BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2022 I submitted the request through Transunion 's online option to remove the fraud alert. I provided a copy of my driver 's license and a copy of a recent utility bill. I tried accessing my account on XX/XX/2022 and received a suspended message. As of today XX/XX/2022, it has still not be removed. I tried to access my account online and it shows my account has been suspended ; therefore, I do not have access to any of my information. This morning, XX/XX/2022, I called and spoke with XXXX  ( ID # XXXX ), she told me she could not assist with resetting my online account or removing the fraud alert and suggested I speak with the Fraud dept. I was transferred to XXXX, who stated I should be able to do it online. I stressed to her that I can't even access my account right now. She said it shows that I have access to my account and continued to tell me how to do it online. I let her that I can not access my account online and can not make any changes/updates. XXXX insists I should be able to do it myself online. I then demanded the removal of the fraud alert immediately. For starters, the phone number provided in the alert is incorrect. I have no affiliation to the number listed for lenders to call and so that I can begin applying to lenders w/o this being an issue. She said she couldn't remove it and provided an " escalated fraud '' telephone number for me to call XXXX for assistance. This number takes me back to the main line where I received the run around again. 

I've attached a copy of the webpage I see when I attempt to login that the representatives from Transunion claim is not there and the email I received on XX/XX/2022 when I first tried to access my 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 non-monetary relief
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2022

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 2023-04-14
Company: EQUIFAX, INC.
State: FL
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:
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. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
-On XX/XX/XXXX I received an email from my credit card monitoring service regarding a new inquiry on my credit report. 
-On XX/XX/XXXX I called my credit card company to inquire about the message I received. 
Per the representative at my credit card company I learned that Capital One was the company that made the inquiry. I was given a case # and a time frame of when to expect a return call from my credit cards Fraud department. 
-On XX/XX/XXXX I received a call back from my credit cards Fraud department where I was informed that my name, social security number and home address were used to apply for a credit card. The phone number that was used on the credit card application is an unrecognized number and the address information didnt include my specific unit number. 
-Capital One was contacted and they stated that the credit card application was approved. Capital One frauds department cancelled the credit card and started an investigation into the matter. No activity was seen on the card to date. Results of the investigation are now pending. 
-In addition, my credit card fraud representative put a 1yr fraud alert on my account as well as a security freeze. I was also provided information on how to ensure : 1.All 3 major credit bureaus have been notified and proper security measures have been put in place. 
2. Where and how to report the fraudulent application to the FTC.

3. Follow up steps to extend the 1yr temporary fraud alert to 7 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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:
On XX/XX/2021 I sent a letter to XXXX, XXXX, and Transunion regarding unknown and inaccurate things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be removed promptly. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. My personal information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports. I have requested contracts from creditors containing my signature and have not received anything. 

Upgrade sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency. If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

XXXX : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX Inquiries : XXXX MORTGAGE XXXX XXXX XXXX XXXX : Accounts opened as a result of Identity Theft : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : Inaccurate spelling of my name. I have never been known by the following names : XXXX XXXXn, XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX UPGRADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-18
Company: WAKEFIELD & ASSOCIATES, INC.
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: Reporting company used your report improperly

Complaint:
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

15 U.S. Code 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 In acceance with the fair credit Reporting 46 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2800.00} Status Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX  AddressXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXX  XXXX XXXX AddressXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX AddressXXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX Request OriginatorXXXX XXXXXXXX XXXX XXXX DateXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX WAKEFIELD & ASSOCIATES Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, GA XXXX {$460.00} XXXX XXXX XXXX Status Voluntary Repossession Status updated XX/XX/XXXX Past due amount {$17000.00} Original balance {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have never had any Wells Fargo credit cards & getting phone calls for 5+ years from XXXX & recently, since XXXX, messages for a " XXXX XXXX XXXX & been in Wisconsin since XX/XX/1995 & never known any XXXX! 

I changed my cell phone number 4 years ago or so to XXXX & phone calls followed me to this number! 

I sure won't change my phone number anymore. 

I registered my number on the donotcall.gov list once a year for at least 5 years & spoke with them on the phone quite a few times. 

I might have to call the XXXX Police Department to file a complaint.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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. Account name : Account Name XXXX XXXX XXXX # XXXX {$410.00} Account name : XXXX XXXX {$520.00} 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 2023-01-04
Company: Experian Information Solutions Inc.
State: LA
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:
Hello, My name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavit. Please delete the items 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 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
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 {$790.00} Original XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX reference 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX/XXXX  XXXX XXXX/DEPT OF ED  XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 2020-03-18
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received notice on XX/XX/2020 that our loan was being transferred from XXXX XXXX XXXX, our initial loan company, to LoanCare, who had purchased the loan. In the paperwork that was sent, there was two parts that were concerning and needed further explanation. 

-- We were responsible to change the autopayment plan ourselves. 

-- We needed to arrange this payment plan with our bank. 

-- It would take time to process the payment plan, and therefore, to avoid missing a payment, the first months payment needed to be mailed. 

No further explanation was provided. When we attempted to contact LoanCare, we used three different phone numbers, all of which were automated systems. When attempting to reach a human being through these systems, the phone system would repeat the same message over and over, never reaching a human being. 

We mailed our first month check to the address provided as instructed to do on XX/XX/XXXX. The check was for the amount we were instructed to pay On XX/XX/2020, the check we sent was cashed, but an amount lower than the check value was withdrawn from our account. 

On XX/XX/XXXX, we received an email that the automatic payment would be withdrawn from the bank account and that it might be delayed. 

On XX/XX/2020, the automatic mortgage payment was automatically withdrawn from our bank account, despite being told we were responsible to set it up and that it would be delayed. 

After each of the previous mentioned dates, we again attempted to remedy the situation through sending an email, and again attempting to contact someone at the company over the phone, with the same results. 

All of the things we experiencedthe double payment, the inability to receive service, the lack of communication or remedyis all documented by many other people this month on XXXX. Our property is not the only one that underwent this experience. 

We would appreciate assistance. This has the appearance of fraud, especially since it is occurring multiple times to several other individuals.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 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 non-monetary relief
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Two closed accounts that never seam to go away. They were from XXXX of XXXX and XXXX of XXXX. They are still having a negative impact on my report. 
XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: MI
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 have a XXXX credit card whom seems to have no policy towards dates they report to the credit bureaus. In a previous conversation I was informed XXXX bank reports to the credit bureaus on the closing date of each months billing statement. This would be consistent with Bank policies across the board. This information is also part of the consumer agreement and contract. My XXXX billing cycle ends on XX/XX/XXXX. However, XXXX reported the balance to the credit bureaus on XX/XX/XXXX, according to Experian and XXXX. WHY? 
I am in the process to purchasing a house and obtaining a mortgage in XXXX of XXXX. Therefore I have a goal to pay off all my cards and it is important to know when each reports to the credit bureaus. 
Therefore, I am requesting XXXX bank to provide me with their policy and the expected date my account is reported to the credit bureaus each month. Example ; is it the due date, the date the billing cycle ends or some other date each month. 

* I am also requesting a copy of the AUD XXXX furnished to the credit Bureaus for the month of XX/XX/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