BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-12-04
Company: EQUIFAX, INC.
State: AL
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:
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. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We attempted to do loan modifications with Wells Fargo they delayed every step of the progress and were unwilling to assist us with a loan modification so we seeked outside help from attorneys in Florida only to find out that that company was a scam so we threatened to notify Illinois attorney general and received a refund from the company in Florida and as a result more time passed and we wound up losing our home due to unwillingness of Wells Fargo to help us

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
An accordance with the Fair Credit Report act XXXX  Account # ( cant find ) has Violated of my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 ; it also states a counsumer 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 2023-06-02
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 fraud alerts or security freezes

Complaint:
I am writing to bring a particular issue to your attention that I have been facing with the Credit Bureaus. I am an XXXX  individual and have been having a hard time getting a fraud alert removed from my account. 

The issue began on sometime last year. I noticed the fraud alert on my account. Since then, I have been attempting to get the fraud alert removed. 

In XXXX of this year, I contacted the customer service department of my financial institution and explained the situation. I was told that the alert would be removed within ASAP, however, the alert still remains. I have made several subsequent attempts to resolve this issue with the company, reaching out via phone and mail, but to no avail. 

I would like to mention that under the Fair Credit Reporting Act ( FCRA ), I am entitled to have complete and accurate information in my credit report. Moreover, the Fair and Accurate Credit Transactions Act ( FACTA ) allows me to place and remove fraud alerts, which I have found to be a difficult process with my current financial institution. 

The continued presence of this fraud alert has caused me significant inconvenience and has limited my ability to manage my finances effectively. It has also caused undue stress and XXXX, as I am unsure about the status and security of my account. 

I am hoping the CFPB can assist me in resolving this issue by working with the credit bureau to remove the fraud alert from my account. Your assistance in this matter would be greatly appreciated.

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 2022-05-19
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I called and made my automatic payment for my target Mastercard the system stated my total balance was XXXX which is what I paid in full. Well days later on XX/XX/XXXX I received a email with another balance of XXXX. So I called because I thought I was paying my credit card off in full. I called customer service with my concerns and the representative stated they are aware the misconception and they are trying to fix it. Completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
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:
Experian and XXXX are reporting a duplicate trade line for the balance of {$780.00} on the XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) This duplicate entry is harming my credit score and is a violation of the Fair Credit Report Act. Please delete this trade line item from 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 2022-05-19
Company: Experian Information Solutions 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 need to report XXXX XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late on XX/XX/XXXX to XX/XX/XXXX but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP

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 2022-07-08
Company: DISCOVER BANK
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:
XXXX XXXX notified me that there had been a hard inquiry into my account. I decided to check XXXX and saw that Discover had conducted a hard inquiry on my credit report on XX/XX/2022. I reported the fraudulent use of my information to the Federal Trade Commission. Takes 24 hours to generate a report. Reference # XXXX but the temporary password is given by FTC and it does not work with my email account. I contacted XXXX and Discover to dispute the fraudulent inquiry. Before, I had filed a report with the XXXX XXXX online when a delivery from XXXX XXXX was stolen and never delivered to my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : XXXXXXXX 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 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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As reported on XX/XX/2022, Transunion reported a data breach resulting in my social security number, financial account numbers, drivers license number and name being compromised. As a result of this breach, I demand the account that I previously reported as fraudulent be removed, deleted and blocked from my consumer report immediately including : XXXX XXXX, XXXX, XXXX XXXX, XXXX, Department of XXXX  and Department 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 2023-05-09
Company: Synovus Bank
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For the past few months I have been working with a realtor to become a first time home buyer. As the realtor been running a soft credit check there was problems with all 3 credit bureaus. I was able to fix the problem with XXXX and XXXX. I have called XXXX several times stating that I have an open credit card account with XXXX XXXX since XXXX of 2022. XXXX has tagged my credit report with unable to receive a score and I am unsure why? I have also faxed a letter to XXXX XXXX to make sure that my account is being reported to all 3 credit companies. I have spoken with a customer representative four or five times and it is exhausting not knowing what I should do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Avant Credit Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2018 XXXX/avan made a fraudulent hard inquiry to my XXXX  report. XXXX   has been unwilling to help me address the extensive fraud on my report and instructed me to contact each creditor. I have been unable to reach this company on my several attempts by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I TRIED TO SETTLE A DEBT WITH XXXX XXXX BECAUSE THEY PUT NEGATIVE INFORMATION ON MY CREDIT REPORT AND I WAS NEVER NOTIFIED ABOUT THE DEBT IN THE 1ST PLACE. I AM XXXX MILITARY AND THIS IS AFFECTING MY LIFE. THE REP TOLD ME IF I SETTLED THEY WOULD NOT REMOVE THE 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 explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 received a letter from XXXX XXXX ( XXXX XXXX ) stating that they had closed my account for high balance reasons ( I have attached the letter ). They gave me no warning that they were going to do this. I have had a XXXX  balance on this card for a year. When I called they said that they closed my account for non-use, diabolically different reason than in their letter. When I asked him if this would affect my credit, he hung up on me. 

I called Trans-union. The person I spoke with there said that it is on my credit report as " closed by creditor, '' or something close to that. He told me I could not dispute it because they just said they closed it and did not give a reason. 

I spoke with the Minnesota Department of Commerce first, who gave me your information. 

I hope you can help. I thought I was doing the right thing having a XXXX  balance. This card can only be used for medical, so it's not the type of card you would use on a regular basis. 

I don't want the card anymore, since I found out what a fly by night company this is, but I do not want this to appear on my credit report, thereby damaging my credit for no 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 non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am not responsible for the XXXX account on my credit report. My husband removed me as an authorized user months ago. Everytime I dispute it with equifax they close the dispute without explanation. It's ridiculous. A simple check with XXXX would prove I am not responsible for the account. I have provided proof from penfed where I was removed as an authorized user months ago and they ignore it. They never read the disputes I file with them. I am considering legal action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Personal Cash Loans of SC, Inc.
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 I went to Kinsmith here in South Carolina and applied for a {$650.00} loan, and I give them all of my information and the lady said that it was going to take about 30 minutes and I would get a call. So 30 minutes later I havent received a call from them, until I called them on the following Monday midday and asked what was the status on my loan application, told them my name and the lady said that I was denied and that I would receive a letter from the company on they decision, so I asked her could she see why I was denied because yall dont do pulled credit or credit scores. So I waited until I received my letter and on the letter say that I asked for a {$1200.00} loan and I know for a fact that I didnt asked for one because they dont loan out no {$1200.00} loan. They only give out {$1000.00}. I believe it was the amount that I was denied, but I know that they using my information to other lenders because Im receiving unwanted phone calls and numbers from different lenders about loaning out loans..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Good morning, I've having an extremely difficult time with XXXX XXXX bank still reporting late payments on my credit profile well over XXXX XXXX XXXX. I've tried to point this issue out to them that these late payments should've already been removed. 

I was informed that the late payments would fall off automatically and today when I checked my updated accurate credit report, it still shows the late payment that were supposed to had been removed off of my credit report.

Their stagnation and unwillingness to report accurate information on my credit report is significantly impacting my credit score. I can not obtain new lines of credit because of this ongoing issue. Please assist in anyway possible. Thank you in advance

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Good morning, I've having an extremely difficult time with XXXX  XXXX bank still reporting late payments on my credit profile well over 2 years old. I've tried to point this issue out to them that these late payments should've already been removed.

I was informed that the late payments would fall off automatically and today when I checked my updated accurate credit report, it still shows the late payment that were supposed to had been removed off of my credit report.

Their stagnation and unwillingness to report accurate information on my credit report is significantly impacting my credit score. I can not obtain new lines of credit because of this ongoing issue. Please assist in anyway possible. Thank you in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: FC HoldCo LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed this company reporting a debt on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.

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