BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

Unfortunately, my personal identifiable information was compromised and used to open 2 fraudulent credit card accounts. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report to have these 2 accounts removed from my credit file by this Creditor. 

There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXX XXXX XXXX, MD XXXX and XXXX XXXX XXXX XXXX, MD ) These accounts need to be removed immediately.

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 2024-01-11
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:
They was reporting incorrect and un validated debt late payments, close the accounts, miscellaneous numbers, miscellaneous address, Without my authorization, making my opportunities, slim to none getting credit cards home loans or etc. 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805

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 2023-11-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX whose collection agency is XXXX XXXX is reporting a collection amount of {$0.00} in which was paid in full. This collection agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed immediately from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: In progress
Consumer complaint received 2023-05-06
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had called Wells Fargo to stop payment on one XXXX  purchase ( paid using my XXXX XXXX card ). I was suspicious that it was fraudulent and was waiting for a call back from XXXX to investigate and issue a new card if necessary. 
Wells Fargo decided it would be appropriate to stop payment on ALL XXXX  purchases even though that is not what I had asked. About a month later I received a call from XXXX letting me know I had a balance with them. I immediately called Wells Fargo to see what the issue was and thats when they told me that no payments to XXXX were being approved from my account. After reversing this, I paid the balance with XXXX and immediately began the process of closing my accounts with Wells Fargo. Id been a customer of theirs since 2007 and had a checking, savings and student loans through them.

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 2024-01-11
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:
XXXX XXXX XXXX  I have recently become aware of a significant legal development regarding child support, which directly impacts the validity of the aforementioned cases. According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated.

I kindly request that you carefully review the implications of this ruling and take appropriate action to vacate the listed cases, including any previously ordered child support and related arrears. It is crucial to align our legal system with the principles established by the Supreme Court and ensure justice for all affected parties.

The Equal Protection Clause of the Fourteenth Amendment to the United States Constitution reads : " No State shall ... deny to any person within its jurisdiction the equal protection of the laws. '' I believe that my child support order, as it currently stands, unfairly discriminates against me and infringes upon my constitutional rights. I respectfully request that the Department of Revenue, State of Florida, re-evaluate my child support order, taking into consideration the following reasons for termination : Equal Protection : The current child support order places an unfair burden on me and does not provide for equal protection under the law, as mandated by the Equal Protection Clause of the Fourteenth Amendment. 

Best Interests of the Child : I believe that terminating the child support order is in the best interests of the child, as my ability to provide emotional and financial support has been severely hindered. 

Please keep me informed about the progress of this request and provide any updates or additional instructions as necessary within 10 days of this notice. I appreciate your attention to this matter and your commitment to upholding fairness and justice within our legal system. 
Thank you for your time and prompt attention to this important request. Please do not hesitate to contact me in writing at the above address.

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 was looking at my report and notice there were some things that was not correct, I sent a letter to XXXX on XX/XX/2023. But it has been more than 35 days since the credit bureau has responded. Thats a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject of subsection ( f ) and except as provided in subsection ( g ), if the completeness and accuracy of any item of information contained XXXX  consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2018-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2018 I went to the XXXX XXXX XXXX for service ( carwash ). The transaction amount was for {$26.00} XXXX {$21.00} for the wash and a {$5.00} tip ). I attempted to use my Bank of America debit card. The attendant took several swipes with my card before handing it back and telling me that it was rejected. I then provided my Bank of America Visa card and completed the transaction. A few minutes later, my wife called to tell me that our checking account had a pending post for {$20000.00} to the car wash. She immediately contacted B of A to dispute the transaction. B of A removed the transaction. On XX/XX/2018, the {$20000.00} was withdrawn from our account rendering a negative balance. We again contacted Bank of America and established a case file objecting to the transaction. We after doing so, I visited a local branch and spoke to the branch manager who informed me that there was nothing that could be done. In fact, it could take up to 90 days to resolve the problem! While with the bank manager we contacted the merchant and he was adamant that the transaction had not taken place and therefore didn't need to do anything. I informed the merchant that my next stop would be to the police department. As I pulled up to the PD, the merchant called to tell me that he was incorrect and that he did have my money. In a 3-way phone call with his processor, it was agreed that the merchant would issue a reverse charge to my debit card. The processor has provided their evidence that the reverse charge was made on XX/XX/2018. As of this correspondence ( XX/XX/2018 ), we have not seen a posting to our account and B of A is not willing to provide any relief. This was not my mistake, yet the bank policy seems to lend to taking care of itself versus taking care of its customer. Because the bank allowed the transaction to go through, we are significantly negatively impacted and now have no way to meet our financial obligations. I've received nothing but canned responses on each of my calls and the obligatory " Have a nice day ''! While I've received many comments from B of A employees that they've never seen a $ XXXX car wash, I've gotten no help from them whatsoever. Between the merchant and the bank, we are now in financial difficulty.

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 2023-11-14
Company: Experian Information Solutions 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I hope this message finds you well. I am writing to bring to your attention a matter of concern regarding the reporting practices of XXXX to third-party credit bureaus. Upon reviewing my credit reports, I have identified discrepancies in the information provided by XXXX across different bureaus, particularly on XXXX, XXXX, and TransUnion. 
On my XXXX report, there is an indication of a past due amount of {$4600.00}, whereas both XXXX and TransUnion reflect that the account in question has been paid off, with no outstanding balance. Such inconsistencies raise serious concerns about the accuracy and Furthermore, I would like to bring to your attention the fact that the debt associated with this account has been transferred to a third-party debt collector. As a result, it has been charged off and is now considered a certificate of indebtedness, constituting income. According to applicable regulations, such discharged debt should not be reported, as it may lead to inaccurate representations of my financial standing.

In conclusion per the FCRA as a federally protected consumer I am now opting out of any and all authorization I consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802.

16 CFR 313 OPT OUT

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 2023-11-27
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-03
Company: Experian Information Solutions 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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX PL XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GAXXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$7500.00} ; ( Original Creditor : XXXX XXXX AP ) XXXX XXXX XXXX {$2600.00} ; 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 explanation
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate 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 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 explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Many accounts that have been legally canceled are still on my report. Collection agencies did not receive my authorization to add them selves to my report. Many address are wrong and need to be removed. Phone numbers are wrong and need to be removed. All closed accounts need to be 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 non-monetary relief
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: NC
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 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 explanation
Consumer complaint received 2024-01-11
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:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/ welcome to XXXX  letter received. Federal loans will be transferred to XXXX in 30-45 days XX/XX/XXXX. XXXX  congratulations, list of all federal loans transferred and taken out of default, transferred to XXXX and placed back into good standing. 

XXXXXXXX XXXX XXXX. Welcome! List of federal loans and a disclaimer. Credit Report Infomation : We will not be reporting some or all of your loans to the credit bureaus, even if you eventually fall behind on your loans. Your loans had been in default for so long the Department of Education deleted the tradelines from your credit file and under XXXX XXXX we will not be reporting these loans unless you consolidate the loans. 


XX/XX/. Notice of XXXX  Discharge. Shortly there after, XXXX added XXXX derogatory marks to my credit reports, causing a catastrophic mess. 
No apologies. Basically, it is a means by which they can punish the XXXX person asking for relief. 

CFPB XXXX XXXX XXXX  have all been severely 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 non-monetary relief
Consumer complaint received 2023-08-28
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 belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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