BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX : # 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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/, Transunion has reported to XXXX XXXX that I had recently closed a checking and/or saving account. 

This is false. I have not recently closed a checking and/or business account. 

There is a XXXX XXXX XXXX checking and savings account that was fradulently opened. I have disputed this with XXXX  XXXX XXXX XXXX has no proof that it was me personally who opened this account. Transunion should remove and not report false 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 2023-06-21
Company: Experian Information Solutions Inc.
State: IN
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:
NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2021-02-15
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: Personal information incorrect

Complaint:
PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR SEE LETTER ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: DISCOVER BANK
State: IL
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:
Submitted a pre-approval request XX/XX/XXXX and was advised I would qualify for two different cards and was asked to apply. Completed application on XX/XX/XXXX and was advised I was denied for the card. 

Called and was told the reasoning was due to a prior or current account that was with them that went past due. I had a prior card back in XXXX that was then discharged through a bankruptcy ( Chapter XXXX ). It went past due prior to filing. 

The person advised the reason I was denied and only reason is due to this past due account. I then asked what is their time frame that I would then become eligible to reapply and that this condition would not count against me. I was told I could " apply at any time ''. I advised this doesn't make any sense given I just applied today and was advise I don't qualify due to this issue. 

I asked what is Discover 's policy regarding when someone who had an account that went past due would be eligible for a new account. I was told they don't have a policy and that I should consult a financial adviser. I responded this is not accurate information as a financial adviser would not be able to advise what Discover 's policy is and that this denial is due to their own policy not external. I was never able to get an answer. 

All I simply want to know is what is their policy. Its pointless for me to keep reapplying for a credit card with them and having a hard hit against my credit if I'm just going to get denied for an old account that was legally discharged. Its also very poor that someone would just tell you to keep reapplying without a consideration to the fact this hurts your credit with a hard inquiry or be able to provide a time line. Its rather insulting to be told there isn't a time frame when if I'm being denied because of this, it would logically mean there is one. Also if this is the ONLY REASON for denial as stated per the rep, it would typically mean there is a POLICY in place about this. As a consumer you should be able to be informed when asking about what the policy is in order to make decisions regarding your time and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX {$230.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT ONLINE COLLECTIONS Account # XXXX Contact Information : XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX   Account # XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF 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 explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
By the Fair Credit Reporting Act XXXX Account # 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 an 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 explanation
Consumer complaint received 2023-12-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to atm on XX/XX/XXXX and had a cash deposit of XXXX XXXX dollars bills. When I deposited the cash into the slot the atm only counted XXXX for XXXX dollars and spit out XXXX XXXX dollar bill back. So I confirmed the XXXX dollars and proceeded to deposit the remaining XXXX dollars. The atm grabbed the XXXX dollars cash and then had me confirm the amount of XXXX. I confirmed the deposit of XXXX and I waited for the receipt. No receipt generated for me so I tried to print receipt on the atm machine and the ATM machine shuts down and shows on the screen OUT OF ORDER. I called the bank the next morning and explained what happened to me. The agent took my information and he filed a claim dispute and told me that I didnt need to worry because they will take care of this. I told him that Wells Fargo needs to obtain the security cameras to verify that I made the second deposit of XXXX XXXX dollars and they would also see that the atm machine spit out XXXX XXXX dollar bills back. So I hadnt heard from the claims department after 10 days being XX/XX/XXXX XXXX.I called them and was told that it was still being processed. 
I recieved a letter two days ago Saturday, XX/XX/XXXX stating that the since the original credit was correct, on XX/XX/XXXX, we will deduct the temporary credit of {$300.00} provided to you earlier on XX/XX/XXXXXXXX  When you make a deposit at a Wells Fargo ATM, you are prompted to confirm the amount and a receipt is then generated. We recommend you keep the receipt until you see that the deposit has correctly posted to your account. 
Now I have been banking with Wells Fargo for over four decades now and I believe I know how to make a deposit. I was furious that they were so callous and rude to print something that apathetic to a loyal customer insinuating that I do not know how to deposit money. Plus I just received this letter in XXXX when I deposited the money back in XX/XX/XXXX. 
I immediately called the claims department on Monday XX/XX/XXXXXXXX  and I was told that they had someone come out to check the machine and it was working just fine and that this case is now closed. So Wells Fargo has my {$300.00} dollars and basically is saying that I am dishonest and a liar and they never checked the cameras to verify my claim and my name. 
Can you please help me get this resolved and have the claims department take a course in the customer is a very important part of their banking business. 

Thank you so much for the platform to speak out when an injustices happens with peoples rights to earn a living wage only to be told that they are keeping the money. 

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 2023-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Received a call at XXXX MST, which is the time zone I have primarily resided for over 2 years. Additionally the company makes incessant calls while I am at work, refusing to identify themselves or the nature of their calls. Aside from having all calls from all callers forwarded to voicemail while I am working, the company continues to call back numerous times a day. This harassment and illegal contact tactics must stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/18, I requested a copy of my credit report from all three credit bureau and at first glance, I notice an account that wasn't mined. I did some deeper research found out that some individual had somehow got my info and used it to buy a dog at a pet shop, without on permission. I wrote disputes letters to all three of the credit bureau XXXX, XXXX, and Experian. they keep writing back account XXXX was verified, I even contacted the finance company that provided the finance to the pet company. they sent me a copy of the original contract, which was fraudulent, they also said the item should be deleted off my credit report. Sent all three bureau proof of the fraudulent contracted, but still, they would not remove the item off 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 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need my personal information update correctly. My name is XXXX XXXX XXXX XXXX please remove any other variation of my name. I have several addresses that are not mine showing on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove delete any other addresses they are not mine! Please delete the following numbers : ( 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 they are not mine. My Current Employer is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please delete/remove any other employer the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX all of these are incorrect and not accurate. I have a unverified information please delete : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK #  XXXX I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB 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 2023-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 XXXX Studnet loan services were paid in full and I received a letter that I will attach that states this is so. Equifax refuses to acknowledge the letter in my dispute XX/XX/2023, I called and they hung up on me, I need this reported correctly and accurately asap. This is fraud. Equifax is refusing to do a proper dispute resolution and no I believe them to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, 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:
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
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:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2019-02-15
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a BestBuy Visa card. I have not used it for years and set up automatic payments to pay off the amount owed, which was under {$1000.00} and the limit was {$1000.00}. In XXXX, I was mailed new cards for myself and for my mom ( I was not aware that she was on the account as she is in a XXXX   XXXX XXXX ). Shortly after that, BestBuy stopped mailing the statements to me but when I went online, the payments were still set up. 

In XX/XX/2019 I started getting calls, sometimes up to ten calls a day from Citibank informing me that I was past due and over the limit. This should have been impossible because I did not use the card and the automatic payments were being made monthly. I informed their representative of this and was yelled at and told that I better pay up. Because of the repeated calls and the attitude and language of the " customer service '' representative I thought it must be fraud. 

I decided the best course of action would be to send in some extra payments of {$75.00} each and request a statement. The calls continued and today I received an e-mail that my account is past due. 

I believe this is all false information and I think there is something amiss.

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 2021-04-29
Company: Experian Information Solutions 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:
I am currently on a Cares Act Forbearance with my mortgage company, Idaho Housing and Financial Association dba XXXX. This company is reporting my mortgage late each and every month to all three credit bureaus. Under the Cares Act, it states they are supposed to report as paid on time or in forbearance. In which this Company hasn't done either. They are not complying with the Forbearance guidelines. 
I have called and emailed them with no resolution. The company refused to update the account.

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