BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$210.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$470.00}

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint TransUnion responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.

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 2019-09-02
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i am a single father of XXXX. i tried to purchase a home and was denied because of credit. when i seen my own credit there were several accounts that was not authorized 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 2023-08-02
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-01-25
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

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 2016-05-10
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I assert that I am the owner of all data in this complaint, and then the owner of all information contained in this complaiant. 

There is no Credit Repair company, or entity involved in this complaint. Attempting to avoid responding to this issue outside of this government instrument, deviates from my rights to this process. 

Equifax is allowing Debt Collection companies, to insert themselves into Consumer Reports as if they are the Original Creditor. 

These tradelines are routinely inserted into reports as " Other '' accounts/tradelines, when they know that this can never be true. 

I have such a insertion, and so do hundreds of thousands of consumers with XXXX funding collection accounts. This issue has been brought to the attention of XXXX and Equifax - and been dismissed. 

A screen shot of the account is attached. 

1. According to the XXXX XXXX File specs for use ONLY by debt collectors - Debt collectors self identify themselves in their files to EQ - and XXXX XXXX did not. 
2. XXXX XXXX has an " OPEN '' type of tradeline, when they can not 3. The Date Opened is NOT ACCURATE, as NO TRADELINE was ever opened with them 4. As a DEBT COLLECTOR an ORIGINAL CREDITOR is required, and DOES NOT EXISTS 5. The DATE OF FIRST DELINQUENCY, then is also NOT correct because no CREDIT GRANTOR account was ever established with thm, nor - is there any contract 6. The CREDITOR CLASSIFICATION, is not valid or even possible because XXXX can not be a credit grantor 7. The DATE OF FIRST DELINQUENCY - can not be true, because the accounts ' DATE Opened is XXXX/XXXX/2012 8. The ACCOUNTS PAY STATUS, is invalid - the value displayed is for CREDIT GRANTORS ONLY 9. The ACCOUNT BALANCE, AMOUNT PAST DUE and LAST ACTIVITY DATE are all invalid 10.The ACTIVITY DESIGNATOR - is innacurate, according to METRO XXXX 11. The Months reviewed, is NOT a field allowed to be used by a DEBT COLLECTOR on any file sent to a CRA 12. A COLLECTION ACCOUNT, is also not allowed to have a pay history This account is wholly inaccurate, invalid and borders on fraud. 

Additionally, I believe this account is invalid because any original creditor that I had a balance with years ago, was included in my bankruptcy. 

Please validate this tradeline, its owners details - for your systems accuracy - and then DELETE this erroneous, incomplete and inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: WESTERN UNION COMPANY, THE
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a victim of identity theft. Someone opened a fraudulent account with Western Union using my name and identity. I have never applied for or had any account with Western Union. I am not able to open an account with Western Union because of fraudulent accounts with Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I had moved from XXXX  to XXXX  during covid for work because i had lost my job in XXXX. I called the title max store in XXXX  every chance I got to tell them everything that was happening. I got behind a few payments because of my job loss, moving and covid. It didn't help that my loan didnt go down any due to the high interest rates. I was very transparent with the title max store in XXXX XXXX  while I was living and working in XXXX. Apparently I was too transparent because after a few hours of being off the phone from the XXXX XXXX  title max store, my car was repossessed that night. My sons car seat was in that car, he couldn't travel anywhere being XXXX  years old without his car seat. I gave almost all the money I had to try and pay my loan and after they took my car I had nothing left. This was during a time people were understanding about covid and job loss. They took my car 2hours away to XXXX XXXX  to sell at a auto auction. I was able to get another loan from a family member to buy my car back. The manger acted like he was being helpful and acted like a friend. They even make sure everyone does a 5 star review on XXXX before leaving with your title loan athe the XXXX XXXX  location. I updated my review to show how poorly he treated customers in a time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i am a single father of XXXX. i tried to purchase a home and was denied because of credit. when i seen my own credit there were several accounts that was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Received a promotional offer for 4 % interest rate on purchases made within the period, in XXXX, from Barclays. I called the company to verify my understanding of the offer ( that it applied to purchases made within the period, meaning that the interest rate would remain 4 % for the balance incurred within that period even after the promotion had ended ) and when they verified that was correct, I increased my credit limit and made a large purchase using the card. That has been the only charge on that card since then. 

