BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sold my car to XXXX on XX/XX/2021 & someone ran my credit for a vehicle in which i had no interest in buying, the very next day w/o my consent ... and shortly there after i had a brief interest in purchasing an ( electric vehicle ) i.e. ( XXXX ) and my credit report was ran on numerous occasions by ( vroom ) w/o my consent over and over on every occasion that i had called in to inquire about a vehicle including not being told that i was approved for a loan with lower down payment, only to have my credit ran again for a higher down payment. while speaking to a representative and giving him my social security number to retrieve my account information he deliberately ran my XXXX XXXX to two minutes prior to closing and was adamant that he did not run my credit and disconnected the call shortly after that, i had received an alert during the conversation that my report was ran by this company and i have screen shots from my device to show the time of the call and the alert to be in synch. 

ditto for ( XXXX ) changing the down payment amount after continueously emailing me with dates to pickup a particular vehicle ( XXXX XXXX electric vehicle ) ... all three ( 3 ) of the companies listed continued to engage in illegal and fraudulent practices that have damaged my credit rating with over thirty inquiries within a two to three week span. 

this is unprecedented.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: NC
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:
Dear Sir/Madam Good afternoon, I buy the XXXX XXXX XXXX on XX/XX/2022 through XXXX XXXX XXXX XXXX XXXX sold this auto loan to XXXX XXXX  and we don't know about this, we don't know where to pay who to pay and on XX/XX/2022 XXXX reported to credit bureaus as a 30 day late payment, because of this my credit score fallen to XXXX from XXXX, today my mortgage loan officer called me he said he can not approve my loan if this issue not got fixed, I have called XXXX XXXX  and I explained the situation why the first payment was not made, XXXX XXXX  person asked to raise the dispute with credit bureau and when credit bureau reaches to XXXX XXXX  for explanation they can take care.

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 2021-09-28
Company: Southwest Credit Systems, L.P.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few months back I sent out a debt validation letter and this collection was removed from my report and now it is back it keeps getting removed and added back with different debt collectors. This is not my debt and I ask that it be removed and not put back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax has hard inquiries on my consumer credit file in violation of the law. I filed a complaint with the CFPB and Equifax did not address my complaint at all. Their response was vague and did not provide their next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Experian Information Solutions Inc.
State: TN
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 previously had an auto loan with XXXX XXXX which began XXXX XXXX. This auto loan was paid off in XXXX of 2021. 
Also, in XXXX I requested on a recorded call for XXXX to have all late payment ( s ) removed from my credit report, XXXX agreed on this phone call that these changes will be made. XXXX made updates but failed to remove ALL late payments from my credit report as agreed. 
I called XXXX twice a week from XXXX to XX/XX/2021 checking the status of the removal of these late payments each time they confirmed our agreement and told me it was still in process. 
As of XX/XX/2021, XXXX have yet to remove ALL late payments from my credit report as agreed. I am simply requesting XXXX to please remove these late payments as soon as possible.

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 2023-11-20
Company: WELLS FARGO & COMPANY
State: NY
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:
A registered deliver of security was tendered with special endorsements for the principle account ( investor ) for satisfaction and discharge as well as cancellation pursuant to article X1 in the base indentures for the issuer and registrar. I am giving notice of instructions to fulfill your fiduciary duties pursuant to article V1 section 7.01 of the base trust indenture and also communicate within 15 days giving reason of non performance of fiduciary duties per the trust indenture Act of 1939 and the securities Act of 1933. My UCC11 search also shows no liens as it was release after 21 days by the previous Note holder as the Prom Note was sold to Wells Fargo and Company for servicing a servicer can not collect payments. I was suppose to receive a XXXX XXXX at the start of the contract I never did 16 CFR 4331 stop braking the law. Ucc 3-603 tells us a debt can not be paid with a debt. And Ucc 3-604 tells us if the negotiable instrument was returned or destroyed the debt is discharged.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues. 

