BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX  during the Pandemic I was the victim of identity theft as were many of us. I then placed a fraud alert with the reporting agencies XXXX, XXXX, and Transunion shortly thereafter. Despite my effort to protect my identity and my nonpublic personal information the aforementioned agencies not only allowed my info to be used, misused, and abused but after I reached out and submitted a statement which can still be seen on my report as of to date stating that none of the inquiries or accounts added after the fraud alert was placed there had any accuracy they further allowed the inaccuracies to stay rather than remove them in accordance with 15 USC 1681i.

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 2020-03-11
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Original creditor was XXXX  which was in the BK field XX/XX/XXXX which have a XXXX balance Cavalry Portfolio Ser bought the debt XX/XX/XXXX after BK was file and please in collection XX/XX/XXXX ask XXXX XXXX with a XXXX balance asked the original creditor this is a Reappearance of a trade line and after the BK was file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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: Was not notified of investigation status or results

Complaint:
Hello so on [ date ] I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-21
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: Was not notified of investigation status or results

Complaint:
Hello so on [ date ] I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, the consumer am aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ). I filed a complaint on XX/XX/2022 ( XXXX ) due to the illegally furnished accounts on my consumer report by TRANSUNION. Again, I gave no form of written instructions to accept, furnish or report any information on my behalf. This is considered identity theft. I, the consumer am aware the term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. It has been more than 30 days since this complaint was filed, per Exhibit A. Notice, it is a fact after 30 days if the information can not be verified, or if the information is found to be inaccurate or incomplete, the information must be deleted, modified as complete and accurate. The information associated with 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 is still reported inaccurately and illegally in my consumer report before the investigation and shown in my consumer report after the investigation. This information should have been deleted and I should have been notified of this deletion. This is a violation of 15 U.S. Code 1681i ( 5 ) ( A ) ( i ). I demand to know the persons who certified this information otherwise remove all the accounts listed. It is a fact, affiant is aware, each requirement of the FCRA which Transunion fails to comply with, holds the company liable for {$1000.00} per action and pursuant to 15 U.S.Code 1681i when an investigative report is prepared, no adverse information in a consumer report may be included in a subsequent consumer report unless the reported was verified. Each month this false information was incorrectly verified making TRANSUNION liable for each consecutive reporting shown in Exhibit B-J.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Today, XX/XX/XXXX, I tried to login to my Trans Union credit account, only to find that I was locked out. A customer service phone number was provided and I called and spoke with a representative who reset my password. Upon trying to login again, with the temporary password that was sent, I got the same message telling me that my account was locked. I was then informed by the Trans Union customer service agent that I needed to be transferred to a support manager for further investigation. I was transferred over to XXXX ( Reference # XXXX ). XXXX informed me that my account was permanently locked due to suspicious activity with my account. XXXX informed me that I was only allowed access to my credit report by calling in and requesting it. I asked XXXX about what steps I needed to do, to regain access and XXXX told me that my account is locked for life. 

So, my understanding from Trans Union customer support agent is that because someone hacked, violated, trespass, manipulated my account, I am no longer able to have access to my Trans Union account. That doesn't seem fair, honest, or even legal. And how do I know the validity of my account being fraudulently hacked/accessed? What substantiates that claim!? And why was I not made aware of " suspicious activity '' on my account? 

Under SB-1121 of the California Consumer Privacy Act of 2018, I am allowed access to my credit report ; however, Trans Union is denying me access to that via the web site ; like 99.9 % of all US consumers XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a joint account on XX/XX/2021 with Wells Fargo for a line of credit. The account was approved but the account is not showing on my credit reports, only the hard inquiry. I have contacted Wells Fargo multiple times but have been told the account has been reported to the bureaus, only to later get a letter in the mail stating that I need to contact the credit bureaus as they are the ones who are refusing to display this account on my credit reports. I contacted XXXX and XXXX ( the 2 bureaus that the account is reporting to for my joint account holder ) and was told by both that they report what is reported to them by the lender, and that they don't just refuse to report accounts. They both stated they have not received any account information from Wells Fargo to report. 
I have contacted Wells Fargo to update them on what the credit bureaus said and was told there is no reason this account shouldn't be reporting to the credit bureaus, and to contact the credit bureaus for resolution. 
This has been ongoing for months. I have a hard inquiry on my credit report indicating that Wells Fargo obviously has the information needed to report the account. I was approved for the line of credit, used the account, had excellent pay history, and have since paid off the loan. This remains an open and available line of credit and I need it displayed as such on my credit reports. I have been unable to get any help with this matter and am escalating this to you.

