BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX  has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and 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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, XXXX, and Transunion under section 1681s-3. By federal law should not be sending misinformation about my credit utilization and late payments should not be on my be on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX  I checked my credit report to see numerous unauthorized inquires.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
AGAIN : false comments made - 1 ) too few accounts currently paid as agreed- reports show counter ( truth ) " never late, pays as agreed '' ; credit score first time report XXXX, XXXX show XXXX ; 2 ) insufficient number of satisfactory accounts- have satisfactory accounts- more than enough. These falsities have not been corrected NEW : Unable to dispute collections item ( did so with XXXX who removed it ) can't accessTransunion dispute option. ; Unable to add paid off credits with XXXX and XXXX for same reason Have tried several channels given to contact TransUnion none of which are accessible due to having to purchase credit score of monitoring service. 

I hold TransUnion as number XXXX culprit in denial of auto loan, as XXXX was confused by their reports. Have been told by dealership XXXX would have approved me but needed couple of answers but I was denied that information and any contact with XXXX. XXXX 's " secrecy '' as unavailable to this customer has also been audacious. My good credit has been ruined as my credit score has plummeted.

Dealership itself trying to defend itself that it's my not big income, but willing to bamboozle me with a 72 month, {$400.00} payment with their creditor. 

I am convinced that TransUnion plays the part of cohort to deny a good risk person loans.

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 2023-09-09
Company: Indie Technology DBA Found
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new business banking account with XXXX. Part of the account creation was providing both proof of my business and proof of identity. As soon as I got my first payment for work completed, found froze my account and wouldn't let me access my funds, citing suspicious activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion is in violated of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my TransUnion Report without my written authorization and permissible purpose under the Fair Credit Reporting Act and its guidelines which is a direct result of IDENTITY THEFT. A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2 ) The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D Ind. 2003 ). 15 USC 1681 ( b ) c ) - Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person or record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer. According to the law referenced, TRANSUNION must remove the following unauthorized inquires that were pulled from my report without my written authorization and permissible purpose Immediately listed in my notice sent to them or they will face legal consequences.

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 2023-05-05
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
My Capital One credit card was compromised sometime in XX/XX/2019 There were several charges on my XX/XX/XXXX bill which I did not make. I called Capital One and they agreed to remove the charges and send me a replacement card. They sent me a new card and removed some, but not all of the charges. 
Because they remained on my card ( and I didn't pay them because I thought they had been removed ), I was charged late fees and interest. I have letters from Capital One about removing the charges. 
I called again and was assured that the late fees and charges would be removed and I would owe only {$1.00} in interest which I paid. However, my next bill did not reflect the promised removal and in fact more late fees were added on. I called again and was told the same thing, and again, my last bill ( XX/XX/XXXX. ) had more late fees added on. 
My most recent call was XX/XX/2019 and I talked to 3 different " account specialists ''. I was told 1 ) that again that the charges had been removed ; 2 ) that the charges could not be removed while I had a balance due 3 ) that the charges would be removed and they would email me verification of that. I checked my email numerous times and never received anything. After being put on hold, they told me I had to have online banking to receive an email. I then asked for something via regular mail and they said they would send that out and it would take 10 business days.

Bottom line, they have been giving me the " run around '' and I am not getting anywhere with these numerous calls..This last call was especially frustrating as I was told 3 different things by 3 different people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. 

I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. 

These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. 

Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent 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 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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-05-05
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My savings account was used unauthorized by this company online that I currently use. They kept telling me that it was my fault for accounts to change from my current to the other. 
Not true at all. When I saw my payment not go through, I went into account and hit the PAY NOW button ... not realizing my account was switched. They keep blaming me for mishap and not themselves. I'm am very irate. These people are completely XXXX XXXX They always read script-like, telling me they can resolve by me making a new payment. I paid all my bills assuming this was paid because my history of payments are ALWAYS the same. I would have to go out of the way to change my payment options KNOWING there is no money on that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a cashiers check. USAA has decided to hold that money for XXXX  days even if the federal reserve transfers the funds. This is a blatant attempt to stall my deposit while they collect interest on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/21 I got alerts

