BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TODAYS DATE:XX/XX/2017 XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL 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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 2019-05-07
Company: EQUIFAX, 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:
There are two collections on my file from XXXX XXXX XXXX ( Account numbers XXXX and XXXX ) these are from a medical laboratory. I contacted the lab and they agreed that these did not belong to me. They said they would call them back from the collection agency and remove them from my file. This was the first of XXXX. 

I disputed these with all three bureaus and not only did they leave them on my file but they updated them again for an additional month. 

This is a violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed these unauthorized inquiries months ago, however, the credit agencies investigation came back verified. Now I'm requesting the Method Of Verification, who verified these inquiries, and I'm requesting the physical documentation of verification or as stated in the FCRA, if not then these following inquires shall be blocked/ removed. 

1 ) XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX  ( XX/XX/XXXX ) 8 ) XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX) 10 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX ) 16 ) XXXX ( XX/XX/XXXX ) 17 ) XXXX XXXX ( XX/XX/XXXX ) 18 ) XXXX XXXX ( XX/XX/XXXX ) 19 ) XXXX  ( XX/XX/XXXX ) ( XX/XX/XXXX ) 20 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 21 ) XXXX XXXX ( XX/XX/XXXX ) 22 ) 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 2018-09-06
Company: Experian Information Solutions Inc.
State: NV
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:
I submitted a dispute to Experian about a bankruptcy public record in XX/XX/2018. They verified that a ( Company ) verified the information is accurate. Then, I sent a method of verification per FCRA 611 in XXXX. Experian basically sent the same ( XXXX ) generated response as the first. They are supposed to send me how they verified the info in 14 days. They are now violating the FCRA. They keep saying a Company verified but never say which company. The court has already said in writing they did not communicate with Experian. So, how did they verify??? If they verified with Pacer that is not the furnisher data. The furnisher of the data has to be the court they report on my credit report. Pacer or XXXX XXXX is not the original furnisher of data. I have proof they did not provide the method of verification.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I disputed the reports below with Experian. 

XXXX. XXXX Account XXXX XXXX XXXX - Account ; XXXX XXXX - Account ; XXXX I informed Experian that I would like to dispute the reports from these companies. I asked to be sent PROOF of my physical signature. I do not consent to Esign. These companies sent a bill. I asked for the reports to be validated with all three companies and to provide me with copies associated with each account, bearing my physical signature. I asked that in the absence of any such documentation that they immediately delete the reports from my credit file. They allow the companies to send me billing statements. Sending billing statements does not show proof of ownership. Experian 's method of verification is not fair to me or others.

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 2017-04-10
Company: Fay Servicing, LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a R.E.S.P.A. sent out through a third party using certified mail to the servicing company and asked that if they are not the proper person to answer the request that they please forward to the correct party and inform me. I also sent a letter certified mail, informing the Trustee company that I had sent out a qualified R.E.S.P.A. I have not gotten the proper responce with the information that I requested. While I do not wish to avoid settlement of any lawful debt, it is both my duty and right to insure the proper party and the accuracy of the debt. While I was XXXX, I was in good standing with my mortgage. After collecting information from my wife, we were told that I qualified for a loan modification. When I found that the process they were going to use was to first get me in a default status, my wife requested that we just go back to the terms of the original loan. From that point, no matter what I did, the loan was never back in good standings. I am requesting the information because I want to keep my home. The only letter I have received from the company in regards to the R.E.S.P.A. is a letter acknowledging that they have received my request. That was sent to an old address that arrived a month or more after they sent it out in XX/XX/2017 and did not include anything I requested nor was it to the third party address as I requested. I requested that they stop the foreclosure process until this is resolved and they still threaten to foreclose soon. They have ignored my rights under SCRA as an XXXX soldier with this process they have taken to foreclose on my families home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions 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:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account 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 2022-04-05
Company: Experian Information Solutions Inc.
State: IA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX 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 2023-09-06
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been depositing this reoccurring checks from my employer for about 3 to 4 months now. I have a loan through this institution of about XXXX. I have been making on-time payments to my loan Ive been a member with the company for roughly 6 months to a year. After relay my current situation I was told by XXXX on XX/XX/XXXX at XXXX XXXX  that my funds would be accessible by XXXX XXXX  XX/XX/XXXX. By XXXX XXXX  XX/XX/XXXX my phones were still unavailable. ALL of them leaving me to contain to wallow in a residence that does not have any power. XXXX XXXX claims no search conversation happened. I need to file a report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. 

I have sent several letters to TransUnion requesting an investigation. Under FCRA, I have the right as a consumer to request and receive a proper investigation. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, as a consumer, I have a right to an accurate credit reporting. I am afraid that TransUnion has not done so as I have received several stall letters and notification. that my information has been " Verified '' instead of " Updated '' as I have requested several times. I have been seeking a proper investigation and update to " PAID AS AGREED '' of the accounts in question for 4 months now, and it has left me no choice BUT to file a complaint with the CFPB. 

There are 2 accounts in question that I requested an investigation and Late Payment Update to those accounts : XXXX XXXX - 30 days late. 
XXXX XXXX - 30 days late In XX/XX/2023, I requested an investigation as I noticed inaccurate information. 
On XX/XX/2023, I received correspondence from TransUnion stating these accounts are reporting accurately- which they are not. 

I sent another letter XX/XX/2023 stating that TransUnion are violating a few of my consumer rights. During the time of these late payments, this was during XXXX which is a result of a billing error. According to 1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act states that this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. I provided this information and in response, I received that the information on my credit report is accurate when it is inaccurate. My consumer rights have been continuously violated for the past 3 months with no resolution. 

On XX/XX/2023, I receive correspondence from TransUnion stating that I am working with a third party, such as a credit repair company which is completely false as I am working my own credit. This is the 3rd stall tactic I have received and this has left me no choice, but to file a complaint. In response, I would like the following accounts to be updated to PAID AS AGREED. 

Please update the following accounts to " PAID AS AGREED '' XXXX XXXX - 30 days late XXXX XXXX - 30 days late

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 2023-05-02
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo charged me so many unnecessary fees and opened and closed so many accounts with out my knowledge that I finally gave up and moved to XXXX. They have my old address so I may have been sent notification but I moved. I know I still have bank statements showing their wrong doing CONSTANTLY! Will work on finding old statements now

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My identity was stolen in XXXX and XXXX. I contacted upon discovering that online purchases had been made, but not by me or with my consent. The XXXX XXXXXXXX stated that there was nothing that they could do to help me. I called consumer reporting agencies also known as the credit bureaus. I was passed around from agent to agent. No resolution was reached. The fraudulent accounts were eventually removed from my reports. However, upon attempting to purchase a home. I discovered that accounts have reappeared on my consumer reports. I need this information removed permanently.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$27000.00}XXXX XXXX XXXX XXXX Balance : {$400.00}

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 non-monetary relief
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Block, Inc.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
n order was placed on XX/XX/XXXX for XXXX to XXXX plus funds were withdrawn immediately and sent to XXXX, a month later XX/XX/XXXX, we got a notification that the order payment had " updated ''. Another XXXX was removed from my balance, we called cash app who admitted to being able to see the charge for {$1700.00}, at first they said that due to a system glitch in which funds were wrongfully refunded, which I would accept, but {$1700.00} was missing from my account in total. I argued against it and was told to contact the merchant ( XXXX ) as they authorized the payment. XXXX billing department does not see the charge for {$1700.00}, they see the transaction that poated originally on the XXXX, as expected. I can not see the charge in my transaction history, either. Cash app is the only one able to see the charge and they refuse to provide photographic eveidence of said charge so that i can dispute it with them. i have been talked down to, hung up on and had lots of calls transfered but nobody can provide a single thing i'm asking for, they are withholding my financial statements/history, ad money that is rightfully mine. CashApp has made such a mess of this situation, that the charge appears on my side, in my transaction history, 31 times, yet I am unable to see the original charge of the order for {$1700.00}. I have documentation and record of the original order price, as well as record of a cashapp employee explaining the {$1700.00} dollar charge taking place across 3 seperate dates on and between XXXX XXXX XXXX, as well as that same employee admitting there was no refund in the same statement as the breakdown of the charge.

Company response to consumer: Closed with explanation