BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: SC
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:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX XXXX U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a accountwithout my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX, XXXX XXXX U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX & XXXX XXXX, XXXX XXXX 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 Delete the late payments please immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are numerous credit inquiries on my report that were unsolicited and non consented to, that are extremely detrimental to my credit score and I am having an extremely difficult time finding a lender because of those non consented to inquiries. One in particular was from XXXX? My bank told me there were close to XXXX something inquires from them alone. In my opinion, if I consent to the inquiry, they should only be able to check once correct? This is devastating! Please 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 2023-08-21
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: Information belongs to someone else

Complaint:
this is my third time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the accounts : XXXX XXXXXXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX  # XXXX {$890.00} -XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX # XXXX {$970.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX # XXXX {$1000.00} I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
A loan through XXXXXXXX XXXX was paid off on XX/XX/2023. I sent in a bank statement to all three credit bureaus showing the balance was paid off {$1900.00} on XX/XX/2023 but when the dispute is returned to me it keeps stating nothing has changed and that I still owe the entire balance. and was verified by the lender which I find ridiculous. I am working with a mortgage lender trying to raise my credit score. but this is impending my progress. I need this resolved asap.

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 2021-05-28
Company: LEXISNEXIS
State: MS
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:
To LexisNexis Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent! THIS IS XXXX!!! I AM SUBMITTIING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! I have reached out in regard to these varies of accounts. These companies have repeatedly broken several of congress laws. These companies have repeatedly invaded my privacy. On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: NV
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 my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX CAXXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX , NV XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX  XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX/2022 ; XXXX XXXX XX/XX//2022 ; XXXX XX/XX/2022 ; XXXX XXXX/XXXX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XXXX2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX/2022 ; XXXX XX/XX/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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Last XXXX of SS # XXXX Credit Bureau Name : Transunion Credit Bureau Address : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name : XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes removed XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To Whom It May Concern Good day to you! I have written to all 3 Credit Bureaus to update my address to only. I told them that I have no idea why the collections were on my report because I never lived at the addresses on my report, and that I sent them a letter from a clerk at the court stating that they do not verify with the Credit Bureaus and I have not received any reply as yet. Today is XX/XX/XXXX and I wrote the letter since XXXX XX/XX/XXXX. The issue has been going on since XXXX. I have 31 hard inquiries and I dont know how it got on my report. Im a XXXX XXXX  veteran and Im tired of dealing with the stress each day with them not correcting my name and personal information. 
Thank you! 

Very Respectfully, Concerned XXXX XXXX Veteran

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 2023-08-21
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: Information belongs to someone else

Complaint:
Good morning, I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently applied for credit and was denied based on the information provided by XXXX and TransUnion to the company I was interested in attaining a credit from. It was reported the following : Derogatory public record or collection filed Ratio of balance to limit on bank revolving or other rev accounts too high Length of time accounts have been established Time since delinquency is too recent or unknown Our credit decision was based in whole or in part on information obtained in a report from one or more of the consumer reporting agencies listed below. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion Dispute Request XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXXXXXX http : //www.transunion.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX We also obtained your credit score from the consumer reporting agency and used it in making our credit decision.

I DO NOT have a delinquency or a derogatory public record. These credit reporting companies have violated my right to obtain credit and provided inaccurate information on my behalf.

I request this to be corrected, in addition to monetary compensation for lost time and lost financial opportunities. 

Sincerely, 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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Permanently Delete all inquiries that are not linked to an open account due to the fact that they are fraudulent inquiries not done or recognized by my person or did I provide my consent. All inquiries have been permanently deleted from XXXX and should be removed from Transunion 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 explanation
Consumer complaint received 2023-10-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had both a USAA checking and a savings accounts for the past 3 or 4 years. I have been attacked by attempted cyber security breaches for the past year. On XX/XX/XXXX  I was called by a person who claimed to be a USAA agent seeking to help me with the cyber security attacks, they acted like any other USAA agent, and had all of my information just like any other USAA agent I had ever interacted with in the past. They were actually a hacker who either drained both of my accounts, or assisted in draining both my savings account and checking account of the entirety of a combined roughly XXXX US dollars. A few days later I was called by an actual USAA agent informing me of ; all of my money being stolen, USAA refusing to do any further business with me including the closure of both of my accounts, and that USAA 's anti-fraud department would start a fraud-claim investigation which would be finished in an estimated 7 days. I was told that once the anti-fraud-claim investigation was completed that all of money would be refunded in a check that would be sent to me via a check in the mail. Once those 7 days where up I called USAA again, this time they gave me a different story, saying that the fraud claim would now take 60 days to complete instead of 7, but that I would still get my money reimbursed once it was over. During my final call to USAA on XX/XX/, I was informed that my anti-fraud claim had already been resolved on XX/XX/. I was never called or otherwise informed of this until I called USAA on XX/XX/. The anti-fraud department decided that no fraud could be detected and that I shouldn't get ANY of my money back. During the entirety of this event my XXXX  XXXX XXXX  and I was put out of the job as a result, leaving me destitute and unable to do much of anything. The savings account was drained through ATMs in Texas, I live several states away and could not walk there let alone walk with the XXXX XXXX. The checking account was drained with multiple online purchases, none of which I received. My mother, aunt, and brother can attest to my condition at the time. I did not engage in any fraudulent activity, and I deserve my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: LEXISNEXIS
State: IL
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 have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. Lexisnexis is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deletedXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Solar Mosaic LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a loan for solar panels on XX/XX/XXXX. Per their documents in the disbursement section, they would not disburse the money until certain conditions were met. They contacted me twice on XX/XX/XXXX and XX/XX/XXXX inquiring if the system was operational. Both times I replied no. They proceeded to disburse the money to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which is now no longer in service. The money should not have been disbursed until the installation was complete and operational. Had I been paying them I would not have paid until the job was complete. I have opened XXXX complaints on XXXX and XX/XX/XXXX, and I was told they would contact me. Both complaints were closed with no contact and directed me to call the solar company which Ive told them is no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: AXOS FINANCIAL, INC.
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Ive been trying to transfer my money out ( declined with no explanation one month ago and ignored my inquires 3 weeks ago ) and then close my account ( also ignored my communications over a week ago even though their site says they will reply in 2 days ). They will not let you close over the phone- automated system says due to security reasons. I have never been able to talk to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Shellpoint Partners, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I got a loan from New Rez, which became shellpoint and a few other names. I made every payment on time in addition to making 6 extra payments. I spoke to the company, sent in proof of payments and sent credit companies proof of this. The credit companies claim they didnt receive them even though they were sent return receipt requested. This has caused me untold grief and I cant understand how they can get away with it. They were sued along with XXXX and they lost that suit. Nothing I do seems to help. Please help me get this inaccurate info off my credit record. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am deeply distressed and alarmed by the current state of my credit record and my overall situation. This ordeal is not only incredibly embarrassing but also clearly a result of either your actions or the corporation 's negligence in disseminating 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 2023-10-29
Company: HGREG.com
State: NC
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:
Hgreg.com has made inquiries in my credit without my consent and would need said hard inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently gained a copy of my credit report and noticed inaccurate and unfair inquiries that are hurting my general reputation as a consumer. I demand these bureaus to delete said inquiries, and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these inquiries without written signature. attached are the fraudulent inquiries made by the following companies

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