BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want this on my report , it hurts my credit history and it's not mine.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX XXXX XXXX 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

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX XXXX 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

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A few years back I had an checking account with Wells Fargo bank XXXX XXXX 's Georgia. It was about every pay period for around XXXX that I had overdraft fees and wasn't swiping my card for anything the said I was. So I wound up with no money in my account when I would use my debit card it would decline so i would have to take time off of work to go to the bank every week. That was causing me to have lower and lower paycheck amount not to mention the funds the bank said I owed and did not owe them anything. So, I feel as though Wells Fargo owes me money. I'm having the same issue with the XXXX XXXX also.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am writing to formally dispute several fraudulent accounts on my credit report. Despite my previous attempts to address this issue, these accounts remain on my report, and I believe this to be a violation of my rights under several federal credit laws, including : Fair Credit Reporting Act ( FCRA ) : I have the right under FCRA to dispute inaccurate or fraudulent information on my credit report, and TransUnion has a duty to conduct a reasonable investigation. 

Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA ensures that consumers have the right to dispute fraudulent accounts and requires credit reporting agencies to correct or remove inaccurate information.

Identity Theft Assumption and Deterrence Act : I have reported these accounts as fraudulent and have taken steps to address identity theft, which is protected under this act. 

Consumer Financial Protection Bureau ( CFPB ) Regulations : I have communicated my concerns to TransUnion, and I expect that these matters are resolved in compliance with CFPB regulations. 

The fraudulent accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously provided documentation and information supporting the fraudulent nature of these accounts, including a police report for identity theft. However, these accounts have not been adequately investigated or verified. 

I request that TransUnion : Conduct a thorough and comprehensive investigation into these fraudulent accounts. 

Verify the accuracy of these accounts and, if unable to do so, remove them from my credit report immediately. 

Provide me with written confirmation of the results of your investigation. 

I have enclosed copies of documents related to my identity theft report, previous correspondence with TransUnion, and any other evidence that supports my dispute. 

I expect this matter to be resolved promptly, as the continued presence of these fraudulent accounts on my credit report is causing significant harm to my financial well-being.

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 2023-06-15
Company: OneMain Finance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602, States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2, States : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: MS
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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX I checked my credit report, and it shows that the credit reporting agencies still have not removed all the personal names that do not belong to me. In accordance with the Fair Credit Reporting Act, the list of names below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681i ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall...

( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( II ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) ( i ) Certification of accuracy of information : If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
I have on numerous times requested that the credit reporting agencies remove those personal names that do not belong to me. I still see them on there and I also sent them a copy of my driver 's license.

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 2021-09-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been tryin apply for assistance since XX/XX/XXXX, since then SPS has denied my request for mortgage assistance numerous times. Most recently I applied for loan modification assistance on XX/XX/XXXX and faxed in documents to XXXX on XX/XX/XXXX SPS declined my request for mortgage assistance within 7 days of me submitting my paper work. I don't feel that SPS properly reviewed my paperwork during this time since there denial turnaround was so quick. I was never given a single point of contact to discuss this decision and I was not given a denial letter or was informed why they denied my case. Each time I asked for a copy of the letter they assured me there is one and that I should have received it by now. This lender SPS is purposely denying my modification or assistance only to foreclose on my home. I have Offred {$9000.00} towards the past due if they can work with me and apply the balance to the end but also denied that request. I am asking the CFPB to investigate SPS on violations under the Truth In Lending laws set placed for Failure to perform and Negligence on my home. SPS has failed to remove the foreclosure date set on my home while I worked with them with options, right now they currently have my home for Auction for XX/XX/XXXX and when I asked them to allow me to apply for help they refuse and say its not enough time prior to foreclosure and offer only Deed & Lou but SPS has had foreclosure against my home while under review for mortgage help, I believe this is in direct violation of Dual Tracking

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX # 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

