BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 account is in violation of 15 USC 1681 Improper use of Personal information I have never signed a one month term with is company nor have I given any one written consent to use any of my personal information to this company they are also in violation of 15 usc 1681 for failure to report complete and accurate information to XXXX XXXX and TransUnion Inconsistent incomplete and inaccurate errors are as following XXXX reports 1 month term collec tion account with a past due balance with payment history being in XX/XX/XXXX if account was open XX/XX/XXXX why is there no payment history which is in violation of 15 usc 1681 I have asked for the con tract I was supposedly signed in XX/XX/XXXX XXXX does not have the account on their file at all TransUnion reports account open no past due no term no payment no past due balance XXXX TransUnion and XXXX all updated account status in XX/XX/XXXX This creditor is obligated by law to re port accurate and complete information as this creditor has failed to do so and I dont believe a proper investigation was completed and has past the 30 days I am demanding this account to now be deleted AS SOON AS POSSIBLE. 
I am Also filing a complaint with CPFB As you all have failed to complete a proper investigation and I am seeking damages as I am by law entitled to up to 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 2023-04-10
Company: EQUIFAX, 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:
On XX/XX/XXXX I mailed the attached letter to EQUIFAX. I have since called and spoke to 2 different people explaining to them that the 3 fraudulent accounts were all part of the data breach with EQUIFAX years ago. I read Section 605b of the Fair Credit Reporting Act to each representative and I explained that Congress passed this law to protect consumers like me from exactly what is happening to me. My identity has been stolen and several credit cards are fraudulently on my credit report and the consumer reporting agency has only 4 business days to delete the fraudulent information or account. Both representatives stated it was their internal rule that they had 30 days to finish the investigation and determine if they wanted to delete the fraudulent information. I once again explained that their internal rule at a consumer reporting agency can not supersede the law stated in Title 15 USC XXXX ( Fair Credit Reporting Act ) which was passed by congress originally in XXXX. I have attached many supporting documents such as my police report, FTC report, letter from the Attorney General of Florida as well as proof my identity was stolen in the data breach from EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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 third complaint reporting this, I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, for XXXX and I am very concern about the privacy of my information my information has been compromised and it is all over in the dark web, accounts had been open in my name.You have previously removed a XXXX XXXX XXXX account, according with Section 609 a 1 A, you had to provide me with physical proof and original documentation in order to list this account in my credit as well as written notification prior to relist it, which I never got. 
Please remove this account from my credit file. 
I am requesting these information to be block from my credit report a in accordance with the FCRA.

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 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have asked TransUnion Numerous times to send me a signed copy of everything XXXX say 's I purchased on a account they have yet to provide me with this information. I need these copy 's because I did not make these charges. XXXX  has deleted this account from my credit reports because they could not provide this information. Transunion needs to provide me with the information or this account needs to be deleted from my credit report. I never opened a XXXX account nor received any items from 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 2023-10-28
Company: Experian Information Solutions Inc.
State: GA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 U.S.C 1681 XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states that 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. 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 2023-08-24
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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-01-27
Company: WELLS FARGO & COMPANY
State: TX
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:
I still was wrongfully charged from a XXXX XXXX XXXX and my account was overdraft and negative and I had to close 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 2021-06-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In accurate information being reported across all XXXX  bureaus. charge offs Ive been reported by law 15 USC 16 EB charge-offs any inaccurate information must be taken off. 

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 2021-11-22
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: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint myself to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. DELETE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( Original creditor : XXXX, XXXX XXXX, Original creditor:XXXX, Original creditor : XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor : XXXX, Original creditor:XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Lifting a credit freeze with Equifax We placed credit freezes with XXXX, XXXX and Equifax years back. We now need to lift those credit freezes to apply for a mortgage. Lifting of freezes must happen withing 1h if requested online or by phone, and within 3 business days after receiving a request by mail. XXXX and XXXX lifted the freezes within hours. Equifax has still not lifted the freeze after 21 days of us trying to lift the freeze ( online, by phone, via fax and via mail ). 

The details are : XX/XX/XXXX : worked through myequifax.com to lift the freeze, errors out at the end requesting a phone call XX/XX/XXXX : Called Equifax, Agent claims they have no credit report / info on me and I should contact my bank to transfer information. While on the phone, I requested 1 out of my 6 free credit reports only at myequifax.com which lists all the info meaning their claim that they don't have anything on file for me is wrong. Agent informed me that I'll have to fax a copy of my driver 's license ( DL ) and social security card ( SSN ). Sent fax to specified fax number. 