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 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 2023-08-30
Company: Experian Information Solutions 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 protested consumer rights to privacy and confidentially under 15 U.S.C 1681. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections {$3900.00} 15 U.S.C 1681 Section 602A states I have the right to privacy. 
! 6 U.S.C. 1681 Section 604A 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 reporting by more than 7 years. 
15 U.S.C 1681 s-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 explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: GA
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 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 2018-12-11
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To Whom It Might Concern : I have a complaint against Discover Bank, located in XXXX XXXX XXXX at Utah. 
-- -- -- -- -- -- - Short History -- -- -- -- -- -- -- -- -- -- -- -- - 1. My name is XXXX XXXX You can reach me at ( XXXX ) XXXX. 
2. On XX/XX/XXXX and XX/XX/2018, i made a mistake. I issued an ACH transfer twice, and each time an amount of {$1100.00} was subtracted from my checking account at Discover Bank to pay my Visa credit card balance at XXXX XXXX XXXX. 
3. As the 2nd time of withdrawal, my account was bounced. Insufficient fee of < $ XXXX> was charged on XX/XX/18 and an amount of {$1100.00} was returned to my account on the same date ( Of course! ) -- -- -- -- -- -- - Important information below -- -- -- -- -- -- -- -- 4. On XX/XX/2018, without my request, Discover went out and debited the same amount of {$1100.00} from my checking account in attempt to pay my credit card at XXXX XXXX XXXX FOR THE 3rd TIME!!!!!. Note : The payment has NEVER taken place ....!!! because that there was NOT enough money in the account, ( that would result with a balance of < $ XXXX>. Please see attachment ) 5. On this date, There were 2 systematic errors : 1st error : the NSF has never recorded. 2nd error : It should reimburse me back the money of {$1100.00} that it took away from my checking account. 
6. So on XX/XX/2018. I called in, asked them why trying to pay a 3rd time, and I disputed the amount of {$1100.00}. 
7. So, The dispute went on investigation. And amazingly, Discover said the transfer made on XX/XX/2018 was VALID. So on XX/XX/XXXX, Discover came back and took back the disputed amount of {$1100.00}!!!! 

XX/XX/XXXX, I called XXXX XXXX XXXX to make sure and have them verified that they never received any money from Discover any time on or after XX/XX/2018! The trace that Discover people gave me was XXXX that was for the transfer on XX/XX/XXXX indeed! 

To DISCOVER BANK : If their investigation was GOOD by saying the transfer on XX/XX/XXXX was valid. What is its VALID trace ID? 
and where the money went after it got debited from my checking account? 

Finally, on XX/XX/2018. A rep at XXXX XXXX XXXX ( Mr XXXX at Illinois ) set up a conference call and we talked to two reps at Discover Bank ( XXXX and XXXX @ XXXX XXXX XXXX ). On the phone, XXXX XXXX verified that they did NOT receive any money from Discover on or after XX/XX/2018. Discover now back to investigation again! XXXX # XXXX Discover bank has been taking 2 months to investigate. That transfer from Discover to XXXX XXXX has never taken place! So, Return the money to me! 

Please help me to recover my money from Discover Bank. I appreciate your intervention and your help! 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2019- The debt agency has been reaching out to my contacts multiple times a day, being really disrespectful, yelling at them and leaving mean messages. 
XX/XX/2019- i contacted the agency, questioned why was i never contacted directly, but instead reaching out to my references first. My references have advised me of the contact, i contact the agency directly. And the rep by the name of XXXX was super rude and threatening to file a law suit and even send " documents '' to my place of employment. 
XX/XX/2019- the repeated calls still continued early mornings to my references. I contacted the agency, and she basically advised me that she has no control of how many times this " third party company '' can stop calling. She refused to send me a attempt to collect a debt letter or anything in writing for that matter. And also refused to tell me who is this agency that keeps reaching out to my references multiple times a day. She told me that IF and when i did recieve documents that it would be too late for me to settle my debt. That at that time i would have to settle in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Experian Information Solutions 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 have contacted Experian several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Experian several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report XXXX, I've called Experian and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX  XXXX XXXX account XXXX {$40.00}, XXXX, account XXXX {$2900.00}, account XXXX {$6900.00}, account XXXX {$3400.00}, account XXXX {$7100.00}. I have even sent copies from XXXX & Experian showing that they deleted items that Experian keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
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: Personal information incorrect

Complaint:
Sent notice with instructions through certified mail # XXXX XXXX XXXX XXXX XXXX dated XX/XX/23 to correct inaccuracies on personal information in consumer report and delete inaccuracies immediately. 

Consider this a final notice to your offices. I would gladly present this as my evidence of my trying to rectify the situation by notifying the cfbp. I will take necessary remedies for your willingly and willfully non-compliance with federal law.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 
XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX specific XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank - Installment Loans XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX Automobile Dealers, XXXX XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX XXXXXXXX XXXX Tenant Screeners ( Reseller ) XX/XX/XXXX XXXX XXXX XXXX  personal XX/XX/XXXX TransUnion XXXX XXXX  XXXXXXXX XXXX and XXXX XXXX XXXX  XX/XX/XXXX TransUnion

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 2020-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 had made several attempts to write to XXXX, XXXX, XXXX  also Bank of America. I have attached my police report and FTC report along side with my identity information. The creditors is still reporting the Fraudulent information on my credit. This information been on my credit report for the pass 6 months now. 

Bank Of America Account # XXXX Bal {$5300.00} XXXX XXXX  BAL {$890.00}

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 explanation