BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these inquries are fraudulent... 
i asked to be removed and nothing was removed

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: TX
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 problems with my credit since they put accounts there that belong to my father, they are not mine. I need them to verify both files and put what corresponds to me

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX  -- -- - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-05-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On Monday XX/XX/XXXX, it was brought to my attention from my home lender that I had a collection from Enhanced Recovery Company with the originator as XXXX for {$2000.00}. An account was created under my name sometime in XXXX and the collections were filed under my XXXX and XXXX reports on XX/XX/XXXX and XX/XX/XXXX respectively. 

I have never had a XXXX account and don't hold any email or physical records of creating an account as well as bills sent to my physical address or e-statements sent to my email address. I also don't have any payment methods linked to a XXXX account. 

On Thursday XX/XX/XXXX, I called XXXX to clarify any billing information under my name and they told me an account was closed and there were no records of payment. 

Today, Saturday XX/XX/XXXX, I went to the XXXX  store to gather further information regarding this account. The store representative showed me an address based out in XXXX, XXXX  with two different phone numbers that I have no affiliation with as I live in XXXX and have never visited XXXXXXXX. I have attached a couple photos of the address that was used to purchase 2 XXXX 

I have clarified with XXXX that this account is fraudulent and that I have no association with this account other than my credit being adversely affected as a result of the collection from Enhanced Recovery Company listed on my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was sent {$90.00} by someone I did not know on XX/XX/XXXX. The same day I sent money to a friend of mine. Before all of this, my friend who I know asked me for my XXXX info, stating that I may receive some money later that day. I was not informed what it was for, who it was going to be from, or how much it was going to be. 

XX/XX/XXXX, my XXXX account phone number and email were removed from XXXX and restricted so that they could not be used again. 

When I called and tried to explain my situation to a specialist at Wells Fargo over the phone ( after normal banking hours ) I was met with hostility like I was being interrogated for a crime, and as I was explaining what happened, the call center representative accused me of crime without due process and without even letting me finish my sentences. 

She refused to let me continue speaking, talking over me and sighing heavily and dramatically. 

She said I should not be sending money to a business, receiving money on behalf of a business, and that I should let the sender of the money do business without me being involved, essentially accusing me of knowingly engaging in some kind of money laundering or money crime. 

I was very angry and ended up hanging up the phone. 

I then learned that my online banking was locked and I no longer had access. 

This is vexing and caused me a lot of XXXX  because I can not afford to not have access to my bank account or my XXXX. 

I called again, where I was met with a very rude man who also talked over me, would not let me speak, and told me that he was warning me that he would hang up if I did not stop talking, he hung up. 

I called again. 

I calmly explained my situation, explained that shutting down access to my account is damaging to me in several ways and that I believe my account access was shut down by the original employee at the call center I spoke with unfairly in retaliation for an offense. 

I was informed that they can do nothing and that I am being investigated. 

I told them that I will be pursuing legal action for their mishandling of my account and the damage they are doing to me by accusing me of crimes I did not commit and cutting off my ability to send and receive money via XXXX, which is a payment method I use to pay my bills, unless they restore my account access and my ability to use XXXX to send and receive money.

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: EQUIFAX, INC.
State: FL
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely 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 2023-12-19
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'm a casualty of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, 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 2018-02-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX through XXXX charges me outrageous late fees, refuses to work with me on making these payments, then tries to take money from my bank, causing me to get overdraft fees. Customer service representatives call me on a daily basis, are rude, and are unhelpful.

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 monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account is paid in full. I have a XXXX balance and the verification was emailed out to me on XX/XX/2023. However, it is still showing on my credit report for the full amount of {$200.00}, XXXX. Each time I dispute it with the credit companies I get a notice stating that XXXX is reporting that the amount they have is verified. Each time I call XXXX they tell me that they are not reporting that amount to the credit companies and there is nothing they can do to help me.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-08-14
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a follow up from complaints XXXX, XXXX, XXXX, and XXXX. Goldman Sachs claims in their reply to XXXX that they have restored my installment plan and that they would follow-up with me. As noted in my reply to that complaint, I never received any such follow-up, and furthermore, my installment plan was not restored with the original terms and conditions. Today I spoke with a different resource at Goldman Sachs, first name 'XXXX XXXX, and he indicates the terms have changed and they have no way to restore them to the original agreement. I share this fact with the CFPB for information, as I believe changing the terms of this agreement is likely in violation of any number of Federal regulations, but Goldman Sachs is unwilling or unable to restore my original terms. I doubt that fact is likely to change in response to this complaint. The sum total of all of these issues have consumed countless hours of my time and based on my reading through public complaints in the database it would appear very probable that I am not the only consumer adversely affected by Goldman 's many issues with this product. I would encourage the CFPB to further investigate these systemic issues as all my good faith efforts to do so directly with Goldman have failed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The mortgage was originated with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Bank XXXX XXXX was acquired by XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX,  the XXXX XXXX XXXX XXXX XXXX was closed by OCC with FDIC as receiver. During my bankruptcy, XXXX filed a proof of claim dated XX/XX/XXXX. It contained a copy of the mortgage, rider, original note, an assignment dated XX/XX/XXXX with a stated Effective day of XX/XX/XXXX ( recorded XX/XX/XXXX ) from XXXX to XXXX as trustee for XXXX mortgage pass through certificates series XXXX. It was executed by XXXX XXXX on behalf of XXXX. However at this point the XXXX XXXX XXXX XXXX XXXX was in receivership and the FDIC was the receiver and XXXX XXXX would not have had authority to transfer this note. The copy of the Note was stamped ORIGINAL ( with no binder holes ). The allonge was not attached at that time. 

I have requested a loan modification numerous times. I have basically not qualified based on failing the net present value test due to their inflated valuation of the home as well as qualifying for a reduction of my payment of less than 10 %. I requested a waiver of these provisions on several occasions but again with no response. Now I am just denied without even a review, Wells Fargo, the servicer for XXXX said that I didn't qualify for a modification and they wouldn't even review it. I asked for documented verification of this and they have refused to provide this. 
In XX/XX/XXXX, I was forced into a Chapter XXXX bankruptcy due to the downturn in the real estate market and a condo project I was building.Since then I was able to file for a Chapter XXXX bankruptcy but they have still refused to work with me. I filed a bankruptcy to stop the foreclosure sale. 
I have made multiple requests for complete copies of my closing documents and loan documents. I never get them. 
After filing bankruptcy and while attempting to make a repayment plan, XXXX /Wells Fargo has said that I cant rent the property seasonally because I signed a 2nd home rider. I have read that XXXX XXXX has said that the XXXX XXXX rider should not be interpreted to say that. XXXX XXXX has recently revised their rider due to misunderstandings as to the meaning. I also have read that this is an unreasonable restraint against my rights in my property and it is against public policy. I have also read that it is only Wells Fargo that is telling home owners that they cant rent their properties.

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 2023-11-26
Company: EQUIFAX, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
I am highly upset the credit bureaus have responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. I am authorizing this investigation this is not a third party company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Signed up for fasfa and I have a open loan of XXXX for XXXX XXXX that I never signed for. I don't know if I am listed as a co signer but I did not agree to have my credit used

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX2023 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XXXX XX/XX/XXXX2023 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XXXX XX/XX/XXXX2022 XXXX XXXX XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 a victim of identity theft please remove this fraud inquiry 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 non-monetary relief