BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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.

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 2023-02-02
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Auto loan from Chase was paid in full after trading the vehicle in. Chase received the payoff amount on XX/XX/2023. The credit report from XXXX still shows account as open, as of XX/XX/XXXX. I filed a dispute with XXXX on or around XX/XX/XXXX. They verified with the lender who said the account is still open and not paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE PROPERTY IS IN THE XXXX XXXX OF DEEDS UNDER NO. XXXX XXXX : XXXX PG : 53, DOCUMENT ID NO. XXXX, WHICH IS REGISTERED UNDER THE NAME OF XXXX XXXX XXXX AND COVERS A REAL PROPERTY ( PARCEL OF LAND ) LOCATED AT XXXX XXXX XXXX XXXX, XXXX MA XXXX, CONTAINING AN AREA OF XXXX SQUARE FEET. THE MORTGAGE EXECUTED IN XXXX WAS DISCHARGED IN XXXX AS EVIDENCED BY NO. XXXX XXXX : XXXX PG : 356.I HAVE ALL BENEFICIAL INTEREST IN THE PROPERTY PER the Voluntary Alienation Deed, dated XX/XX/XXXX ( Agreement ), between me and XXXX XXXX XXXX XXXX AND all persons within this claim have willfully and knowingly interfere with our contractual obligations. The second Discharge of Mortgage in good faith was recorded on Book XXXX, Page 369, Document XXXX, at the XXXX XXXX of Deeds on XX/XX/XXXX. Please see attached filed copy of the Discharge of Mortgage on file with the aforementioned Registry of Deeds for reference. Rushmore Loan Management Services , LLC. acquired this loan on XX/XX/XXXX, while your company should have been aware that this loan was discharged in XXXX. Please be aware that fraud has no statute of limitations, and a careless or negligent act can result in liability for damages inflicted on others. Rushmore never had any rights in this matter where all debts are prepaid. Abusive practices have caused me and my kin unmeasurable amount of distress. Redress must be provided immediately to avoid any further distress. I never had a contract with theses perps. My personal property was taken with force and threats which caused us public humiliation and emotional pain and suffering. The CFPB must enforced our rights in accordance with the law. Please be advise ignorance of the law is no excuse nor defense. We are owed relief for the theft and unlawful usage of our personal property without compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a checking and savings account with Wells Fargo XXXX. I was repeatedly charged overdraft fees when money was available. Then in order to close my account I was charged over XXXX which was incorrect. In order to " clear my name '' I had to literally pay these fees.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
i have been verbally abused by this company security credit services and need my credit report to be updated without their account on it i never went into a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: TN
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 dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have a permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I will file a CFPB, FTC, XXXX, and Attorney General compliant..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Mercedes Benz Financial Services
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: Account status incorrect

Complaint:
I have voluntarily surrendered this vehicle to Mercedes Benz Finance back in 2017, Account was closed after that and remaining balance was written off Nevertheless, erroneously Mercedes Benz Finance shows that vehicle was repossessed, that information is WRONG and needs to be rectified. 'Car was dropped off voluntarily by me at Mercedes Benz of XXXX XXXX XXXX in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX went into contract with XXXX for home internet device. 

XX/XX/XXXX In store, XXXX XXXX, VA. I cancelled service and was advised return label for router will be mailed to me to ship box back to XXXX 

XX/XX/XXXX Still no return label. I received a service disconnect notice. Call made to XXXX. No help. 

XX/XX/XXXX Still no retun label. Called XXXX. Return label emailed. I shipped router. 

XX/XX/XXXX I see addition to my credit report. Multile contacts made to XXXX. Was advised account was never cancelled and I was continued to be billed. Rep confirmed router via shipping label and id #. He advised it will be handled. Confirmation emailed requested. 

XX/XX/XXXX A settlement offer was sent by IC System for 50 % off a {$84.00} balance from XXXX. 
XXXX made to XXXX no help. 

XX/XX/XXXX I was advised by XXXX. Unable to access my account. Due to collections.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2022-08-12
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 Fair Credit Reporting Act XXXX XXXX  ( # XXXX ) {$1200.00}, XXXX XXXX ( # XXXX ) {$550.00}, XXXX ( # XXXX ) {$320.00}, XXXX  ( # XXXX ) {$560.00}, XXXX XXXX XXXX ( # XXXX ) {$470.00}, XXXX XXXX XXXX ( # 1993 ) {$8700.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by 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 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I HAD AN OVERDRAFT IN MY ACCOUNT. I HAVE PAID THE OVERDRAFT WHICH HAS ALSO LEFT {$2300.00} IN THE ACCOUNT. CAPITAL ONE BANK IS REFUSING TO ALLOW ME ACCESS TO MY ACCOUNT AND/OR FUNDS.THEY HAVE RESTRICTED THE ACCOUNTS ALLOWING NO WITHDRAWS OR PAYMENTS AND REFUSE TO LIFT THE RESTRICTION. I HAVE SUBMITTED ALL DOCUMENTS REQUESTED IN ORDER TO VERIFY MY IDENTITY. I HAVE SPOKEN WITH SEVERAL REPRESENTATIVES, SENT SEVERAL EMAILS AND LEFT MESSAGES AS WELL. I NEED ACCESS TO MY MONEY IMMEDIATELY. I WORK FROM HOME SO I NEED TO BE SURE THAT I CAN PAY MY RENT, INTERNET AND PHONE BUT CAPITAL ONE IS REFUSING ME ACCESS TO MY MONEY WHICH MEANS I WILL FACE EVICTION AND TERMINATION FROM MY JOB. I ALSO HAVE NO WAY TO FEED MY XXXX CHILDREN AND NO ONE WILL HELP ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
!! Inquiries FRUAD!! 
WE HAVE SEND ALOT OF DOCUMENT, TO TRASUNION, AND THEY REFUSE!!! TO REMOVE OR DELETE THIS FRUAD INQUIRIS. 

THEY KEEP TALKING ABOUT ANY Inquiries IS A STATEMENT OF FACT. WISH IS NOT, TO A CUNSUMER WHO REPORT ID THEF ISSUE, CREDITOR COULD SEND OR FAX FRUAD INFORMATION DUE TO THIS IDENTITY THEF MATTER. 

WE CANT NOT GO!! BASE., ON HE SAID, I SAID. 
WE HAVE SEND EVERYTHING. 

TRASUNION CREDIT REPORTING AGENCY DONT CARE HOW THEY GET INFORMATION IT COULD EVEN BE A FRUAD ACCOUNT AND THEY WILL REPORTED. THEY JUST WANT TO GET PAY BY CREDITOR!!!

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: 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:
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. 


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 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 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i am apart of the wells fargo banking complains, they closed my account before a had a chance to pay the fees they were charging me and didn't know till now that it was wrong on their part. the fees came for not having a money in the account although i had money in it

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my ongoing concern regarding the persistent inaccuracies in the late payment accounts on my credit report. Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.

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: 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:
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. 


XXXX : # XXXX XXXX  XXXX : # XXXXXXXX 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 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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-02
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 collection account ( XXXX XXXX  ) is a fraudulent account, i dont recognize this account, I want it removed from my Equifax and XXXX reports, i have sued XXXX and won my case because XXXX has leaked all my personal information on the dark web, and my information was compromised, I have fraudulent accounts show up on my credit reports and I have been disputing these accounts constantly, I want this account deleted and blocked from my report, im tired of my name being used to open an accounts in my name, and please no fraud alert on my report thank you

Company response to consumer: Closed with explanation