BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
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:
I have reached out to XXXX and XXXX XXXX  several times that I live in CA and someone established a mortgage in XXXX. After much research, it appears XXXX had the mortgage first and then XXXX XXXX had second This is not my debt please remove it from my credit report. Or provide proof with my wet signature that it is my debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 2023-11-22
Company: EQUIFAX, INC.
State: MS
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'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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 received two emails from XXXX XXXX about two hard inquiries. I did not authorize either of these inquiries. One inquiry is from XXXX XXXX and the other is from XXXX XXXX both took place on XX/XX/2021. When I called each bank they explained that someone had put in an application for a loan but due to this being fraud and identity theft each bank stated they will deny the application and that no money was dispensed to any person. I later proceeded to check my credit report on each credit bureau website. I am currently trying to dispute these two hard inquiries as I stated I did not authorize these loans. I did not give any person permission to use my personal 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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the attached documents. I request the bureau to commence an investigation into these accounts, as they inaccurately indicate late payments when I have a history of timely payments.

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 2023-12-04
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
When I purchased my home in 2021 I was never provided loan payment options from the title company. After moving into the home I called my mortgage company cross country mortgage, and requested split payments be setup. To do so it required a {$150.00} process fee and an additional months rent up front. During this difficult process of setting up the split payment I missed a couple payments due to the fact it was never clear on when the automatic payments took effect or an easy way to setup. I just received notice XXXX XXXX years later that my automatic payments are being cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
i did not authorize or give permission to run my credit to any companies nor anyone at all i would like for you to remove any and all hard inqury off my credit report that iam makeing this complaint on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
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: Report provided to employer without your written authorization

Complaint:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

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 2020-12-21
Company: FIRST HORIZON BANK
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On the XXXX of XX/XX/2020 at about XXXX EST I made a zelle online money transfer of {$1500.00} transaction using my XXXX XXXX mobile banking App. The transaction was cancelled and my checking account was debited of {$1500.00} by XXXX and First Horizon Bank. I was given a transaction ID of XXXX for this transaction, the beneficiary account never received this fund and it showed that it was cancelled on the mobile banking app. I contacted the bank the next day and I was asked to open a XXXX dispute which I did right there in the bank and also called First Horizon Online banking services. They told me it will be resolved in 3 to 10 business days and my money will be refunded back to my checking account. Its been more than 10 business days since this transaction happened, I have contacted the bank twice since then and they told me they can not do anything about my money until XXXX refunds the money. They keep telling me to contact there online banking services and still no help in sight after contacting the online banking services of First Horizon bank. I contacted XXXX and they told me to go back to my bank as I did not carry out the transaction with a zelle app. First Horizon Bank still has not been able to do anything regarding this transaction after contacting them numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have reached out to XXXX, XXXX, and Trans Union by phone call to address the issue about how they have violated my rights according to the FCRA. 

15 U.S Code 6801-Protection of nonpublic personal information 15 U.S Code 6802-Obligations with respect to disclosures of personal information 15 U.S Code 1681 Also I have not given none of the Consumer reporting agencies written or verbal consent and was never notified that my private information would be reported or used in any way.

