and I disputed this account for inaccurate information and it has been pending for over 45 days. 
XXXX XXXX XXXX XXXX has been in dispute for fraud for over 45 days. I have received no information about this account, not even debt validation or accurate reporting to so it is mine. 
I have asked them to remove an inquiry from XXXX XXXX XXXX from XX/XX/XXXX because I have not authorized any application from this retailer. 
These mistakes has a direct effect on my ability to receive loans and credit at a lower rate. I have been denied on occasions because of inaccurate 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