BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency

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 2023-05-18
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to Well 's Fargo flak accounts and the ease to create a bank account. i was a victim of mortgage money transfer fraud. I wired about {$180000.00}, as a down payment for mortgage back on XX/XX/XXXX of XXXX. 
Money was transferred to a Well 's Fargo account and then transferred to bitcoin source. 

tried to sue and reported it to XXXX, but had no luck. Just heard a bout of a class action lawsuit against Well 's Fargo and i think its related to the same issue i had.

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 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Since more than 1 year now I triy to stop unwanted emails from Transunion, like this one Dear XXXX, As a benefit of your CreditViewTM Dashboard membership, this is a notification that there have been no reported changes in your credit file ( s ) during the last 30 days. To view a complete history of your credit alerts, log in to your account now. 

This is a FREE benefit of your CreditView Dashboard membership. We will continue to monitor your credit file daily and ensure that you'll always have an up-to-date snapshot view of your credit. 

Your credit score is refreshed monthly. Make sure you go to the CreditView Dashboard every month to check your score and score history. Log in to your account now. 

Thank you for choosing CreditView Dashboard. 

Sincerely, XXXXXXXX XXXX this email came from Transunion : XXXX I am NOT a member of CreditViewTM Dashboard, I do NOT have an account with XXXX!!!! 

I wrote several letters to Transunion, to stop those unwanted mails : TransUnion LLC XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX I never got an answer. 

I can not log into an account to cancel it - because I do not have an account with Transunion!!! I never had!!!! 

I also asked XXXX several times, to stop it : XXXX transfers me to Transunion, Transunion is not reachable for me because they are asking for a 6 digit number which I do not have. 

PLEASE PLEASE STOP IT, otherwise I have to go to a lawyer, I am not interested in the creditscore from Transunion, my accounts are with 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 2023-01-22
Company: Experian Information Solutions Inc.
State: MD
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:
On XXXX XX/XX/XXXX, I requested an investigation of accounts listed on my credit report with tracking number XXXX. In accordance with the Fair Credit Reporting Act 15 USC 1681e, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On XXXX XX/XX/XXXX, I requested a reinvestigation of the accounts listed on my credit report with tracking number XXXX. The company failed to conduct a reinvestigation of accounts XXXX - XXXX XXXX - XXXX. On XXXX XX/XX/XXXX, I informed the company that account XXXX XXXX XXXX XXXX - XXXX was charged off as of XX/XX/XXXX. Since then the accounts have been repeatedly updated as charged-off every month. This is an update in the payment history, which to my understanding, charged-off accounts should NOT include active payment history. Additionally, the following accounts were charged off on XX/XX/XXXX and XX/XX/XXXX respectively and the creditors provided IRS form 1099Cs for each account based on paid settlements XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX The above accounts are associated with income and income is NOT to be reported on consumer credit reports. The company failed to delete the inaccurate accounts showing active payment history for charged-off accounts as well as reporting income accounts. Attached are the requests that were sent to Experian as well as the latest credit report Experian provided, showing that the reinvestigation was not completed, that proof of verification was not provided, and that the above inaccuracies were not deleted.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-11-06
Company: EQUIFAX, INC.
State: NY
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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140000.00}. Please delete these ASAP.

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 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2021, I drafted the attached dispute to TransUnion advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered on XX/XX/2021. Despite this, the incorrect information remains on my credit report more than 30 days later.

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 2023-10-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When I went to school at XXXX XXXX the only federal loans available were under the XXXX program. I applied for debt relief and as part of the XXXX XXXX XXXX lawsuit was granted discharge and a refund for any payments made to the department. The fact that Navient will not refund any of the payments made after a finding by the department is unethical. A class action needs to be filed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: HUNTINGTON NATIONAL BANK, THE
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The previous topics didn't address my issue. My issue is with The Huntington National Bank, XXXX XXXX XXXX XXXXXXXX XXXX OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX. My issue is that my loan statement I receive states partial payment of {$140.00}. I make a full payment each month. The required payment is {$240.00}. I pay more than the scheduled payment. The statement does not include a beginning balance, interest charged, principal payment. It only states partial payment, which is incorrect terminology and Balance as of the date of the statement. I receive my statements online. This is a vehicle loan I received through the dealership. I called customer service and the rep stated well that's all we disclose on the statement. I tried to send a message through the website but I get a CHAT that can not grasp more than a couple of words to describe the issue. I feel that the Bank should be required to disclose a detailed breakdown of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Portfolio recovery. I have disputed numerous times they are unhelpful and dont care about people My information was breached a few times online and they continue to refuse to remove it the process has been very frustrating I lost everything to COVID and Now they are taking my only chance I have left! They took 50 points in one far from me last year! They have no commission or understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: NY
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open 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 XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: CA
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 to the a Fair Reporting Act XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section A States I have a right to privacy.

15 U.S.C 1681 section 604 section 2 It also states a consumer reporting agency can not furnish an account without written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: MO
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 have every one of my credit cards set up on automatic payment so that they are never late because I am trying to build my credit score back up. Since these were all on automatic payment I didn't pay as close attention to them as I do the ones I have to manually log in and pay every month. In XXXX however, I noticed when looking at my XXXX XXXX app that I had been charged a late fee. I didn't see how that was possible since it was coming out of my bank account at the same time every month. So I called XXXX XXXX and was informed that they didn't know why but the account had been taken off of auto pay. I have four cards on there, all on auto pay, I did not authorize it to be stopped. The lady said she could get it started back up, that she didn't know what had happened but once they reported it as late to the credit bureau they had no power to get it changed. She told me She would take the late fee charge off on their end, which she did, but I would need to dispute it with the credit bureau. ( Which I did ). I don't feel that I should be penalized with a bad mark on my credit for something that wasn't my fault. I would really like that derogatory mark taken off please. I am working hard to build my credit back up.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$0.00}

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 explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are incorrect addresses on my credit report along with incorrect places of employment. This is hindering my ability to get employment. Also there is an incorrect last name on 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 explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: MN
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 following credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXXXXXX XXXX  XXXX, XX/XX/2021 and XXXX/XXXX, XX/XX/2021.

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 2021-06-29
Company: EQUIFAX, INC.
State: MN
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 following credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX  XXXX, XX/XX/2021 and XXXX/XXXX, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I paid my credit card via my online bank on XX/XX/20, on XX/XX/20 money received by Capital One credit XX/XX/20 payment is due. On XX/XX/20 Capital One charged {$30.00} for a late payment. Called Capital on on XXXX XXXX and was told payment was there but pending? Got statement for XX/XX/XXXX- XXXX LATE FEE {$30.00}. Payment is not late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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