from all 3 XXXX, XXXX, Equifax I had a {$1000.00} CHARGE OFF and that is INCORRECT! It also damaged my credit reports ( plural ) and lowered my score that Ive been building back UP. This is LAST thing I need. This FALSE information as I am CURRENT and have not been late. No explanation other than an internal error. Insisted I get in writing they reported FALSE info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Total balance {$250.00} {$50.00} Late fee charged for XX/XX/XXXX rent. 
I mailed out two checks on XX/XX/XXXX certified mail. One check for rent, XXXX and water usage ( XXXX ) the other check for parking ( XXXX ). The checks were delivered on XX/XX/XXXX. They cashed the parking check on XX/XX/XXXX and stated that the bank rejected rent check. I called the bank who stated that they have no evidence of the rental company trying to deposit the check. My checking account has remained above the amount the check was valued. I asked them to resubmit the check but they mailed the check back to me with void written across it. I also tried to resend them a another check but XXXX told me that I have to wait until they send me the move out ledger. 

I send an email to XXXX XXXX on XX/XX/XXXX disputing charges. 
{$60.00} Smoke detector, carbon monoxide and 3 extra {$32.00} for XXXX XXXX XXXX XXXX XXXX ) I purchased a 2 in 1 smoke detector and carbon monoxide at XXXX on XX/XX/XXXX. I moved into the apartment on XX/XX/XXXX. I returned the smoke detector and carbon monoxide on XX/XX/XXXX and I moved out of the apartment on XX/XX/XXXX. They never provided any of these items. I never asked about it because I had my own. The lease have XXXX XXXX XXXX XXXX XXXX ) which is {$32.00} a month, I paid it every month even when it's not on the rent receipt. The lease never stated that the last 3 months before the lease terminate the XXXX of {$32.00} would double to {$64.00}. 
I also have a lawyer send them 2 letters and is about to send a third letter disputing the charges with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a call from a gentlemen on Friday the XXXX. He stated he was calling in regards to the complaint I filed on the XXXX of XX/XX/XXXX. I answered everything adequately and when I was asked my Date of birth l, I responded with what is my DOB- XXXX. He stated he did not have that on the system. He checked again and kept asking me for a diff date. I have banked with Wells Fargo since XXXX. I only have one DOB. I believe they are trying to place or find excuses for their mistake earlier this month of not allowing me to access my funds and paying my negative amounts to them and/ or use my own funds/ money. Blaming my employer and stating I could not know the reason the check was mot allowed for me to be used by myself. Now, my question is how can one possibly have an account for so long and have a diff date of birth on file all of a sudden, as to what they are supposed to have on the system and has never seemed to be different in any other call or scenario? I have banked with them since XXXX. Have always showed my drivers license which clearly states XX/XX/XXXX. He sounded very nervous when questioned and would not give me any more information but then further asked for my address. I no longer felt comfortable with the call so I proceeded to state Id place another complaint. They are trying to find ways of covering their negligence. I no longer want to bank with Wells Fargo and will be closing my account. If this in fact is not my acct or they have wrong information then I suppose them sending me to collections when not even 30 days had passed of me being negative on my acct is complete negligence and unfair to say the least. The whole situation is a mess and I would like for them to fix it. He stated nervously I should visit a branch in person. I replied I had no reason to keep wasting my time and efforts on fixing issues they have clearly composed themselves.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-05
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover Bank Open date XXXX Account number XXXX Amount {$1500.00} High balance of {$1000.00} Contacted Discover also in regards to their part of damaging my credit. They've investigated it and found that it was associated with me in any way. I provided my information and I was informed that they will be contacting the credit bureau to remove this account out my credit. My only problem is how did it get in m y credit? How do you make a mistake that way without double checking the person information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, I wrote XXXX letters for these companies XXXX XXXX XXXX Transunion ) On XXXX different dates XX/XX/2023 & XX/XX/XXXX XXXX XXXX XXXX XXXX and XX/XX/2XXXX XXXX XXXX XXXX  XX/XX/2023 for " Transunion ''. I requested to remove the error on my credit report. There were several addresses and phone numbers on my account have nothing to do with me. I requested this be investigated and that these numbers or addresses could be caused by fraud or someone opening bad accounts in my name or something I don't know but have been asking for this and have no results only " XXXX '' complied with my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
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: Information belongs to someone else

Complaint:
Identity theft fruadulent account under my name i did not apply or open this account XXXX XXXX XXXX XXXX XXXX  Open XX/XX/15 Amount 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