BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: MD
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 is in regards to report number XXXX from Experian. I submitted a reinvestigation dispute because they have not removed a Bankruptcy from my credit report. They did not fully comply with the FCRA in reinvestigating the report and XXXX. They still have not removed this from my report. They reinvestigate and stated that they received information and stated that the company that reported the information has certified to Experian that the information is accurate. Now, I do have a Memorandum from the United States bankruptcy Court of District of maryland Office of the Clerk stating that the United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Here we find that this investigation was false and misleading and therefore Experian needs to be held accountable for this. I am requesting that the record be permanently deleted from file.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is an account that was never. I've tried several times to have TransUnion remove this from my credit file. As of today it is still showing as a delinquent account. This has hurt my credit score as well as having an effect on me moving forward to seek any loans or new credit cards. Creditor is XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX XXXX XXXX account # XXXX. I would like this removed from my file immediately. 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 explanation
Consumer complaint received 2019-11-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid this account in full in 2016 but Wells Fargo refused to update my credit report reflecting this. I never closed this account as it states on credit report. This account should still be open and active and it should show that the account was paid in full and on time. Well fargo refuses to provide me with the account information.

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 2019-08-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased a hard drive from best but on credit card for {$320.00} late XX/XX/2019. 
Item was returned to store in XXXX XXXX in XXXX with an email receipt. 
Telephone with email was destroyed and was unable to recover email receipt. 
Explained this to credit company and they denied me. They must have a record somewhere.

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: 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:
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 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 explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 explanation
Consumer complaint received 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Charged a late fee of {$29.00} for a shortage of {$3.00}. Shortage was paid same day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed into wiring money on two different occasions in XX/XX/2022 to a bank account under the name XXXX XXXX XXXX acct # XXXXBank of America XXXX routing # XXXX. First transfer {$2000.00} and second {$6000.00}. I have called their fraud department who saw each transaction and was unable to assist in returning money. Told me I had to get a lawyer and subpoena the account. I have tried with my bank XXXX XXXX unsuccessfully. I need assistance is getting my money back. I have been drained mentally thinking about thi scammer who scammed me out of a lot of money.

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 2022-04-10
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, ( Original Creditor : ) # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, about three months after moving out of XXXX XXXX  XXXX apartments  in XXXX I noticed a derogatory remark on my credit report saying I owed {$97.00} in utilities and it had gone into collections. Over the 12 months of living at XXXX XXXX  XXXX apartments, I paid all my rent and other fees on time and was under the impression that nothing else was owed so this came as a shock to me. I contacted XXXX XXXX XXXX apartments and they said they had sent letters to my apartment after I had moved out which would explain why I never got any notice. 

I have also sent letters to National Credit Systems - the creditor for this debt - asking for this derogatory mark to be removed from my credit report once I pay the amount owed but I've heard nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
GM Financial repossessed my XXXX XXXX XXXX on XX/XX/XXXX in New Jersey. It was then transferred to Michigan & titled at the XXXX, MI DMV on XX/XX/XXXX. 
I NEVER received a Notice of Resale Date that is mandated by LAW in New Jersey that would have provided me the option to redeem my vehicle! Since they NEVER mailed me a NOTICE OF RESALE, and are trying to collect the deficiency, I mailed GM Financial, along with all three credit bureaus, a letter of dispute on XX/XX/XXXX via Certified Mail Return Receipt. I requested that GM Financial forward me ALL copies of the legal notices and proof of the Commercially Reasonable manner of the resale, ( since they sold my vehicle at auction for only {$5000.00}, but the buyer resold it for approximately {$16000.00} ). 
I never received the requested information/documents from GM Financial XXXX 
On XX/XX/XXXX, I received a letter from GM Financial, dated XX/XX/XXXX stating that they received my inquiry letter and that additional information was needed, even though I included EVERYTHING that they would require to send me the legal notices requested ( i.e., loan number, my name, address etc. ). 
Then, on XX/XX/XXXX, I received another letter from GM Financial, dated XX/XX/XXXX stating that my recent dispute regarding the credit bureaus reporting of my account has been received and reviewed. For the following reasons we are unable to proceed with your request : NO specific item was requested for investigation and NO supporting documentation was received. They also included information to file a direct dispute, information I ALREADY provided GM Financial!! 
So, on XX/XX/XXXX, I resent my first letter that was dated XX/XX/XXXX and added my phone number and also mailed it to their XXXX XXXX XXXX 
On XX/XX/XXXX, I received another letter from GM Financial dated XX/XX/XXXX, stating to please accept this letter as a formal notification that GM Financial was recently contacted by you in reference to the above listed account. Based on information you provided, the account may have been fraudulently established as a result of identity theft. 
On XX/XX/XXXX, I received the same, exact letter as the letter dated XX/XX/XXXX. This one was dated XX/XX/XXXX. 
On XX/XX/XXXX, I mailed another letter requesting ALL copies of the legal notices and proof of the Commercially Reasonable manner of the resale of my vehicle. The ONLY communication I have received since, has been from GM Financials Bill Collectors! GM Financial is IGNORING my requests for resolution and giving me the run-around BIGTIME, as they did not comply with the mandatory requirement of the resale notice! Additionally, I have ALL my USPS INFORMED delivery copies of mail received from XX/XX/XXXX thru XX/XX/XXXX, which PROVES I NEVER received this notice!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAS HINDER MY REPORT AND I WOULD LIKE THIS OFF MY FILE.

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 2023-04-24
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX again and I demand that the Credit Reporting Agencies take immediate action on this CFPB Complaint. Credit Reporting Agencies better remove all fraudulent accounts and information from my Credit File in compliance with the Fair Credit Reporting Act section 605b. I just got my credit report, and to my disbelief, there are still multiple accounts on there that I did not open nor have any knowledge of. Let me make this crystal clear - these accounts are fraudulent, and they need to go. I need the following accounts removed as soon possible : XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to emphasize that I did not authorize anyone to open these accounts on my behalf. It's pretty obvious that this is a case of identity theft, and I am currently taking measures to report this to the authorities. If the Credit Reporting Agencies have any evidence to suggest that the disputed accounts and information belong to me, I demand that the Credit Reporting Agencies present it to me immediately. I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: VA
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:
Collection Dispute : A leasing company that never reimbursed me for my one month rent deposit is now claiming that I owe them money. They have never sent any bills to me but have placed a collection notice on my file for a bill that doesnt make sense to me. I lived at complex for 2 years with no issue, the 3rd year a new management comes along and terminated lease with several tenants. And now claiming I owe them money and havent reimbursed for my one month rent deposit {$1400.00}. I have successfully disputed the item from XXXX and Experian is giving me difficult removing the item which is affecting my credit rating. I dont know what info the collection agency is furnishing for their attempt to extort money. Please help me remove this incorrect credit report from my Experian account. 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 explanation
Consumer complaint received 2022-01-08
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:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or have express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-04-24
Company: EQUIFAX, INC.
State: TN
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. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXXXXXX XXXX  Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: OH
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:
I have inquiries on my credit report that I am unaware of and would like them to be deleted. 

Experian Business Cred XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-11
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 want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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