BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2020-04-04
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: Public record information inaccurate

Complaint:
On my Equifax report it is still showing my bankruptcy. It says I have no Bankruptcy on file, but it is using a 3rd party to pull it up on my credit report as a public record. My bankruptcy shouldn't be showing up at all on my report, it was in 2008. I am asking that this get removed. I tried to ask them to remove it for me, but was unable to have the option when I was on that page to try to respute, please let me know. I've suffered hard and long enough with this on my report, its not been 12 years and it needs to be gone!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : {$8400.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$830.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$3200.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$430.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: PNC Bank N.A.
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I invited my son and his girl friend over to my house for XXXX. He stole 3 of my credit cards which I didnt know were missing. I received a bill from one card and knew it had to be him. I went to his house and demanded it back not knowing that he still had 2 other cards. On XXXX I got another bill and realized he still had my cards so I went and got them back and called the police and reported to them that he stole them. I called the credit card companies and canceled the cards. They said he had authorization because he is a relative.

Company response to consumer: Closed
Consumer complaint received 2019-08-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2019 I attempted to make a purchase at XXXX XXXX in XXXX XXXX, CA for {$2900.00}. My card declined the purchase and the transaction was canceled, but my bank statement showed a pending charge. I did not leave the store with the item I intended to buy, nor did any receipts print. XXXX XXXX checked their register and confirmed the purchase was canceled on their end. I called Citi Bank customer service the next day, XX/XX/XXXX, to make sure the pending charge is dropped. They ensured me it would be dropped in the next 10 days but it never did. I had to call back again 10 days later, when I say the charge was put through. I was given a case number and told it would take 90 days for the investigation. There was minimal correspondence from them and when I asked for more information about the case, I did not get any. On my last phone call with Citibank, I was informed that they put temporary funds in my account while the case was being looked at. Apparently, they still needed to hear back from the XXXX XXXX store to move forward, saying they had sent an email. When I contacted the store to move along the process, they had not received any correspondence but assured me that when they heard from Citibank they would informed them that the transaction was not completed. Since I had not heard back from either parties, I assumed the case was resolved, however, on XX/XX/XXXX, I noticed the money was taken out of my Checking. I called a representative and they told me the case was closed an denied. I asked to speak to a manager and was not given any helpful information about how to proceed. This situation has gone on for too long and they did not seem like they were taking the claim seriously. This is a lot of money that they are withholding and I feel as though I have no control in the situation at all.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-08-11
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Experian have been put on notice over 30 days ago in regard 's to three collection companies that are unlawfully violating the fair credit reporting, again I have sent out legal documentation letters and corespondences XX/XX/XXXX asking them to take action and remove derogatory unlawful reporting is now going on 60 days and still reflecting on profile again I sent out court orders/case number and relevant information to remove imediatly XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX all three credit bureaus should receive Thursday XX/XX/XXXX and should immediately remove from report, the bureaus have stalled time after time regenerating 30 day investigation my documents qualify for immediate removal

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 2017-04-06
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We obtained a 30 year fixed mortgage from Dovenmuehle Mortgage Inc. on XX/XX/2017. We bought the property for {$150000.00}. The appraisal came in at {$240000.00}, and our loan was only for {$150000.00}, which gives us approximately 40 % equity in the property. Even though our equity on the property is significantly over the 20 % equity required to waive PMI, XXXX refuses to waive it claiming that they honor the appraisal or purchase price whatever is lower. This seems completely unfair and is just a way for Dovenmuehle Mortgage Inc. to make additional money for something that is not necessary. We have an excellent credit score and we have significant assets to cover this loan which was shared with the bank at the time of the application. We are not a high risk customer, and with over 20 % equity owned in the property, Dovenmuehle Mortgage Inc. should be fair and waive this PMI requirement immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: MO
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX- Fradulant XXXX XXXX- Fradulant XXXX XXXX XXXX Fradulant XXXX XXXX XXXX XXXX Fradulant XXXX XXXX Fradulant XXXX XXXX-Fradulant XXXX  XXXX XXXX  XXXX Fradulant XXXX  XXXX XXXX Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX- Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX Fradulant

