BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
There were modifications made to this account When in fact it should be blocked from my account. They have failed to block this information from my account. The account is coming back verified but When I sent in a letter check for verifying this information there were modifications made from my own discovery. Which indicated to me there company isn't being honest and just updating the information " AS VERIFIED '' this account is FRUAD, there's no truth to these accounts.

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 2023-05-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent several letters, and complaints to have information removed and it still remains in my credit. Its inaccurate and they continue to remain in my credit : You have opened an Account Dispute on your Experian credit report. 
XX/XX/2023 Your Dispute Results are ready. 
XX/XX/2023 Notifications Preferences Select all Mark as read Archive All alert types Sort Your Account Dispute has been updated. 
XXXX XXXXXXXX XXXX You have opened an Account Dispute on your Experian credit report. 
XXXX XXXXXXXX XXXX You have opened an Account Dispute on your Experian credit report. 
XXXX XXXXXXXX XXXX  You have opened an Account Dispute on your Experian credit report. 
XXXX XXXXXXXX XXXX Your FICO Score has decreased by XXXX points. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX has reported your account as over or at your credit limit. 
XXXX XXXXXXXX XXXX  Good news : Your FICO Score has increased by XXXX points! 
XXXX XXXXXXXX XXXX XXXXXXXX got a copy of your Experian Credit Report. 
XXXX XXXXXXXX XXXX Your Account Dispute has been updated. 
XXXX XXXXXXXX XXXX Good news : Your FICO Score has increased by XXXX points! 
XXXX XXXX XXXX Your Address Dispute has been updated. 
XX/XX/2023 Your Employment Dispute has been updated. 
XX/XX/2023 Your Employment Dispute has been updated. 
XX/XX/2023 Your Address Dispute has been updated. 
XX/XX/2023 You have opened an Account Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Employment Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Employment Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Address Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Address Dispute on your Experian credit report. 
XX/XX/20XXXX 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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-27
Company: EQUIFAX, INC.
State: NE
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I reached out to XXXX XXXX XXXX on XX/XX/XXXX to ask about COVID-related mortgage forbearance options. They immediately notified me that they were transferring to another loan servicer effective XX/XX/XXXX. However, I require forbearance starting on XX/XX/XXXX, so they are essentially ensuring that I will be late on my mortgage payment before I can request forbearance. 

In addition, on my first scheduled closing, the underwriter, based off a visual analysis of the appraiser 's photos, required a {$23000.00} escrow holdback as security for the completion of additional siding and installation of an external staircase. This resulted in a very stressful delay in closing that almost collapsed the deal. However, more importantly, the appraiser herself, in response to the underwriter, stated that there already was siding on the house that was present and that the stair work was not necessary. The underwriter ignored the appraiser and required the holdback anyway. 

I reached out to the lender to notify them of the fact that siding was already installed and asked if I could instead install an accessibility ramp or external lift, as I am XXXX and occasionally have trouble going up stairs. However, they refused. I believe that they are discriminating against me on the basis of my 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 2023-12-03
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 is missing that should be on the report

Complaint:
All 3 credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, 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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My issue is with Transunion, XXXX, and XXXX with a car loan company, XXXX XXXX in which each company reports lates since XX/XX/XXXX. As this is untrue, I have been paying the loan every month. Last XXXX and XXXX of XXXX I missed a payment due to unemployment. Instead of those 2 months only showing as late, XXXX, Transunion, and XXXX report from XXXX to present day as late every month when that is false. This is keeping me from getting a mortgage as a veteran. XXXX XXXX has even been paid by me for those 2 months of XXXX and XX/XX/XXXX. I will attach proof from my banking institution XXXX XXXX XXXX XXXX. 
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX, and XXXX, Transunion, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Also, I have attached proof of the payment to cover those Only 2 months late. I even have attached proof from XXXX XXXX that show I even made XXXX payments in XXXX. 

I am tired of being denied credit and having my rights violated. As a veteran, I should be treated fairly, as should anyone any consumer any American.

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: NY
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:
Account that was cleared Reported wrongful. Written Unfair investigations not On consumer side, fail To do the right thing By following 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 non-monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Today is XX/XX/2023 On the Experian credit report it states I'm 30 days late! 
My grace period is the XXXX of every month, I have until the XXXX of every month to not be 30 days late! 
XXXX XXXXXXXX XXXX XXXX XXXX has already charged me 30 days late today!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 section 602 States I have the right to privacy.