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2019-09-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I owe about XXXX on this car that I verbally told take due to I was having several cat problems and issues that I felt I should not be paying monthly for a used car thats having so much trouble. SANTANDER consumer has taking this car for over 7 years now. They are lingering and haunting my credit like they dont have a life breath to just not get off my credit. I dont letters but I get phone calls from XXXX XXXX which they are the ones working with them. I think this is fraudulent information that should of been removed if there is no communication from this company. I am going to get lawyer cause there are lots of people with this same issues with SANTANDER better known as XXXX XXXX. They are high robbery and scammers. They want to stay on your credit report for life not 7 years. I want this company REMOVED or I will settle this in court. I dont even have an account number or loan information no more. I am sick of it. By law it should be removed if no communication whatsoever from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This hard inquiry is fraudulent I didnt authorize it. XXXX XXXX XXXX XX/XX/2023 please delete it from 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 explanation
Consumer complaint received 2019-01-18
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I have recently received information from Navient about the terms of my last agreement with repayment. This is ONLY after they sold my debt to a collection agency. I have been requesting this information in WRITING for the last 4 years, multiple times and have submitted multiple complaints with the CFPB about this topic and never received WRITTEN proof of the program I was on. While I was on the program I logged into the Navient website and found no confirmation my interest rate was lowered to the .001 % interest rate promised, and from what I saw on the website the payments I made were less than what was owed and I was late Several thousand dollars. I also noted that though I had paid on time for over a year my debt owed had actually gone up, which seems odd for a repayment plan. I was also told at the very beginning almost 4 years ago, that this plan would PREVENT me from defaulting on my loan and I didnt find out till 3 years after that I was defaulted the entire time and the only way out was to pay the loan in full, which was impossible at the rate I was going as my payments were not lowering my amount owed even after 3 1/2 years of paying {$250.00} a month. I Can not consolidate this loan because no lender will recognize my school, and Sallie Mae/ Navient at no point ever offered me a consolation loan or an opportunity to do anything with this loan other than pay the 12 % interest rate. My original amount owed was {$34000.00} I accrued 15 % interest while in school and now owe over {$56000.00} despite paying over $ 17,000+ over the last 13 years. Sallie Mae/Navient has never given me a repayment solution that actually benefited me, everything they did just added more and more to my debt owed. Im totally financially crippled because of this and cant buy a home or car or even take out credit cards, I even have to over pay on deposits to rent an apartment even because my credit score is so negativly affected. Theyve gone as far as calling my work and my XXXX year old grandma when Im even a little late on a payment and told my grandmother that my mom was going to lose her house if I didnt pay. When they called me at work I told them not to call me there and hung up, only to have them call back SEVERAL times and even tell me they knew I was getting married soon ( never disclosed so they must have learned that from my coworker ) and that maybe I should marry a rich man instead.. this company has been a thorn in my side for over a decade and I would just like to move on with my life..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an online savings account but was unable to create a username for online access because of a retail checking account I had 6 years ago. I do not know the password for that account. I am unable to reset the password online, and when I call in to get the password reset, I am transfered endlessly between people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I woke up this morning to XXXX new inquires on my credit report that I do not recognize all being on the date of XXXX XXXX XXXX XXXX XXXXXXXX CAPITAL ONE XXXX XXXX XXXX I am not sure if any amounts for I received notifications of new inquires

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I CONTACTED XXXX EQUIFAX AND XXXX   about them having my updated balances incorrectly reported on my XXXX  account. I will attach documents to show they are falsifying updated balances on my report and my AU 's report for this same XXXX  account. And EQUIFAX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XXXX  of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am Not liable for these accounts listed XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Theses account are Fraudulent. 

FTC Report Attached.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT EDXXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$19000.00}.

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 2022-08-10
Company: Newman, Hesse & Associates, P. A.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Newman, Hesse and Associates filed a garnishment with my employer using a false court case number. When i looked the case number up in court records it came to a different person and county. Also I was not notified about the gatnishment either by the agency or my wmploywr before the money was taken from my check.

Company response to consumer: Closed with explanation