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: 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:
XXXX XXXX XXXX XXXX, dba XXXX has attempted to collect a debt I do not owe on behalf of XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. Today, XXXX XXXX XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( 780+, 800+ ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. Again, my attorney has sent XXXX XXXX XXXX certified letters several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a XXXX speaker system, cleaning fees, etc. which were are fees that I do not owe. I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. I've also attached my FICO scores to include XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. As you can see, my XXXX FICO XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX FICO score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.

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 2020-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
After recently reviewing my credit reports I discovered that your company is inaccurately reporting unauthorized inquiries to the credit bureaus. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) the only permissible purpose for pulling a consumers credit is : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order I did not grant you  authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of any credit application authorizing the disclosure of my credit reports with my signature, I will accept the inquiry. 

If a signed authorization can not be found please DELETE any/all inquiries from my credit reports that you're inaccurately reporting to the credit bureaus. 

The presence of any inaccurate information can adversely affect my credit and its reporting is a violation of the FCRA. Furthermore, it is impeding my ability to obtain necessary credit. 

Please mail me a verified copy of the signed application or a letter indicating your intention to delete the inquiry. 

Note : Verification in the legal context refers to a declaration under oath or upon penalty of perjury that a statement or pleading is true. 

As time is of the essence I hereby request your prompt attention and assistance in resolving this matter. 

Date of Inquiry in question : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: SC
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:
It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

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 2023-01-18
Company: LDF Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX of 2022 I took out a small {$200.00} loan from Makwa Finace. The payment schedule of {$79.00} appeared to quite long, far exceeding the {$200.00} loan. I aksed about this before agreeing too the loan and just paraphrasing, was told it woud not take that long to pay bck the loan. After two payments they showed I still owed in excess of {$300.00}. At that rate I can not ever pay back the loan. 

I started asking questions around that time and would be happy to share the mail thread with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
this information is incorrect on my credit report, XXXX XXXX XX/XX/22 XXXX XX/XX/22 these inaccurate inquiries are hindering me from my current mortage approval i am asking that you remove it ASAP I HAVE NO CLUE OF THIS 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 2020-05-01
Company: Mercedes Benz Financial Services
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 status incorrect

Complaint:
Mercedes has fraudulently reported a charge-off to the 3 credit agencies for a vehicle lease contract that was satisfied in XXXX 2019. They claim there are excess wear and tear charges I am responsible for. In spite of 8 letters to them, they have failed and refuse to send any documentation to substantiate the exact nature of the excess wear and tear charges. They sent two debt collectors after me. I asked ( in writing ) repeatedly for the same information. I received nothing. They have now reported the account as a charge off and my FICO score dropped almost 100 points because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-02-12
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I applied for the XXXX XXXX XXXX. I received a message that they were unable to verify my identity. The email said to call customer Service. I called and explained that I am an existing XXXX customer with an investment account. The rep said she could see that I was a customer in good standing. I was told to try the application again. I got the same message that XXXX could not verify my identity. I was told that I would get a call in 1 to 3 days from someone in their back office. I waited 4 days and did not get a call or email. I called back to customer service on XX/XX/2022. I was told to reapply and wait 1 to 3 days for a call back. They said the issue is not my credit. The problem is they can not verify me. This is insane. In order to have the XXXX XXXX account they had to verify my identity. The US Patriot Act required that. Obviously, they are not following the US Patriot Act. If they were then they would have verified my identity when they opened the Investment account and would not be having this issue now. I want to know what the issue is? If they can't verify my identity then there must be an issue that I need to address.

Company response to consumer: Closed with explanation