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 2022-04-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was NEVER advised this account existed. I have never received a bill/invoice from the debt collector or service provider. Not until I applied for credit was I aware that this account existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX- Fradulant XXXX  XXXX- Fradulant XXXX XXXX XXXX Fradulant XXXX XXXX XXXX XXXX Fradulant XXXX XXXX Fradulant XXXX XXXX-Fradulant XXXX  XXXX XXXX  XXXX Fradulant XXXX  XXXX XXXX Fradulant XXXX  XXXX Fradulant XXXX XXXX XXXX- Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX Fradulant

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/2018 I received a notification that a new inquiry had been posted to my credit file by the creditor XXXX XXXX XXXX. I did not apply for credit with them so I disputed the inquiry via XXXX online. I received the reply that it was considered valid and they would not be removing the fraudulent inquiry. I also received a letter from them on XX/XX/2018 stating they were dealing my credit request and that if I needed/wanted more information as to why that I needed to contact Capital One. An inquiry was done fraudulently and it was not done by myself or anyone in my immediate household.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2023 I contacted XXXX XXXX XXXX services. I made them aware of a 30 day late payment that was being reflected on my credit report. I told them this confused me as the card was paid in full in XX/XX/2023 and I have not used the card. XXXX confirmed that the amount shown on the card was for a recurring charge ( that should not have posted ). XXXX, 1 ) corrected the account 2 ) refunded the late payment they charged and 3 ) notified Experian that the 30 day late should NOT be on my credit report. Experian initially removed the 30 day late from my credit report. At that time XX/XX/2023 I had an XXXX credit score with Experian I then contacted XXXX to close the card to ensure I did not have any further credit recurring charges, breaches or other issues. When XXXX notified Experian in the next round of monthly updates that the card was closed, Experian then updated my file to reflect the XXXX card being closed and at the same time CHANGED THE XX/XX/2023 payment back to a negative reporting result. 

I then contacted XXXX to determine if this was an error or possibly even a retaliatory action on XXXX 's part because I closed the credit card. XXXX was very helpful and I spoke with 3 different representatives in 3 different departments, ( recording each call ) and confirming that ALL 3 DEPARTMENTS CONFIRMED that there should be NO LATE PAYMENTS REFLECTED ON THE ACCOUNT. I notified Experian Experian has refused on 3 separate occasions to update and correct the information. Please know that should I not be able to resolve this issue with Experian with the help of the CFPB it is my intention to seek the advice and support of legal counsel to use all of the avenues available under the law to ensure that Experian follows their legal obligation to provide accurate 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 explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 just received my reinvestigation back from Transunion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. 

See pages 22, 23, 26, 27 of the attached credit report as evidence. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX & XXXX, I sent a letter to Trans Union regarding the following accounts on my credit report : XXXX XXXX XXXX acct # : XXXX ; XXXX XXXX XXXX acct # : XXXX & XXXX XXXX XXXX acct # : XXXX. By not reporting the ENTIRE ACCOUNT NUMBERS, THEY ARE NOT REPORTING 100 % ACCURATE INFORMATION AS REQUIRED BY SECTION 609 OF THE FAIR CREDIT REPORTING ACT. And because of their improper procedures this is highly damaging to my credit score.Trans Union is continually violating federal law by not reporting the full account numbers per account. Also, there's several hard Inquiries on my report without my knowledge. According to the FCRA a hard inquiry can ONLY be made with the explicit consent of the inquiry. AGAIN, I DID NOT consent for these inquiries, nor was i even made aware of its occurance. I have asked Trans Union to please remove these from my report. I submitted to Trans Union in XXXX a letter showing i've dealt with Identity Theft, yet they continue to list things on my report and have yet to provide documentation i have requested.

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 2019-11-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Credit Reporting Agencies continual violation of FCRA 605B. Along with several other consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

Account name : XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-04-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been in contact with my insurance provider who confirmed the debt was paid in full. I have also been in contact with the debt collector ( Wakefield & Associates ) who also confirmed the amount was paid in full and they would update my credit report. The debt collector is refusing to update my credit report to reflect the account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: LA
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 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.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation