BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I set up deferments and was told my payment will be pushed to end of loan term that I will not have late remarks or fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
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: Account status incorrect

Complaint:
This account is reporting negatively as collections on my credit report despite not having any monthly historical data at all. This account is reporting negatively as collections on my credit report despite of my long-standing history of on-time payments. THIS IS CLEARLY INACURRATE REPORTING.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
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:
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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2022-08-25
Company: Kashable LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied for a loan around XX/XX/2021 last year I had got approved for it. While I was waiting for it to be deposited I realized that I messed up the routing number by a few digits. I quickly called the loan company they basically told me it was nothing they can do about it I spoke to my bank they also said the same thing. they said it would just affect my credit even though I never received the money Ive even filed a police report still nothing now I have late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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: Personal information incorrect

Complaint:
Company has wrong addresses work place on my consumer report and should only have my correct name on report XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Target Correct name ( XXXX XXXX XXXX ) any thing other than this should be changed or fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
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 belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 matter must be resolved asap. these items are on my report due to identity theft/fraud. per 15 usc 1681b you all are breaking the law by furnishing this information without my permission.

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 2023-06-17
Company: Ability Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX Account type XXXX XXXX Individual Date opened XX/XX/2023 Status Collection account. {$930.00} past due as of XX/XX/2023. 

Before this point I contacted the hospital and told them they needed to bill my insurance since I had it and they refused to so. I am willing to pay my copay for this but I'm not willing to pay that total when I had XXXX at the time, they know it but I didn't have my XXXX card on me. They refused to bill XXXX  therefore the account should be paid in full. Now it's reported to the credit bureaus which is hurting my credit.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-14
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for eny purpose XXXX XXXX Acct 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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 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 2022-05-15
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 writing this follow-up letter exclusively to your organization to express my concern regarding the absence of any response from your end regarding the incorrect, unverified, and misleading information present on my credit report. On XX/XX/2023, I sent my dispute via CFPB to notify your agency about this issue. I am becoming increasingly worried that this situation will negatively impact my reputation as a consumer, potentially affecting my ability to secure future loans and credits.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXXXXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls 3 to 4 times Daily includin Weekends, for the past 3 years! 
PORTFOLIO RECOVERY continues to ignore my requests to stop calling me!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have filed a dispute with Bank of America ( BoA ) on XX/XX/XXXX. To the date of this letter the clain remaibs open unpaid. Per Regulation E the timeline given is only 45 calender days. Additionally no credit was provided as should have been per the consumers compliance guide and Regulation E. Upon attempting to call BoA they have decided on there own to not only change the time allowed but to also change the focus of said claim. Regardless a electronic transfer as this was is only able to be reaearched for 45 days. The cfpb states you would have had to provide a credit but instead you have filed it wrong about 4 times after i have been told to call and file it differently just to find out i was correct the whole time. This is unacceptable and i demand my funds be placed onto my account and the case be closed in my favor. Iv veen told you have longer by a few employees but nonebof them have provided any proof of that so ill include where it says you dont have more then 45 days.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Company has wrong addresses work place on my consumer report and should only have my correct name on report XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) any thing other than this should be changed or fixed.

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 2023-01-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hi my name is XXXX XXXX XXXX XXXX Im contact the credit bureau about my name and address on my credit report also I send them proof that the names and addresses they have listed on my credit report was not my, I have one name that I have used though out my life and would like this corrected.According to the fair credit laws anything on your credit report supports to be accurate and correct. Names thats not corrected XXXX XXXX XXXX and XXXX XXXX XXXX and addresses that not corrected is XXXX XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX also removal of all accounts attached to these names and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I XXXX XXXX XXXX in XXXX, Utah. We mailed in our rent checks to the landlord. Someone stole the mail from the landlord or had access and they cashed my business checks for rent at a third party bank, XXXX XXXX We had to pay our rent on top of losing almost {$10000.00}. Wells Fargo has ignored us for over 2 years and never tried to rectify the situation. they never credited our account. They never returned phone calls. They never verified the transaction or the checks when the fraud was committed. they allowed a third party to cash the checks against a personal account and not in his name. Wells Fargo never reached out to us regarding the checks and they allowed them to be cashed. 

For XXXX years, we have been chasing Wells Fargo for answers and our money back. We are constantly ignored. We never received our money or a credit. We had to pay our rent on top of losing the money. Due to XXXX related problems and no XXXX loan, we shut the business down. We are still our {$9800.00} from Wells Fargo cashing our checks to a personal account that is clearly fraudulent. As of now, we demanded help again and they assigned a NEW person to work on our issue and we still have no answers or cooperation. Wells Fargo will not share the information with XXXXXXXX XXXX for us to follow up on. They will not provide any information in writing as of now. Wells Fargo never returns our calls and have been very difficult to work with. They asked us to get notarized affidavits, make personal statements and more. We have done everything they requested only to have them ignore us and not retrieve our funds. I am very concerned that I will not get my money back willingly. Wells Fargo is making no attempt to fix the situation over XXXX years. I am going to have to find an attorney to sue them for my money back that they allowed to be given away to an individual at a third party bank.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is in response to complaint XXXX that was submitted XX/XX/XXXX. The company 's only response was that some of the inquiries reported were not on my credit report- the only 2 inquiries that aren't there are XXXX XXXX and XXXX XXXX XXXX XXXX They failed to address the other inquiries in question. I received a notification on Experian saying that my dispute results were ready and that I had to call in to get the results. I called Experian and they stated that there were no items in the dispute report number that I gave them. For your reference the report number is XXXX and I will include an attachment of the report number as well. I am aware that all calls are recorded so the time stamp in which I called Experian is XX/XX/XXXX at XXXX. This is for your reference as well so that you can indeed fact check what the representative told me because at this point, I am now filing a complaint with the XXXX. I also filed a complaint with the FTC and I will attach that report. CFPB should make sure that companies are held accountable, and it seems as if this hasn't been the case. I am asking for all of the inquires listed in the letter be removed immediately. How are you reporting unauthorized inquiries against my will? How can a creditor pull my report without my knowledge. I was also involved in a data breach so how are you determining that these are my inquiries if I am saying otherwise? I will attach the letter along with the other documents I stated. If this is not handled in a timely manner, I will be seeking litigation. I will be asking to be compensated {$1000.00} per violation in which I have this right per FCRA. Please refer to the letter I sent informing you of the inaccurate inquiries.

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 2020-12-11
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX credit report reflects a false collection amount of {$59.00} due to Sequium Asset Solutions, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX for a cable/cellular Charter Communication account that does not belong to me or was ever opened by me. I submitted a dispute via My XXXX and their findings from the company stated the account does belong to me when it fact it does not. Written proof about this account ( such as the original agreement ), was never provided by this creditor and their mailbox seems to be miraculously full when you call during normal business hours. 

I request a full investigation into this matter and expect my credit report to be scrubbed of such falsified reporting information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation