BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is an error it does not belong to me : XXXX XXXX Opened XX/XX/2017 ( 4 mos )

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: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 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 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion constantly violates my consumer rights by reporting incomplete information and by illegally updating the Date of Last Activity on a XXXX XXXX account. Transunion continues to re-age this account to reset the statue of limitations in hopes that this account will remain on my credit report longer than the law allows. My previous dispute letter was received on XX/XX/2023 and the tracking # is XXXX. I am attaching my previous letter along with receipts, numerous credit reports showing this illegal re-aging and the correspondence Transunion sent me which is dated XX/XX/2023 stating that Transunion investigated the information I disputed and the disputed information was verified as accurate which is not 100 % accurate because my credit report is still displaying incomplete information as well as illegal updates.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 non-monetary relief
Consumer complaint received 2023-11-25
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.

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 2023-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Capital One bank has changed its Bill Pay system for its checking account and taken away many user-friendly features from previous Bill-Pay system. This new Bill Pay system was forced on the consumer with no opt-in or opt-out option. Furthermore, there was no consumer training, or any prior notice or communications for changes to Bill Pay. This was forced on the consumer by the Capital One bank leaving no choice.

For example, the following features and capabilities were all eliminated with its new Bill Pay system. 

( 1 ) consumer can not see all of their bills in one screen anymore. Each bill needs to be expanded individually wasting more consumer time.

( 2 ) The auto-pay bill interfaces that were established previously were all broken. Bank has put the burden on the consumer to reestablish those interfaces.

( 3 ) Historical bill payment information is lost, hidden or not easily available.

( 4 ) Consumer has to select one-bill at a time to search and pay.

( 5 ) The Bill Pay interface is cumbersome to use and not user-friendly.

Additionally, There is no phone number for live agent on their bank account website to call. There is chatbot available that is useless and provides wrong answers most of the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-07-05
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have XXXX checking accounts with Citibank- one that is my own, and a XXXX checking account with my partner. Initially, when we opened the accounts, we asked the accounts be " unlinked '' so we could have two separate cards. 

I set up two recurring transfers between my individual checking account and the joint account, set to deliver on the XXXX and XXXX on the XXXX of every month, for {$1000.00}. 

But when the accounts were unlinked the transfers were deleted from my online account access. Since XXXX I have not been able to see these future transfers anywhere on my upcoming online " future transfers. '' When I called about this, the citibank representative assured me that the recurring transfers had been canceled because our accounts were unlinked. 

However, the transfers HAVE been pulled from my account, despite my inability to see them. As a result, every two weeks since XXXX I have had an unauthorized transfer pulled from my account. I am unable to manage or cancel these, because they don't show up anywhere on my online account management. 

I have called Citibank multiple times to ask these transfers be discontinued since I am unable to access them on my own : I called on XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I have spoken to multiple supervisors XXXX XXXX, XXXX, XXXX XXXX who assured me the transfers were canceled, however, they continue to be withdrawn from my account. Each time I call, I spend upwards of 30 mnutes on the phone having my account reviewed, each time I am told this is resolved, and every two weeks the issue persists. Each time, the supervisor I have spoken to says " they aren't sure why the issue persists. '' I am at the point of canceling my accounts with citibank just to avoid this issue persisting. I am a new parent on XXXX  leave, so it's difficult to spend long stretches on the phone with them, and because my XXXX leave payments come from different sources at different times, having surprise transfers pulled from my accounts often results in my account becoming overdrawn unless I make sure to check it every XXXX and XXXX. 

On XX/XX/XXXX, I spoke to XXXX, who informed me that the issues has persisted because the former representatives were accessing the wrong platform, and that in fact the transfers were never canceled. He assured me this time they were canceled, however, because this issue has persisted for over 6 weeks, I am skeptical about this and worried that the money will continue to be pulled from my account and this cycle will continue.

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 2022-12-26
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have asked the credit bureau to do a verification on my credit report. They did it and stated everything were accurate on them. However, i did a thorough research myself and find improper inaccuracies on my credit report even tough after they did, their verification. 
In accordance with the Fair Credit Reporting act XXXX  account # XXXX account # XXXX and account # XXXX, has violated my right. 

15 U.S.C 1681 602 A stated 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 2022-10-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] [ XXXX XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXXXXXX : XXXX ] Reason : [ NEED IT REMOVE ASAP ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed that there were multiple addresses recorded on XXXX, XXXX, and TransUnion. My correct address is the one indicated on the billing information I am sending you along with this complaint. There is also a misspelled name entry under TransUnion. I tried sending them letters to request the removal of this incorrect information on my report, but apparently, they are still there as we speak. It has been causing me inconvenience whenever I apply for a bank loan or credit card because the creditors question me about these multiple addresses and employer information that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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: 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 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 XXXXXX/XX/XXXX These negative items are affecting my credit report badly and is hindering me from exploring future credit opportunities. Please delete or remove these items on my behalf. 
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX XXXX XXXX  sold out loan to XXXX XXXX, their loan servicer, bayveiw, was to start servicing after XX/XX/XXXX. Our loan payment was {$280.00}. On XX/XX/XXXX we received a letter from Bayview stating we owed {$860.00}. We didn't. XX/XX/XXXX a letter asking for completed financial statment. Confusing! XX/XX/XXXX letter says we owe {$570.00}, formal demand, notice of default, intent to accelerate! This went on through out XXXX. XX/XX/XXXX XXXX XXXX XXXX a bill collector for bayview, said we owe full amount of loan, {$16000.00}, or foreclosure. XXXX we received a money order back, {$600.00}, that payment put us over what we owed!! I did not understand, we received letters from Bayview several times a month, every month! They put us in foreclosure court, we answered. We filed modification, they foreclosed! The same thing through modification. Then second chance. I mean, we couldn't get a break from them. They couldn't even do automatic withdrawal. I sent a complaint, answer, XX/XX/XXXX, and still no reply what they are doing. My wife is on meds for XXXX and XXXX, and I am pulling my hair out. Not many problems until Bayview took over. We took out the loan in XXXX, 15 year loan for {$25000.00}, with interest and loan costs, almost {$52000.00}. 11.3 % interest, don't want to lose our home to these incompetent home stealers, I'm XXXX, my wife is having XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to formally report retaliation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX in response to my initial complaint filed against them. It appears that they have manipulated my credit collection balance negatively as a form of reprisal. This has also decreased my credit score. They claim they are working on this issue but clearly are not. I urge the Consumer Financial Protection Bureau to investigate this matter promptly, as it not only undermines the accuracy of my credit report but also raises concerns about the fair treatment of consumers in this process. 

Attached, please find supporting documents for your reference. 

Also, this company has reported the same debt under different " doing business as '' ( DBA ) names on my credit reports. This practice creates confusion and inaccuracies, violating fair credit reporting rules. Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address this retaliation by 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-01-07
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:
I am not liable for this debt with XXXX XXXX for {$2600.00}. I do not have a contract with XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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