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 2023-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
I've noticed these credit card inquire that I do not recognize. These bank did not take part of making a solution when the inquires was made. Dates provide below are the dates inquires was reported and when the they was informed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX 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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : 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 2022-03-03
Company: Scratch Services, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX : Received notification that the mailing address for checks would change on XX/XX/XXXX XX/XX/XXXX : Payment Sent XX/XX/XXXX : Received reminder notification that the mailing address for checks would change on XX/XX/XXXX *Please note that no late payment notices were sent between XX/XX/XXXX - XXXX XXXX XX/XX/XXXX : Payment Sent XX/XX/XXXX : Payment Sent XX/XX/XXXX : Payment posted to account XX/XX/XXXX : Payment Sent XX/XX/XXXX : Notice 30 day past due XX/XX/XXXX : Payment Sent XX/XX/XXXX : Payment Posted to Account XX/XX/XXXX : Payment Posted to Account XX/XX/XXXX : Payment Sent XX/XX/XXXX : Contacted Scratch via email after multiple chat attempts and phone calls. At this time, I was receiving notices that my account was delinquent, but my account showed a {$0.00} payment due. 
XX/XX/XXXX : Last Payment processed XX/XX/XXXX : Payment Sent XXXX XX/XX/XXXX : Scratch reports account 30 days past due for XX/XX/XXXX, this action drops my credit score XXXX points XX/XX/XXXX : Received notification from XXXX  XXXX XXXX, that payment from XX/XX/XXXX was Void due to not being processed XX/XX/XXXX : Payment Sent XX/XX/XXXX : Scratch responds to my inquiry ( a month later ) with a copy paste of the same email received XX/XX/XXXX - with no further information. 
XX/XX/XXXX : Receive notice account is past due XX/XX/XXXX : Received notification from XXXX  XXXX XXXX, that payment from XX/XX/XXXX was Void due to not being processed XX/XX/XXXX : Sent email to Scratch asking why my payments are not being processed. 
XX/XX/XXXX : Payment Sent XX/XX/XXXX : Scratch updates credit file as " Current '' XX/XX/XXXX : Received response from Scratch pertaining to a PPP Loan, no response to inquiry. 
XX/XX/XXXX : Cancelled Payment for XX/XX/XXXX due to non-response from Scratch ; Amount shown due is {$290.00}, the payments from XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX total {$220.00}. I paid the account bi-weekly and made up any difference with extra payments by the end of the month. 

Through this entire process, I called Scratch at least once every couple of days. They do not call back, I have never reached a person on the phone. I attempted to use the chat as well - no response on chat. I was able to get a copy of the transcript from today where I was in Queue Position 1 for 1.5 hours. The company has not posted any payment sent via Bill Pay since XXXX. They are not on social media, so I am unable to contact them in that way as well to speak about my account and concerns. The information in the Borrowers Portal does not match notices sent. There is 0 % communication available to me as a Borrower to have this concern resolved internally so I have had to resort to reporting their practices to whatever entities I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage went in to foreclosure. My wife passed away and she was handling the mortgage, I thought it was on auto-pay. Immediately on finding that it was in foreclosure, I called Wells and they gave me the total amount due to be current. They said that there was a {$200.00} additional fee that would be assessed but that " may '' be waived given my circumstances. I paid right around {$10000.00} to come current and expected to deal with them on the additional {$200.00}. I got a call today saying that I now owed over {$3000.00} for a payment {$1500.00} for the payment, the {$200.00} late fee and an additional {$1300.00} which no one was able to explain. This is the first I heard of this {$1300.00} and asked for an explanation. I spoke with three different people and still, no one knew. They each took my email address as they were sending notifications to my deceased spouse. I had previously changed the email address but they continued to send it to her account, which I do not have access to. 

They said that they would mail me a letter and I asked for it to be emailed, apparently this isn't something they do as they were reluctant to do so and said that they would put in a request. 

I need the information emailed as I am not home enough to check the mail and want to get the issue resolved. 

I am very concerned about this additional {$1300.00} that wasn't discussed before and am even more concerned that no one was able to tell me what this was for. 

With their vague information about what the {$1300.00} is for and their inability to provide clarification, although they wanted me to pay it, I feel they are trying to take advantage of my situation and are being predatory.

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 monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: FL
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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 2018-09-01
Company: Credit Karma, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have never received a loan before by any agency, ever in my life. I have never had a credit card and every attempt that I have made to get my financial reports has been denied or seemingly altered. I have tried using credit karma, XXXX, and XXXX, so far with no success. I do not know of the extent of the compromisation of all of my financial involvements and I do not know who is involved or who could have possibly been involved. Today is the first time that I have tried to get any type of information about any compromises with any of my financial involvements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
IAW 15 USC 1692 I sent a Notice and Demand To Validate Debt Claim to LVNV Funding LLC. LVNV signed for this Certified Mail. LVNV Funding LLC did NOT respond within 30 days with the required information to validate that any actual debt exists.

Company response to consumer: Closed with explanation