BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

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 2024-01-11
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 explanation
Consumer complaint received 2024-01-11
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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2021-03-04
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Disputed this information and it was never removed.

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 2023-07-03
Company: Experian Information Solutions Inc.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020, I received a text message from phone number ( XXXX ) XXXX from Capital One stating my credit card was locked and instructing me I had to call that number for it to be unlocked. Unsure of the source of the text my husband and I, who are joint account holders on the account, jointly phoned the number on the back of the card for assistance. A representative stated the account was restricted and until they received identification from an account holder they could reveal no further information. They indicated we would receive an email within 7-10 minutes with a link to follow for further action. We never received the email so called back 30 minutes later and spoke with another representative who did send a link we used to submit a copy of photo identification. Hearing nothing for 24 hours we called back on XX/XX/2020, and provided a case number. At that time we were told that although they were in receipt of the photo identification the account was still restricted, they would try to let us know something within 7-10 days, and if we did not hear anything by then we should call back to see if anyone could share information about the reason for the restricted card. 
On XX/XX/2020 I received a phone call on my home phone from a man named XXXX with the Capital One regarding fraud and our restricted card. I identified myself as a joint account holder but he stated that he could not discuss the matter with me and needed to speak with my husband. I attempted to ascertain why I could not receive information about my account but he refused to provide an answer other than he needed to talk to my husband. I expressed my frustration that as joint owner of the account my expectation and legal rights permit access to the account but he insisted that he needed to speak to my husband. I took the information and before my spouse could call Capital One my cell phone range and it was XXXX looking for my husband. I advised he had reached me, an owner of the account, the same person who received the original message about the restricted account, and the woman he just spoke with. Again, he would not provide any information about my account stating he needed to speak with my husband. 
As an XXXX  I am aware of my rights as an account holder. To be denied access and told information can only be provided to my husband reeks of gender discrimination. I am disappointed and we will be closing all our accounts. 
Please review this conduct and advise Capital One we are no longer in the XX/XX/XXXX.  When joint owners are a married XXXX couple both owners have equal access to their joint account information. As a joint owner on the account I should not be denied access to account while the male joint owner is given access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 confide

ntiality 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 reasonab
le 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 2024-01-11
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:
XXXX begging you please remove this to the 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 explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
Experian said that removed XXXX XXXX XXXX  off my credit report for inaccuracies. Its appearing different across all three bureus. This is not fair and equitable to the consumer. Now the account is reappearing on my reports illegally. This is against the law! Now I am unable to access my credit reports nor get them on the phone. This is against my rights!

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 writing to express my deep concern and frustration regarding the multiple, several, and numerous attempts I have made to remove fraudulent items from my credit report. Despite my persistent efforts, these unauthorized entries continue to negatively impact my creditworthiness and financial standing. 

I have taken the following steps to address this issue : Filed detailed dispute reports through your online dispute resolution system. 
Submitted supporting documentation, such as identity theft reports, police reports, and any other relevant evidence. 
Despite these comprehensive efforts, the fraudulent items remain on my credit report, causing potential harm to my financial reputation and jeopardizing my ability to access credit on fair terms. 

I am formally requesting an urgent and thorough investigation into the fraudulent items mentioned above, and I insist on the immediate removal of these inaccuracies from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects my true financial history. 

Enclosed with this letter are copies of the supporting documents previously submitted, including identity theft reports, police reports, and any correspondence with relevant authorities. I trust that this information will aid in the prompt resolution of this matter. 

I expect a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the removal of the fraudulent items. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XX/XX/2023.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened an account with XXXX XXXX in ~ XXXX XXXX, I was moving over funds from various online accounts and funneling it through XXXX XXXX account into XXXX so as to have my money in one location as well as at a bank with a local branch. My online banks saw the activity as possible fraud and declined payment on the checks already deposited to XXXX. I even spoke with their loan officer about ho I was going to do this and how to best rebuild my credit prior to moving the money. I received an email threatening me with police involvement for " check kiting '' if I did not contact them same business day. I did not see the email until the next day. When I reached out to the bank, the teller was rude, accusatory and threatened me again with the police. I owed a grand total of {$610.00}. I started to scramble to get the cash from my online accounts to make this right, meanwhile, they had the police dig into my bank account, harass me when I told him I was trying to fix the problem. I made a {$200.00} payment on XX/XX/2023, I told them I would get them the rest either as soon as I could resolve my online accounts or my student loan disbursement came in. I had no desire to take advantage of anyone. Again, the police called harassing me about the balance less than a week later. Finally I was able to pay off the remaining {$400.00} on XX/XX/2023. As a matter of fact I made a payment in the amount of {$410.00}. I asked them to CLOSE the account and send me a check for the over-payment. Instead, they reported my account as a charge off of {$400.00} on XX/XX/2023. They list the account as open, but charged off. I have asked them to fix this, to which they said on the phone they would, I have disputed with Transunion, but they never do anything about anything. This was NEVER a charge off, it HAS BEEN paid,

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2019-08-01
Company: WATERSTONE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Mrs. XXXX XXXX, License MLO # XXXX from XXXX XXXX  was the Mortgage Loan Originator for the purchase of my home on XX/XX/2014. 

I didn't have previous experience in the purchase of a home and I entrusted Mrs. XXXX to handle all the documentation for the transaction. 

In her eagerness to close the loan and benefit herself with the commission, Mrs. XXXX offered me the First Time Home Buyer Assistance Program from the Florida Bond. She stated that the could " give '' me {$10000.00} towards down payment and closing costs and that, if I lived the home for 5 years, that debt would be pardoned/waived. 

Of course, it sounded great to me since I am a single mom, going through a separation and a rough financial time, so I took the course, got my certificate and received the assistance. 

5 years will be on XXXX, and I am in the urgent need of buying a second home for my relatives using the equity on my home, so I started contacting the bank who owns my loan now and asking about those $ XXXX, they said that the information received from the Loan Originator, Mrs. XXXX at the time is inaccurate and not true. they said that it was processed as a second mortgage and it would have to be repaid not matter what is done with the property, sale or refinance. 

When I received this information from the bank, I immediately contacted Mrs. XXXX to ask her about this and she admitted that she didn't looked for the accurate information and just told me what she thought it was. 

With this circumstance, I am not able to purchase another property for my family as I so much need since I am XXXX short to be able to buy them a decent home. 

I hold Mrs. XXXX accountable for her mistake of providing me with deceitful and misleading information to use for her convenience, close the loan so she could profit from it. 

I feel that Mrs. XXXX took advantage of my inexperience & circumstances at the time and abused my trust in her to profit herself from it, leaving me with an unexpected and obviously unwanted debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report from your agency and was shocked to discover inaccurate and unauthorized information that is severely impacting my creditworthiness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
Upon thorough examination, I have identified the following fraudulent accounts : 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 I categorically deny any XXXX with the aforementioned accounts, and I request an immediate and aggressive investigation into the matter. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the timely correction of inaccuracies on consumer credit reports, and I expect your bureau to adhere to these regulations with utmost urgency. 
I am fully aware of my rights as a consumer, and I am prepared to take further legal action if my concerns are not addressed promptly. Please treat this matter with the utmost urgency to prevent any further damage to my creditworthiness.

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2024-01-11
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit is being ran at several car places and credit card companies from XXXX until XX/XX/2023. 
I reported my identity theft info to the proper authories but nothing has been done This is hitting my credit hard and Im trying to fix my credit and there are over XXXX inquires from all types of financial banks for car loans that I didnt approve

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