BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
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: Information is missing that should be on the report

Complaint:
FCRA requires consumer files accurate and complete. Want account to list on credit report entire payment history & updated status ; date account was opened and closed ; credit limit ; high credit limit ; balance, high balance ; list in payment history section year and month payments were 30,60,90,120,150, 180 days late and charged off date. 

XXXX XXXX XXXX informed me that account is owed by them effective XXXX. And XXXX does not own account, however account is 100 % inaccurate. 

Attached is document from XXXX XXXX XXXX stating their ownership. 


Congress was clear that credit reporting companies and furnishers have responsibilities with respect to accuracy with no exceptions for legal issues. 

the CFPB, together with the Federal Trade Commission ( FTC ), filed an amicus brief in Sessa v. Trans Union , LLC, a case in which a consumer sued TransUnion, one of three nationwide credit reporting companies, for violating the FCRA. There is no dispute about the facts : TransUnion reported on a consumers credit report that she owed nearly {$20000.00} on a car lease that she actually didnt owe under the plain terms of her lease. 

The consumer sued TransUnion, arguing that it had violated the FCRA by failing to have reasonable procedures to assure the information on her report was accurate. TransUnion argued that it couldnt be responsible for failing to do its duty because the error was legal rather than factual. TransUnion also argued that the incorrect information couldnt be inaccurate because it was provided to TransUnion by the company that financed the lease. 

The brief filed by the CFPB and FTC points out that the FCRA does not contain an exception for legal inaccuracies. Rather, the law commands credit reporting companies to follow reasonable procedures to assure maximum possible accuracy. While TransUnion argues that the inaccuracy on the consumers credit report was based on a legal dispute, the error was simple and straightforward : TransUnion reported that the consumer owed money that she clearly did not.

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 2022-01-13
Company: EQUIFAX, 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:
XX/XX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax and XXXX on 4 separate occasions with no response or removal. This is direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Before moving out of the residents the apartment manager had made a agreement with me to pay on damages that had accrued i had paid {$790.00} in total she had given me hand written receipts she told me that once repair total was paid in full the maintenance man would come an repair the issues at the time of me moving i had asked the lady if the repairs were going to be a issue since i had paid them she said no they would be repaired before the corporate office came an inspected the apartment to see what needed to be charged then i get this huge bill on me credit. this was taken care of already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 reported the inaccuracies of the report to all three bureaus and for the account to be removed from my 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 explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Ive noticed some unauthorized inquiries and XXXX unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX  XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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:
My name XXXX 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 reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have some Credit cards that have not shown up on my credit as being paid on. When I contacted the companies, i.e., XXXX XXXX, I asked them why is it that you reported to Equifax I made my payment if XXXX but not the other two. The contract that binds between the credit card company and the credit card holder specifically states the credit card company will report to all three credit bureaus. This is not the only company I am having problems with. It is directly affecting my credit score. When I asked XXXX XXXX to show me and ask for proof that they did report to all three credit companies they refused to provide me with any proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX Judgement lien ( from not paying credit card ) agiasnt my checking account with Wells Fargo Legal Order Processing Department. Once I sent proof to the XXXX XXXX XXXX XXXX  that I was XXXX  they updated thier file. In the meanwhile I recieved letter from Wells Fargo that my checking account was proctected & no one could withdraw monies because it was social security. Wells Fargo did not protect my savings account, Wells Fargo All departments would not help me at ALL. I told Wells Fargo that social security was being transfered into my savings & they are taking my money. I could not cancel the transferring because I would owe Wells Fargo a monthly fee. 
I kept fighting going back & fourth with XXXX XXXX Wells Fargo, Till I finally Won. 
XXXX XXXX XXXX XXXX  asked me to send my checking & savings statements for the 60 days showing that exempt money was transfered into my savings & was not suppose to be taken because its social security money. 
XXXX XXXX XXXX on XXXX sent Wells Fargo a sign release from thier attorneys lifting the lien & allowing Wells Fargo to send me all the money they had taken. 
They sent Wells Fargo another release on XXXX. 
Wells Fargo said they sent the company a check on XXXX {$510.00} but confirmed it was not cashed. 
I have made SEVERAL calls to Legal Order processing department Wells Fargo & told me to bad, they can not give me my check. I have to call the company & ask them to send back the check. My response is : Why do I have to call I do not work for either company & the check is not cashed. 
I have asked for anyone Management, departments anyone who would help at Wells Fargo, They just keep telling me, sorry I have to get the check sent back. 
I have all the dates and names of all employees that I have spoke with. 
The bottom line, Is I did all the work, am procted under the XXXX and now that I won, Wells Fargo will not give me my check. 
this is been going on since XX/XX/XXXX. 
Please help me get my money back from Wells Fargo. I do not know what to do anymore. 
I have all the letters & faxes that are involved in this case. 
Wells Fargo Legal Order case # XXXX XXXX XXXX XXXX XXXX  Case # XXXX If anyone can help me, please. 
my contact is XXXX & of course email.