15 USC 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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX of XXXX I notified XXXX XXXX XXXX of a billing error. XXXX XXXX XXXX proceeded to close my account without resolving the billing error complaint and without providing proof of a complete and thorough investigation pursuant to section 15 USC 1681s-2 ( b ) of the FCRA.

Furthermore XXXX XXXX continues to report a charge off on my credit report and to the credit reporting agencies,. 
According to the IRS a charge-off is consider a certificate of indebtness which means that it is income. 
According to 15 USC 1681 ( c ) it is illegal to report a consumer 's transaction history, and must be removed. 
XXXX XXXX continues to increase the balance and past due amount in violation of 12 CFR 1026.13 ( 2 ), 12 CFR 1026.13 ( 3 ). 
XXXX XXXX is violating the privacy act of 1974 by disclosing my consumer record to a person, or to another agency without my written request and without my prior written consent 5 U.S.C. 552a ( b ). 
XXXX XXXX is violating 15 U.S. Code 1681 ( a ) by reporting inaccurate information,

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft. I continue to try to file disputes with the correct paperwork according to the FCRA. But these disputes are not being filed correctly and the FTC reports are not being attached to the disputes I file. I am still not getting copies of the verification process per the FCRA. When I call I cant get any 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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I did a review of my recent credit report my student loan service XXXX is the absolute worse. I noticed and read they have my XXXX loans in various different amounts as open on all three on my credit reports. My XXXX loans were under XXXX XXXX which I was awarded public service loan forgiveness due to the required payments I had 4 loans forgiven Loan Sequence as follows s # XXXX {$1400.00} forgiven # XXXX {$2700.00} forgiven # XXXX {$2100.00} forgiven # XXXX {$3300.00} Only my graduate loans should be listed not the old ones. 
My account # 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 2021-10-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It's been 10 days since I submitted my original complaint. 
Days after, I received and email stating they will contact me and it has been 10 days, I've tried emailing calling and nobody from Barclay 's cares about my situation.

I'm done.

I applied for 2 credit cards my wife and I under false pretenses and lies.

I don't want anything to do with the resort in cancun that sold me into a timeshare and sold my wife and I into applying for 2 credit cards. 
Please Call me or email me so you can access my account and my wife 's account so we can cancel this fraud and lies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED ON ALL ACCOUNTS REPORT reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law THE FOLLOW ACCOUNTS AND COMPANYS XXXX XXXXXXXX XXXX ( XX/XX/XXXXXXXX XXXX {$1100.00} ) XXXX XXXX ( XX/XX/XXXXXXXX XXXX {$11000.00} ) XXXX XXXX XXXX ( XX/XX/XXXX {$1400.00} ) XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXXXXXX XXXX {$1200.00} XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX {$1400.00} XXXX XXXX XXXX ( XX/XX/XXXX, {$4000.00} ) The hard and inquires that are negatively affecting my creditworthiness are not in complaince with the FRCA the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of XX/XX/1974 my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately.

15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according to15 usc 1681 ( b ) ABOVE ALL THINGS XXXX ACCORDING TO SEC.FILINGS IS NOW XXXX XXXXXXXX XXXX XXXXXXXX A REPORTING AGENCY I DO NOT KNOW I did not consent for them to receive any information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION PRIVACY ACT OF 1974 15 U.S.C. 1681-1681 FEDERAL REPORTING CONSUMER ACT 15 USC 1681 - [ EROMSIBLE PURPOSE 16 CFR 433.3 15 USC 1681 ( b ) 15 USC 6802-6805

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 my vehicle was stolen with all my pertinent information in it. There was also the amount of {$1700.00} that was stolen out of my Wells Fargo account. XXXX realizing that it had happened the morning of XX/XX/2023 when the XXXX XXXX XXXX XXXX police department showed up at my door. I proceeded to immediately call the bank let them know about the fraudulent transaction to get some type of rectification for it. At that time I Did, give the representative the ticket number. And was told that they will investigate as they should and it would take 7 to 10 business days. I was notified that my claim had been denied, and there was no further action that I needed to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$8800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX  XXXX {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$710.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX {$65.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXX XXXX {$710.00} XXXXXXXX XXXX  XXXX {$8800.00} XXXX XXXX {$2000.00} XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: SC
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:
have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief