BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Re : Bankruptcy Ref. No. XXXX Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, is immediately and completely REMOVED from my file. To whom this may concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. In XX/XX/2020 and months preceding from XX/XX/2020 onward I received a response from Transunion stating that the following account could not be verified nor validated, and it was immediately removed from my credit file : s Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. I have sent several letters to Transunion, which have been repeatedly denied for removal this public information from my credit file. I have contacted both the U.S. Bankruptcy Court of Texas and the PACER system and they have both confirmed that they do not and will not verify such personal information. Per FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. Please be advised that a copy of this letter has also been sent out certified mail and to the U.S. Bankruptcy Court of ( Texas ). 

Regards, 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 2018-05-12
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried time and time again to convince XXXX and this XXXX XXXX that this debt was not created by me. I have never had XXXX and for them to sit there and tell me that I have is wrong. 

I have tried and tried to negogiate with these people and they refuse to corporate with me, I have never had XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2022-04-04
Company: Experian Information Solutions Inc.
State: TX
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. NO inquries were authorized by my siguture or verbal consent ; 2. Repositories have neglected to show proof of signature on either the inquiries/loan applications, which has been requested ; 3. Repositories failed to demand proof of my signaure on inquiries/applications within the allocsted 45 days ; 4. Repositiories accepted written explanation of inquiries/application without any backup to show proof even though I challened on several occassions ;

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 2020-08-26
Company: Experian Information Solutions Inc.
State: NY
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help U S DEPT OF ED/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 2023-07-25
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:
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 items ( 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 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 2023-02-07
Company: Experian Information Solutions Inc.
State: VA
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:
To Whom It May Concern. 

I wish to file a complaint against XXXX XXXX XXXX XXXX for reporting false information on my credit reports. They state that I owe a debt to the Creditor ( XXXX XXXX XXXX XXXX XXXX 
I have sent them a validation letter for the to prove that. 
1. I am the rightful owner of this debt by sending me the Original Contract with my original signature, the name, address and telephone number of the Creditor, the full payment history of this account with all the payments made, and proof that they are authorized by the Creditor to collect this debt. 
All I received from XXXX XXXX XXXX is photocopies. All they did is tried to falsify the paperwork. 

Furthermore, I contacted the XXXX XXXX XXXX XXXX XXXX  to find out if XXXX XXXX XXXX is working with them, and I was informed that this debt collection agency is not working with the 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 explanation
Consumer complaint received 2020-08-17
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:
Hello and Happy Monday. I thank you for having a look at my dispute. Its going on the 3rd month that I have been trying to get these companies to validate debt as in mine. I have not received any correspondence to the companies about this matter other than a request for my id and social from XXXX and transunion

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 2018-05-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX my Vehicle was repossessed by 5/3 Bank, for what they are claiming was missing payments. I was not contacted in any manner regarding late payments or that my loan was in default. I have gave express consent to contact me via Cellphone and Email as you will find my attached documentation. The consent was given in XX/XX/XXXX for Paperless statements, for which I have not received a single one ( still to this day can not view on XXXX ). I gave consent for my mobile phone on XX/XX/XXXX which I have attached photo evidence from the XXXX XXXX XXXX on 53.com. I have been in contact with XXXX XXXX, constantly, since the incident took place. I have left countless voice mails over the past months, some were given response, the most recent have been ignored. I have provided to their agency documentation proving that my bank account had sufficient funds, that attempts were made to make those payments, that previous consent had been given for contact. My online payments were made but never received, hence the default result due to technical difficulties that 5/3 Bank have admitted to experiencing in and around those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$1600.00} ; XXXX XXXX Balance Owed : {$0.00} ; CHILDSUPPORTXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00}.

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 2023-08-10
Company: EQUIFAX, 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:
In accordance with the Fair credit reporting act this creditor has violated my rights. Under 50USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under and open a consumer credit plan as late for any purpose. Under 15C USC 1692G section 809 B creditor failed to validate a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: PA
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Request investigation into why Nordstrom is not waiving late fees due to hardship on account of covid 19.  The company is also not removing the charge off on the credit score. I have paid two installments of {$120.00} and {$130.00} with considerable difficulty of which only {$160.00} is the amount for purchases made in 2018. The company had the wrong address - they had XXXX XXXXXXXX XXXX on their files instead of XXXX XXXXXXXX XXXX. Any mail never reached the address. The company never called to initiate a payment plan. 

Secondly, a credit card application was never processed and I have not received any mail again from the company as to its status. 



Due to Covid, my financial situation is extremely precarious and the interest that has been added on account of an error on part of the company can not be allowed during covid when even banks have been given regulatory orders to remove payments that increase burdens on consumers. I would also like my card application to be processed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am working with a XXXX XXXX XXXX ( XXXX XXXX ) and they worked with XXXX  to settle the account on my behalf. In return, XXXX negotiated the outstanding balance with XXXX XXXX and agreed to terms which they included on their letterhead. The agreement was that I would pay {$260.00} and that would settle my account. Since then, XXXX has continued to negatively report the balance on my credit, stating that I still owe a past due amount. There is no indication that the balance was settled as agreed, instead they report that they charged off the account and I still owe a past due balance as of XX/XX/2020. I've disputed this reporting with all 3 bureaus multiple times and each time, they come back and state that XXXX stated that the credit reporting is accurate and will remain unchanged. I just want my report to accurately reflect that I've settled the debt and do not owe it. I've sent the settlement letters and proof of payment to XXXX to all 3 credit bureaus and they still continue to report that the tradeline will remain unchanged. I've worked hard to resolve this debt with them and they refuse to accurately update my credit report. XXXX  is the most recent bureau to deny yet another dispute of this information even though they have the supporting documents to show that the balance was paid/settled as agreed.

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 2023-07-19
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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: Account status incorrect

Complaint:
I consolidated my student loans back in 2017. Prior to consolidation I had a forbearance and no payments were due yet. After consolidating my loans with XXXX they reported XXXX or XXXX separate loans in addition to my large consolidated loan. They also reported XXXX to XXXX late payments on each XXXX of the smaller loans for the months of XXXX and XX/XX/2017. This information is not accurate by any means and has held my credit score down significantly for the past XXXX years. I have been denied for a mortgage to buy a home and have been paying a ridiculously high interest rate on my car payment as well, all due to the falsely reported XXXX late payments of 120 day past due. Upon disputing this with the credit bureaus they closed all of the small loans that were consolidated, however they did not correct the inaccurate late payments. My payment amount each month is {$0.00} due to the income driven payment plan, therefore there is XXXX percent chance my payments were late. After they closed these small consolidated loans they then duplicated my large consolidated loan which is roughly $ XXXX, which is now on my credit report twice along with an additional loan amount of roughly $ XXXX which is part of what has already been consolidated. I should only have XXXX consolidated loan in the amount of roughly $ XXXX and all late payments, all XXXX late payments need to be removed. I have never had a payment amount other than {$0.00}. This is my last attempt at correcting this issue before I seek legal proceedings. These errors have cost me thousands of dollars already and have held me back from pur heading a home for my children as a single mother. Please fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; UXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX ( XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4200.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX Balance : {$4200.00} ; XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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 consolidated my student loans back in 2017. Prior to consolidation I had a forbearance and no payments were due yet. After consolidating my loans with XXXX they reported 8 or 9 separate loans in addition to my large consolidated loan. They also reported 2 to 4 late payments on each one of the smaller loans for the months of XXXX and XX/XX/2017. This information is not accurate by any means and has held my credit score down significantly for the past 6 years. I have been denied for a mortgage to buy a home and have been paying a ridiculously high interest rate on my car payment as well, all due to the falsely reported 17 late payments of 120 day past due. Upon disputing this with the credit bureaus they closed all of the small loans that were consolidated, however they did not correct the inaccurate late payments. My payment amount each month is {$0.00} due to the income driven payment plan, therefore there is zero percent chance my payments were late. After they closed these small consolidated loans they then duplicated my large consolidated loan which is roughly $ 38k, which is now on my credit report twice along with an additional loan amount of roughly $ 16k which is part of what has already been consolidated. I should only have 1 consolidated loan in the amount of roughly $ 38k and all late payments, all 17+ late payments need to be removed. I have never had a payment amount other than {$0.00}. This is my last attempt at correcting this issue before I seek legal proceedings. These errors have cost me thousands of dollars already and have held me back from pur heading a home for my children as a single mother. Please fix this!

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 2021-11-08
Company: WELLS FARGO & COMPANY
State: AZ
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:
I am an XXXX  with an XXXX account with Wells Fargo. I recently discovered that someone has been paying their phone bill with XXXX from that trust account. They are not authorized to do that. I am the only authorized signer on that account. I contacted Wells Fargo and I assume the money will be put back in my account. That is NOT why I'm contacting you. I asked Wells Fargo to set up my account so no further electronic withdrawals or transfers can be made from that account. They refused to do so, claiming that it couldn't be done. That is not true because XXXX XXXX  has that option on XXXX accounts. So it's not that Wells Fargo can't do it, it's that they won't do it. 
The purpose of this complaint is to get the CFPB to force Wells Fargo to allow customers with XXXX  accounts to lock out any electronic transfers/payments.

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