BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a follow up complaint to the original complaint that was incomplete. The credit agencies are all reporting inaccurate, incomplete and false information. I have made several attempts to have corrected. I have submitted all requested documentation along with disputes to no avails. The inaccuracies are costly, costing me thousands of dollars a year in interest and lost opportunities. It is my right as a consumer to have accurate data reflected on my report. 
The Public Record item and account claims listed are deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the CDIA, DNP 3-4 " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears the reporting agencies do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that are prepared concerning me. The prompt attention to this important matter is requested in order to comply with federal law.

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 2023-06-11
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:
Please refer to attached documents for detailed information! 

This account remains inaccurate and not properly reported on my consumer report as they are in VIOLATION of my RIGHTS!!!!! 

15 U.S. Code 1681a - Definitions ; rules of construction 15 USC 1666B 15 U.S Code 1681b 15 U.S Code 1681b 1681b-A ( 2 ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX Balance : {$250.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2023-05-15
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXX XX/XX/2022 ; XXXX  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 non-monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I just received my reinvestigation back from TRANSUNION INTERMEDIATE HOLDINGS , INC . They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). 
Because the list of accounts below are not accurate. The high balance, last verified, date reported, date of last activity, date opened, closed date, and date of last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They did not modify 100 % or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.

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 2023-06-02
Company: Westlake Services, LLC
State: DC
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:
westlake fiancial svcs account XXXX XXXX XX/XX/XXXX and XXXX open XX/XX/XXXX accordance the fair credit reporting XXXX Account, XXXX, open on XXXX has violated my rights.15 U.S.C 1681 section 602 A states I have the rights to privacy.

15U.S.C 1681Section 604 A Section 2 : it also states a consumer reporting agency can not.

furnish a account without written instructions 15 U.S.C 1666B : A creditor may not treat a payment on credit account under an open-end consumer credit plan as late for any reason.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2008 I lost my home at XXXX XXXX XXXX XXXX XXXX, GA XXXX I lost it bwcause I was out of work when I finally gained employment I tried to get a loan modificatioon from Wells fargo. 

I was told over the phone and you can check their recordings. 

" That they do not give loan modifications to XXXX  people. '' I was floored to say the least and I lost my home. 

I did not know until now that I had any recourse on this and any way to hold Wells Fargo accountable for their prejudice.

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 2023-06-01
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is against Barclay 's Bank. I have their XXXX VISA card, which was transferred to another bank, XXXX XXXX, on XX/XX/2023. I sent a payment via US mail ( money order ) to XXXX 's before XX/XX/2023. They accepted the payment and cleared the money order on XX/XX/2023. 

However, now, the credit card is a XXXX VISA at XXXX XXXX. XXXX says that I have a current {$120.00} balance, even though I paid that balance in full to Barclay 's, and Barclay 's cleared the payment, even though they can not find it.

Barclay 's says there is nothing they can do unless I submit proof that the money order cleared. ( I have verbal confirmation from XXXX that it cleared on XX/XX/2023 ). To get written proof, I must file a dispute with XXXX ( the money order 's issuer ). They say it will take up to 6 weeks, and they require a {$12.00} payment for that service. 

In the meantime, I had to pay XXXX XXXX so as to not have a late payment appear on my credit report and incur a late fee. Now, I am out two payments of {$120.00}. I do not believe the transfer of the card should have been allowed if Barclay 's did not have a system in place to keep track of customers who made 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 explanation
Consumer complaint received 2023-05-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a collection notice at my work address XX/XX/23 for dept not associated with me. Tried twice to contact the company and I provided them with the notice ID from the collection notice. They would not proceed without me giving them my personal details and this is not my debt so I was not comfortable with giving them my personal details. I attempted to verify that my day of birth was # # in order to know they likely had my info and they would not proceed then needed all my details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CITIBANK, N.A.
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:
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did use misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute multiple time on 4 inquiries with XXXX, XXXX and XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from the credit bureaus stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is upsetting and made me physically ill. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE 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 explanation
Consumer complaint received 2023-08-10
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: SandP Solutions, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX BTC from my Bitcoin of America account to the fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I guaranteed a school loan for my daughter XXXX and a lawsuit was brought by National XXXX or their assignee back in XXXX. The matter was settled by a stipulation that was filed on the Court Docket. The total settlement amount was {$12000.00}. The following payments were made : XX/XX/XXXX - {$4400.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$300.00} The matter was stayed due to the pandemic and then, to my understanding the balance of the debt was forgiven. I have heard nothing further from plaintiff 's counsel, as required, in order to enforce. 

Last week, I received two telephone calls from XXXX XXXX ( XXXX ) who claims that he is acting on behalf of a third party debt collector, XXXX XXXX XXXX XXXX Today, XXXX XXXX XXXX XXXX XXXX insisting that I owe {$35000.00} and he should arrange for me to call and pay immediately - and should I fail to do so, he will immediately seize my property and XXXX XXXX property. 

I called XXXX. He demand {$35000.00}. I told him about the stipulation and court case. He claimed that no stipulation exists. I told XXXX that under the 15 USC 1692g he was under an obligation to send me a demand in writing and to afford me the right to validate the debt in writing. He claimed that neither he nor his company have any obligation to follow 15 USC 1692g or any other " silly rule ''. 

XXXX has committed the following acts of wrongdoing : a ) Misrepresentation that {$35000.00} is due when in fact, no debt exists for that amount. 
b ) Refusing to recognize the court case ( attached ), the stipulation of settlement ( attached ) and my payments ( attached ). 
c ) False and Misleading representations as prohibited under 15 USC 1692e.

d ) Violation of 15 USC 1692f for threatening to take nonjudicial action to seize my property when in fact, no legal right exists to seize my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: General Motors Financial Company, 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: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( AMERICREDIT XXXX ) company. I requested that they send me the written " Permissible Purposes '' document with my signature on it, but I receive no response or explanation. I also sent certified documents ( tracking # XXXX ) which were returned and unable to be delivered. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: SC
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
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 an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Chime Financial Inc
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute with Chime Bank XXXXXXXX XXXXXXXX XXXX for a charge by XXXX for a canceled purchase. Chime refuses to provide either a written record of the steps taken to investigate my dispute or any update for that matter. XXXX furnished an email proving that the refund was submitted but XXXX XXXX refuses to contact them to verify my complaint. Chime refuses to provide a provisional credit citing 23 F.C.R 1005.11 sub z.

Company response to consumer: Closed with explanation