XX/XX/XXXX : Sent letter # 1 via regular mail with copy of DL and SSN ( since no answer to fax ) XX/XX/XXXX : Received letter from equifax claiming they are unable to locate my record stating they need my DL and SSN ( which I already sent per fax ) and all former addresses XX/XX/XXXX : letter # 1 delivered per XXXX tracking, equifax had to sign for it XX/XX/XXXX : phone call, equifax asked me to take a picture of DL front and back live using a weblink and a selfie. Agent confirmed live that DL looks good and Agent can confirm by selfie and DL my identity. They confirmed my identity but still can't lift the freeze ( unknown reason ) and asked to send DL and SSN which I had already faxed and sent by mail. I asked Agent what to do next since I know the PIN for freeze ( they claim they don't use the PIN anymore, so useless ), I've confirmed my identiy via live scan of DL and selfie, I can access all my data including the credit report online, I've faxed and mailed copies of DL and SSN already. No clear answer, neither from Manager who I escalated it to, on what to do next, apart from them claming they have received no info and I need to send copies of DL and SSN. 

XX/XX/XXXX : sent letter # 2 and letter # 3 including all former addresses to XXXX XXXX XXXX XXXX because instructions on XX/XX/XXXX including two different XXXX XXXX XXXX. 

XX/XX/XXXX : today ( still frozen per myequifax.com )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have submitted my mortgage payment for XX/XX/2020 twice to the mortgage lender, Carrington Mortgage LLC for VA XXXX XXXX, and twice, the lender rejected the payment. The second payment was a teller check sent via XXXX, tracking XXXX. XXXX. Carrington rejected the payment and sent it back via regular mail without any form of tracking on XXXX XX/XX/2020 to XXXX. As of today, XXXX has confirmed that they have not received the returned check. XXXX can not cancel the check until after 90 days from date of issuance. Carrington now has notified me of an intent to foreclose my property despite my attempts to pay my mortgage. They are demanding a payment that I have already made twice and can not issue another check since the returned check is not in the possession of XXXX or myself. I spoke to the VA and was advised to file a payment complain here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
my card number was used on some online website and due to those charges my payments to the card wasnt made because I was not aware of the charges and Bank of America reported payments as late to my credit reports and it is hurting my credit score. 
They have zero liability for unauthorized charges yet I had to pay the full balance to close the account as they were not helping me resolve the problem with the charges that was not made by me The transactions was made in 2021 but I dont have my statements nor access to them online so I dont know exact amount nor date

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 2023-07-06
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XX/XX/, I made a bank transfer from my XXXX XXXX XXXX account, XXXX XXXX XXXX, Routing Number XXXX, for the amount of {$200.00} and another transfer for {$250.00} on XXXXXXXX XXXX XXXX from the same bank. Both transfers were to my Chime account from XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX, Routing Number XXXX. 

As of todayXXXX XXXX XXXX XXXX, Both Chime and The XXXXXXXX XXXX  claim they have not received the transfers, but XXXX XXXX XXXX  claims they have. My XXXX account has had the money deducted from my account. The first transfer was on XXXX XXXX XXXX ( verification code : XXXX ) and the second transfer was on XXXX XXXX XXXX ( verification code : XXXX ). 

I called the XXXX XXXX XXXX XXXX department this morning and they claimed that both transfers were completed successfully and that they would not refund the money. I then called Chime customer service and they claimed that neither transfer was showing in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX has a different payment date on the credit bureaus and also is not reporting the correct payment history. Experian, XXXX and XXXX is showing different history on XX/XX/2022.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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 2022-10-31
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/22 I did a routine check of my credit, and there was a collection added to my file. I contacted the Credit Agencies and disputed, I filed a complaint with the Federal Trade Commission and now I'm following up with The Consumer Finanical Protection Bureau.

This company never tried to verify that the debt was mine. There is incomplete information to verify the account. They haven't shown me a document with my signature proving that this debt is mine. They haven't verified that they are licensed to collect debt in the state of IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: MD
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 Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : DEPARTMENT OF LABOR XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXXXXXX XXXX XXXX XXXXXXXX Account is reporting and I have no knowledge of the account. 

Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnishes.

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