I made regular payments and saw interest charges of ~ {$30.00} each month. On XX/XX/XXXX I received an email warning that the scheduled payment was lower than the minimum, even though I had changed nothing. Looking into it, I realized my interest charge had jumped from ~ {$30.00} to ~ {$190.00}. 

I called Barclays and they explained that my promotional period was over. When I explained that I had been explicitly told by a Barclay representative before making the large purchase that the promotion would apply to purchases made within the period instead of to balances within the period, the {$190.00} interest charge was comp 'd and I was told an investigation would be opened to review the account. 

On XX/XX/XXXX I called again to ask about the status of that investigation. The first representative repeatedly gave me incorrect and conflicting information, telling me that the investigation was ongoing, concluded, and never occurred at different points in the conversation. When I instructed her to close my account because I don't do business with companies that lie so blatantly, I was transferred to another representative who was falsely informed by the first representative that I wished to close the account because I don't use it. 

That second representative stated again that no investigation had ever been opened even though the {$190.00} interest charge had been comp 'd as promised during the initial call in XXXX. 

tl ; dr I paid ~ XXXX XXXX today to close an account with Barclays because they apparently will say anything they need to to get their customers to use their card or to stop complaining, no matter how false

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 2017-12-18
Company: Experian Information Solutions Inc.
State: GA
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:
1 ) My XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be.

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all 3 bureaus.

3 ) My XXXX XXXX Credit Card does not show up on my XXXX report but shows on XXXX & Experian.

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 2023-10-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax. 

You have my current address and documents of where I physically live you also mail my credit report but you still have BLNK ERROR on your website where I can not see my updated score or give a credit report to lenders example my annual credit report to download I've been going through this frustration for 2 months I don't know what the problem is I also send physical documents about a day ago even though you have the documents uploaded I want my credit report what is the best solution because I am very impatient it shouldn't take this long to get what I need that I rightfully deserve to have I got things to do so I could be financially ready. But you guys like to take your time and time is of the essence it's hard to get my business done in a timely manner waiting on your service, I've been having this error code on your website since XX/XX/XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent off a letter on XX/XX/XXXX, XXXX to remove personal information that I didn't authorize on my credit report. According to the fair credit reporting act 12USC 1681. I have the right to privacy also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people. 

these are clear violations of my federally protected consumer rights.

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 2023-08-02
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2019-12-08
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX ... this account is a charge off and was disputed as being reporting as unverified and inaccurate but on all occasions the company and the credit bureaus have not done anything except to respond saying the account is verified. how can a chargeoff be continuously reporting late payments when its a closed account meaning no new information should be reporting. plus they have a monthly payment and past due reporting on a so called chargeoff account. that is a violation

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
By the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. They never got my written consent to furnish my information.

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 2023-05-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A check in the amount of {$17000.00} was deposited on XX/XX/2023. The check is drawn from XXXXXXXX XXXX XXXX. The deposit receipt indicated that {$16000.00} will be available on XX/XX/2023. 

However, on Monday, XX/XX/2023, I received an email from Wells Fargo indicating that the account in which the above mentioned check was deposited has gone into overdraft. 

Wells Fargo never informed me of the deposit being withheld until I called to find out why my account went into overdraft. 

I called Wells Fargo and was told that the deposit is on hold until XX/XX/2023. The reason I was given is that the payee 's bank is withholding payment due to suspicious activity on the payee 's account. 

I contacted the payee ( my customer ) to let her know of what Wells Fargo said and that she should contact her bank XXXX XXXX XXXX XXXX ) to check on the supposed " suspicious activity ''. The payee ; my customer, did call her bank and was informed that no such suspicious activities was detected and furthermore informed her that the check in question has been paid and cleared their system. 

I must point out that I've been doing business with the payee for over 10 years and the checks have always been from the same XXXX XXXX XXXXXXXX account. Furthermore, I deposit XXXX to XXXX checks per year from the same payee and from the same XXXX XXXX  XXXX account. 

Wells Fargo has been given the funds by XXXX XXXX XXXXXXXX but chooses to withhold it for no good reason. 

The suspicious activities are those of Wells Fargo and not the payee 's account or bank. 

I'd appreciate your serious attention to this matter as I'm certain I'm not the only Wells Fargo customer who has been subjected to this kind of Suspicious Activities by a financial institution known for its unethical behavior. 

Respectfully, 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 2022-04-05
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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