BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with 4 fraudulent accounts and inquiries I did not authorize

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, respectfully receive my greetings, it is to inform and notify that I have been appealing various things from my credit report for some time that is damaging my reputation. I definitely want them to eliminate all credit searches that I did not authorize. 
On one occasion I went to help a cousin buy a vehicle and I would be the co-signer and I made my suggestion that they not inquire about my credit because car dealers are used to making multiple inquiries

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is a result of Identify Theft. This should have been removed. I have sent all documentation requested. This claim is about XXXX XXXX XXXX account number 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 2023-01-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to submit disputes with XXXX via Phone, Fax, and postal mail for a XXXX XXXX XXXX account which is being reported on my profile that is not mine. I called XXXX again on XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX. I spoke with a representative named XXXX for XXXX mins on a recorded line to resolve the ongoing issue. XXXX assured me that the account would be deleted and suppressed ( Confirmation # XXXX ) as he went over the documentation I faxed over to verify the account did not belong to me. XXXX placed the call on hold for XXXX mins then returned stating he could no longer hear me. I was able to hear him and my connection was clear. When I called back to speak to another representative the XXXX automated system suddenly was no longer able to verify me with the same information which I used to speak to the previous representative. I am also now no longer able to file disputes online for any account as my access is blocked. The fraudulent accounts and inaccurate information on my XXXX report are due solely to being the victim of their XXXX data breach. XXXX has tried to send me a settlement of {$44.00}, I would prefer if XXXX would properly update my profile. XXXX 's reporting practices go against the FCRA guidelines as the other XXXX credit bureaus do not report any of these inaccuracies. I have provided XXXX with FTC reports, Police XXXX, and valid documentation from creditors proving what they are reporting is incorrect, yet XXXX fails to update my profile. I would like all inaccurate information to be deleted and suppressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: IL
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 remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: MS
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 address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXXXXXX, has violated my rights. 
XXXXXXXX Account # XXXXXXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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 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 2023-06-21
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Self Financial is engaged in shady and unscrupulous business practices, defrauding vulnerable individuals of thousands of dollars, including me. I opened an account in 2021 and faithfully paid XXXX  each month until I reached a secured card balance of XXXX. During a questionable " review process '' my account was disabled and until I furnished all of the above, it would not be reactivated : photos of my social security card, driver 's license, debit card, paystub showing my SSN, and bank statements showing all of my transactions, not only those related to Self Financial. It is a complete violation of my privacy and absurd, considering none of these documents were required when I opened my account. I can only guess the nefarious activities behind the reasons they delay paying consumers THEIR OWN MONEY back. 

AVOID AT ALL COSTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX {$6900.00} XXXX {$4700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$520.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX {$14000.00} XXXX XXXX {$10000.00} XXXX XXXX {$840.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2021-10-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened my account on XX/XX/XXXX. XX/XX/XXXX I was alerted by a representative from Wells Fargo that my account had suspicious charges. A claim was filed. After talking to 15+ representative, one representative assured me that the {$720.00} would be refunded back to my account within 2 days. Instead, I received a notice saying my claim was denied. When i called to speak to a representative I was told that even with proof my claim would not be able to be appealed. I asked for proof from Wells Fargo regarding their decision and received nothing. This was a new account. I have yet to receive a debit card for this account!

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 2018-12-19
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
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 child was the victim of phishing fraud. My child used their debit card connected to their youth account to make purchases on a spoofed website which did not clear. The debit card information was subsequently used to open a fraudulent XXXX XXXX account through which three transaction were attempted in the amount of {$1000.00}, but only two cleared. The cleared transactions are as follows : XX/XX/2018 : {$1000.00} XX/XX/2018 : {$1000.00} I have attempted to dispute these transaction, however on XX/XX/18 Golden 1 Credit Union indicated that the claim was denied because, " you grant [ ed ] a person authority to use your card and that person exceeds the authority given,  you are fully liable for all charges even if the amount of the actual use exceeds your permission unless you have notified us prior to the unauthorized charges that used of the device is no longer permitted. '' On XX/XX/2018, when I called in to seek clarification I was told, " by providing the debit card information on the spoofed website, my child granted authority to open the XXXX XXXX account and make subsequent transactions. '' At no time were these unauthorized charges permitted. The fraudulent XXXX XXXX account nor where the subsequent charges issued therefrom. 