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 2023-05-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted.

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 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Opinion..sadly a scam. They never post a drop in debt to income and the report rarely changes because it is NOT REAL TIME. FURTHERMORE unauthorized used hit my credit dropping the score. I can not shop without getting a lower score. This is by all facts and hundreds of reports a fraudulent system. I submit my score only to he told it's XXXX or XXXX points lower band then I'm told they use the credit bureau score. If so how can their score be lower. Because they use their own algarithims and credit reporting suppliers. Giant scam.example today... paid debt but score dropped XXXX XXXX Learn more XXXX Data XX/XX/2022 XXXX Fair XXXX See all 3 Bureau XXXX Scores Credit Usage 89 % Total Debt {$160000.00} Open

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 2022-12-28
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called Transworld on XX/XX/2022 and spoke to XXXX XXXX and told her that this is not my dept but it she told me she will file a report but it wont be taken off. sHE TOLD ME IT WAS A SCHOOL LOAN. I DONT AND HAVE NOT BEEN TO SCHOOL This needs to be taken off. 
XXXX XXXX XXXX has flagged your account as Collections on XX/XX/2022. 

Source : XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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:
This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2022-04-20
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Started opening a checking account online, then had to visit closest location because I couldnt go any further online for set up until I physically had the account number or debit card. 
XX/XX/22 went into Keybank in XXXX XXXX, XXXX to finish opening the checking/savings accounts, also possibly mutual funds. I thought everything was on track until my debit card never came, and keybank froze the checking account unannounced, which subsequently affected my direct deposit I had set up, do the funds were sent back. I incurred unnecessary charges because I had to use my credit card to pay rent, and the employer incurred unnecessary charges because the funds were rejected by keybank. 
After a discussion over the phone with XXXX from Keybank about the charges, they refused to take responsibility for the incident. After 3 weeks of pestering him almost every 2 days about the debit card I finally received it after calling the customer service line for the second time in this period. They did finally XXXX  it to me overnight. XXXX had every excuse in the world why it wasnt keybanks fault, and I believe lied to me on multiple occasions about the status of the debit card. It sure is interesting that everything as far as funds for them to look good went as smooth as silk. The funds transfer to there credit card, moving monies from a previous institution to there bank all went without a hitch. KEYBANK had the nerve to tell me, they sent me a letter about freezing my account, I still have not received it. All these debit cards that XXXX supposedly requested before I got mine, youd think they wouldve showed up after 3 weeks, nope. Finally he asked me to send him proof of the unnecessary charges, that he was going to present them to his manager, but no promises. I did as XXXX asked to try to recoup over {$100.00} because of them. Still have not heard a squeak. I have to keep prodding him along to get any kind of answer. Most of the time its just sorry. Ive heard empty sorries so many times now, its a slap in the face more than anything from XXXX, XXXX, and everyone at keybank XXXX XXXX, and online customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 at approximately XXXX while I was sleeping, someone stole my debit card ending in XXXX and withdrew XXXX different charges from a non-Wells Fargo ATM. The first withrawal being of {$200.00} and the second withdrawal of {$160.00}. As a resolution, it is fair that I make this report, go under investigation and receive a credit back into my checking account for both amounts, since I am not the one who made the withdraw nor did I give anyone permission to using my debit card. When this incident first occured I immediately contacted Wells Fargo claims assistance center at approximately XXXX to inform them of this fraud activity. I reported my card stolen, as well as informed them of the XXXX non-atm withdrawals that were not made by me. They have issued out to me a new debit card and did their own investigation, but because of the information I provided my case was closed as they believe it was I or someone who had my permission to make the transactions.

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 2023-06-22
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. 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 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 non-monetary relief
Consumer complaint received 2023-07-11
Company: Resurgent Capital Services L.P.
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Resurgent is mailing my collection notice to my workplace where are mails are filter in order to make sure it go to the correct personnel relating to work assignment. 
I have inform them of the situation but they still continue to mail my personal information to my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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 hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/2023 regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the XXXX XXXX XXXX XXXX account for the month of XX/XX/2023, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to a response from XXXX within 30 days of the receipt of my letter. This response should include detailed documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

It has now been more than 30 days since I sent my initial request, and I have not yet received any of the requested documentation. It is essential to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

Given that the legally mandated timeframe has passed without a response, I formally request that XXXX Credit Information Services take immediate action to remove the reported late payment from my credit report for the XXXX XXXX XXXX XXXX account for XX/XX/2023. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

I am fully aware of the crucial role accurate credit reporting plays in maintaining fair and reliable credit assessments. Your swift cooperation in resolving this matter is of great importance to me. 

Thank you for your attention to this issue. I anticipate a timely response containing the necessary documentation and details outlining the steps taken to rectify the inaccuracies on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief