BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
These company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusionsexcept as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the above LATE PAYMENTS from my consumer report, the agency is in violation of 15USC 1681 Failure to respond satisfactorily with deletion of above referenced account, and send out a free copy of my credit report after changes have been made, will result in legal action being taken against your company. For which I will also be seeking {$1000.00} per violation for : 1 ) Defamation of character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections Practices Act 15 USC 1692g violations 4 ) Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to request the removal of several negative items from my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). These items are as follows : UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with account number XXXX. This account has a payment history despite being a charge off, which is a violation of the FCRA. I request that it be deleted immediately. 
XXXX XXXX XXXX with account number XXXX. This creditor has reported 60 day late payments on my account for XXXX and XXXX of XXXX, but I have never been late on this account. They have admitted over a recorded phone call that these late payments were an administrative error on their part and agreed to remove them. A copy of that XXXX file of the call is included in this complaint. The creditor has also failed to prove that they sent out an early warning notice as required by the FCRA. 
XXXX XXXX XXXX with account number XXXXXXXX XXXX with account number XXXX, XXXX XXXX with account number XXXXXXXX XXXX  with account number XXXX. These accounts have a payment history despite being charge offs, which is a violation of the FCRA. I request that they be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with account number XXXX, and XXXX XXXX XXXX XXXX with account number XXXX. Kindly investigate and make sure these accounts belong to me because I can not recognize these businesses. Please delete these accounts from my credit report in accordance with the FCRA. 
I would like to emphasize that these items are causing significant harm to my credit score and financial well-being. As such, I request that you take immediate action to address these violations of the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-08-16
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: Information belongs to someone else

Complaint:
This is one of 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 accounts 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 accounts : XXXX XXXX and XXXX XXXXXXXX. Please remove these accounts 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 non-monetary relief
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I am trying to get my free credit report from Equifax. They continue to tell me that online delivery is unavailable. They are requesting that I send my personal information via mail to them which is out of the question, they have proven to not be careful with my information before so I do not trust this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
Equifax does n't allow me to see my credit report online. They 're asking questions which I did n't. So, I ca n't answer correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In 2020 I contacted bank of America after noticing my account had - {>= $1,000,000}, I was told someone used my bank card at an atm and tried to get money off it. I told them my card was stolen and they notified me that nothing was taken, I wasnt seen on the camera and I was cleared of suspicion through a form of a letter. Three years later I am on the XXXX list for banking what should have been declared identity theft was claimed as fraud. I have gone to the physical bank and talked to phone agents, spoken to the police and consumer agents to get advice and help. The bank has not complied and has gas lighted and lied in this situation. The dates they provided consumer agency and the physical letter I gave them proved that information was incorrect, though my disputes were denied and the bank isnt giving me the full information or the consumer agencies. I dont know what to do further without the banks help with details of information I cant get a police report. No money was said to be taken as told by agents via boa on the phone. The bank told me that they didnt have the data because it was over 2 years but they have invalid data to give saying I was fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed for Bankruptcy in XX/XX/2020 and noticed that I was unable to access my loan information online specifically to make payments. I called and was told by the lender that I had to call and make my payments because of my bankruptcy status. Dovenmuehle has denied access to my mortgage information on their website. ( see attachment ) - I can not see any of my loan information, i.e. taxes, amortization schedule, fees etc. 

My bankruptcy was completed and discharged as of XX/XX/2020. I thought I would be able to have my online access returned after my discharge, however I was told I wouldn't be able to have this any longer for the term of my loan. When I called in XX/XX/2020 to inquire as to why I can not access my information online, I was told that I did not submit a re-afirmation agreement form during my bankruptcy. However, I was told by my lawyer that upon notification of my bankruptcy, the lender should have provided the this form. 

When called today, XX/XX/2020 - I was directed to the collection department. I was then told that I could submit a request in writing to the Research Department to see if there was any way to resolve this issue. I have sent an email and waiting for a response which they said would take up to 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Aldridge Pite, LLP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We sent the alleged XXXX Clear Recon Corp ( CRC ) a request to investigate the documents in person and they have failed to reply. We sent them the attached Subpoena and they have not responded. Please help us obtain the documentation requested in order to inspect it properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting 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:
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.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction regarding the persistent challenges I have faced in attempting to rectify a charge-off account listed on my credit report through Credit Bureaus XXXX Despite numerous attempts to address this matter, the charge-off entry remains, causing significant distress and negatively impacting my financial standing. 

The presence of the charge-off on my credit report is both inaccurate and unjustified. I have attached supporting documentation for each attempt made to rectify this situation, demonstrating my commitment to resolving this matter promptly. 

I request your immediate attention to the following matters : A thorough review and correction of the charge-off entry on my credit report. 

Confirmation, in writing, once the charge-off has been successfully removed. 

I understand the importance of accurate credit reporting and its direct impact on my ability to access financial services and favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item 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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
After reviewing my personal credit report, I have found inconsistent data on my report and would like to resolve these issues for the following accounts : XXXX XXXX # XXXX Delete this account for inaccuracies : Date of charge offs on reports have inconsistent dates. TransUnion reports no charge off XX/XX/XXXX, XXXX reports charge off for XX/XX/XXXX, XXXX reports no charge off for XX/XX/XXXX Account Type is inaccurate.TransUnion reports XXXX Account, XXXX reports XXXX XXXX, XXXX reports Installment XXXX # XXXX Delete this account for inaccuracy because Date of Late Payment reports inconsistent dates. TransUnion reports late on XX/XX/XXXX, XXXX reports late on XX/XX/XXXX, XXXX reports late on XX/XX/XXXX XXXXXXXX XXXX  # XXXX Delete this account for inaccuracy because Date of Last Payment reports inconsistent dates. TransUnion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, XXXX reports XX/XX/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 2023-07-17
Company: EQUIFAX, INC.
State: AL
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:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Request to Update Credit Card Balance Information Dear [ Credit Bureau Name ], I hope this letter finds you well. I am writing to request an update to the credit card balance information associated with my credit profile. I recently noticed that the balance reported on my credit report does not reflect the accurate current balance on my credit card. 

Please find below the details regarding my credit card account : Credit Card Issuer : XXXX Statement Closing Date : XXXX Current Credit Card Balance : {$3.00} I kindly request you to update my credit card balance to reflect the most up-to-date information. This correction is crucial as it directly impacts my creditworthiness and financial standing. I have taken necessary steps to ensure that my credit card payments are made on time and in full. 

Enclosed with this letter, please find supporting documents such as recent credit card statements or any other relevant information that may assist you in updating the balance accurately. 

If there are any additional procedures or forms that I need to complete to facilitate this update, please let me know at your earliest convenience. I understand the importance of accurate credit reporting and would appreciate your prompt attention to this matter. 

Thank you for your prompt assistance in resolving this matter. I trust that you will handle my request with the utmost professionalism and efficiency. 

Should you require any further information or have any questions, please do not hesitate to contact me at XXXX or via email at XXXX. 

I look forward to a positive resolution to this issue and thank you in advance for your cooperation. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: In progress
Consumer complaint received 2023-11-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
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:
Ive noticed accounts on my consumer report as I was looking to purchase a home, Ive noticed so many fraudulent accounts that arent mine. 

Please if you can assist me on removing this inaccurate information from my consumer report.

Company response to consumer: In progress