After reporting these facts to Golden 1, they are determined that my child was an active participate in the fraud. 

The XXXX XXXX account has been closed as had my child 's youth account. Per XXXX XXXX my child 's information was used, however the year of birth was manipulated to appear that my child was over the age of 18. 

At no time was debit card information provided to any individual with the intent to grant authorization to use the card or make any XXXX XXXX transactions. 

I believe that Golden 1 was negligent in its duty to my child and me as account holders. Golden 1 should have never authorized these transactions through my child 's youth account. The bank should have used more caution with youth accounts because of the nature and vulnerabilities of children. Multiple transactions were attempted, two of which  were successful. Additional attempt was halted only after my child discovered the fraud and took action.

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 2022-05-30
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 received a copy of my credit report from all 3 bureaus after being contacted by debt collectors I had never done business with. There was a lot of accounts and other personal info on my reports that do not belong to me and I didn't authorize. I filed a police report and an identity theft report for the 2nd time because I also filed one when my wallet was stolen with my ID and other personal info inside about 10 years ago. I also submitted disputes with all three bureaus and they have not taken what doesn't belong to me off my reports.

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 2022-05-30
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-05-30
Company: EQUIFAX, INC.
State: MD
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:
As you can see from the numerous complaints I have filed against the 3 credit bureaus. Each time they attempt to make changes to my credit report it continues to make my report WORSE! 

I feel like I am being stalked. If I apply for credit it instantly and I do mean instantly hits my credit report and it makes my score go down. When I pay the credit down or off, it makes my credit score go down and it takes at least 30 days to see the impact. 

I take exception to creditors determing when and whom I apply for credit with. No one, except me knows my goals or objectives. Just some unintelligent folks trying to determine them for ME? If the credit system would have analyst that could really analyze we might make some progress. 

I still have not obtained my first goal - REFINANCE MY EXISTING XXXX XXXX XXXX Mortgage. Thanks to the 3 Unfair Credit Bureaus providing inaccurate information, I did not QUALIFY. ( NOT TRUE ) Had the credit information been correctly reported, I would have my refinance and have {$1900.00} more in my account monthly and be paying {$1900.00} less per month for a MORTGAGE PAYMENT. 

Being that I am Retiring and planned on my Retirement Car Purchase after the Refinance I now have to get the vehicle having to qualify with a different SCENARIO! 
What's Fair about that? 

NOT FAIR NOT FAIR! So much for the Fair Credit Reporting Act! 

I Demand that EVERY creditor I applied for Credit With be sent my corrected CREDIT REPORT and that I be CC 'd with the Scores and an explanation from them as to why I did not but would have Qualified given the correct informationl. 

I am going to say it again -- - The Credit Reporting System needs a Total Revitalization to be Viable in the changing financial environment! 

I am document the nonsense that has occurred since I starting investigating my credit report. In addition, due to the incorrect information the bureaus reported, creditors unfairly reduced my credit lines without justification. What's fair about that? 

I just want to live my life without feeling like I am being XXXX! That's how it feels. 

I wonder how many consumers there are that can not be as persistent at me. 

Do they ever answer the consumer 's questions. Resilient Score- Really. 

My Credit Report should REFLECT : Good Credit Risk Pays On Time Pays Most Long term bills Ahead of Maturity Dates Had financial challenges Overcame them Resilient Networth Vastly Exceeds Debts NEXT?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts ; XXXX XXXX Balance : {$5800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXXXXXX Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked 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 commissions 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 non-monetary relief