BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 


2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

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 2019-06-18
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Opened an account with Barclay bank U.S.A back in XX/XX/XXXX. I have used the account a few times and paid if the balance as agreed. However, to my surprise the account was closed by the creditor on XX/XX/XXXX, without any notice. Instead I received a letter indicating the account was closed and I was urge to reapply if I still require use of such account. In any case, I took the creditor for his word and reapply for a Barclay bank credit card, however, to my surprise despite my excellent credit history I was turned down. I am not clear why I was turned down since, I am yet to receive a letter from Barclay bank indicating the reason for the denial. However, I feel as if I am being coerced.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-07-10
Company: Auto Loan Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Purchase vehicle In XXXX at the time a credit report was ran car was repoed XXXX and a balance was left after they sold car this company still continues to run my credit profile by submitting inquiries violating my consumer rights they indicated the can not provide me a document that theyre allowed to continue to run my credit unless I pay off my debt or set up a payment arrangement Ive asked them since XXXX to stop running my credit yet they still continue in XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ohio XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2020-04-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent a letter and Ive called 3x to have any and all comments removed along with any pending disputes. The representative told me they would be removed In 3 days. I have a mortgage application pending due to this and I will lose my home and the money Ive already paid. Why do they keep lying to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo Bank and Wells Fargo Dealer Services have committed fraud and stolen several thousands of dollars from me as well as Illegally repossessed a vehicle from me in 2017. I was charged for CPI and CPI interest unknowingly and wrongfully. I was also charged increased interest charges and my monthly payments were miss-appropriated Wells Fargo has also RUINED my credit score I was the victim of fraud and criminal conduct on behalf of Wells Fargo Bank and Wells Fargo Dealer Services and my car illegal repossessed. I was also given no notification on how I could retain my vehicle and it was quickly sold off. 

The amount of money stolen from from CPI and CPI interest as well as other fees and interest charges led to this event. I lost my money, vehicle which led to my credit score being ruined and I lost work as a result of it. The amount of compounding stress this has caused on my life is insurmountable. Losing my vehicle cost me an extreme amount of momentum and opportunity at a very critical time in my life. 


Aside from the mental, emotional and financial losses my personal credit score was ruined and I found myself having a hard time being approved for some apartments down the road, as well as credit products. 

Today, this fraudulent WFDS account is still reporting on my XXXX account and damaging my XXXX score. In fact, so much that I have scores in the XXXX 's and XXXX 's on XXXX and XXXX and yet XXXX 's on XXXX. This unfortunate atrocity has limited my ability to secure business credit at a very critical time in my life being a father to a XXXX XXXX year old boy. 


So much damage has been done in my life as a result of this and its about time this is resolved once and for all There has been a Court order that Wells Fargo Bank make reparations to those they victimized. those in my case are entitled to not less than {$4000.00} but NOT LIMITED TO {$4000.00}. The amount taken from me, cash value and car and residual compounding impact from this event far exceeds that number Wells Fargo has made XXXX attempts to contact me in regards to this matter. I have reached out only to be told someone would get back to me at some distant time in the future.. 


XXXX is 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 2023-04-28
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been harassed by a collection company about a bill I am not aware of with XXXX. I have never had an account with XXXX. Back in XX/XX/XXXX a fraudulent charge from XXXX XXXX on my bank account was refunded to me by the bank. Then a few month later ( in XXXX ), I started seeing a collection on my credit report. When I contacted the collection agency named XXXX XXXX XXXX XXXXXXXX ( back in XXXX ), they wouldn't listen to me and just want me to pay. When I contacted XXXX they told me to either file a complaint or deal with the collection agency as they have no knowledge of the charge and didn't have any information about the account. I filed a complaint in XXXX and thought it was resolved. Then in XX/XX/XXXX, it's another collection company that reported the same amount on my credit report. I tried to call that new collection agency again to know more about the collection, but they too didn't want to hear anything but get paid. The reports from both collection agencies have hurt my credit score very bad. I have no knowledge of this account as I never had a XXXX account in my life ; therefore, I never owed them anything. I want this collection out of 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 2023-11-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian has decided to not update my XXXX XXXX  XXXX  XXXX  account, which has caused me harm. 

I paid off my XXXX XXXX  XXXX  balance of {$390.00} on XX/XX/. XXXX XXXX  informed me they reported a XXXX balance to Experian, XXXX and XXXX on XX/XX/. XXXX and XXXX updated this balance on XX/XX/, however and suspiciously Experian has not as of XX/XX/. 
I am requesting for Experian to confirm they did get the Update XXXX XXXX  provided them on XX/XX/XXXX  and explain to me why that account has not been updated as reported. 
Through my research, it seems Experian stalls the reporting of accounts which show a positive update in order to keep my score lower. This practice benefits the financial industry so they can charge me higher rates. 
I have printed out examples of this practice over the last 12 months.

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 2023-09-14
Company: Lockhart, Morris & Montgomery Inc.
State: LA
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:
Someone has taken my identity and I guess you would call it fraud XXXX, {$1400.00}, by consumer XXXX associated XXXX XXXX XXXX another one on XXXX XXXX {$2600.00} by XXXX XXXX & XXXX XXXX XXXX XXXX XXXX by XXXX, XXXX, XXXX with XXXX XXXX XXXX XXXX {$770.00} on XX/XX/23 and I was incarcerated from XXXX came home XXXX and I never heard of these companies and I wanted to get this straightened out because the only reason how I found out about it because I almost got scammed by a loan company claiming to be this loan agency but when they ask me to go get a gift card I called the real loan company and they told me it was fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-03-04
Company: Certified Services, 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: Old information reappears or never goes away

Complaint:
Hello, I had a XXXX  appointment at XXXX XXXX 5 years ago which recently went to collections. I specifically did not authorize this XXXX  to perform any work which was not covered by insurance, and I did not agree to be charged any finance charges. It was initially a small amount which I attempted to negotiate but it quickly ballooned with finance charges and became unreasonable. I disputed this with XXXX and they denied my dispute. I spoke to the company certified services inc regarding the {$1400.00} charge and they did not agree to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
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: Didn't receive services that were advertised

Complaint:
THIS IS I REGARDS TO PREVIOUS COMPLAINT # XXXX CFPB CLOSED THE COMPLAINT BUT WHY? IT IS NOT COMPLETE. This is actually my fourth OR fifth dispute about this. I seriously want CFPB to look at the way Transunion/XXXX XXXX is handling my credit file. THEY ARE MISHANDLING IT. I called transunion yesterday and had to start ANOTHER DISPUTE FOR THIS XXXX wound up speaking to an English Speaking Rep named XXXX file number with Transunion is # XXXX. She told me that XXXX XXXX is " UPDATING BITS AND PIECES OF INFORMATION ABOUT ME THATS WHY IT STILL ON TRANSUNIONS REPORT. '' I asked " what bits and pieces of information? '' She said LIKE YOUR NAME, ADDRESS PHONENUMBER OR BALANCE. '' Well THAT DOESNT PROVE ANYTHING. I SAID IN MY LAST 4 DISPUTES/COMPLAINTS THAT I WANTED PROOF THAT THE ACCOUNT BELONGED TO ME. PROOF MEANING A COPY OF THE PROMISSARY NOTES/ORIGINAL INSTRUMENT WITH MY NAME ATTACHED I NEVER APPLIED FOR ANY OF THESE LOANS IN MY LIFE. THEY ARE NOT MINE. IF WE GO TO COURT THE JUDGE IS GON NA WANT TO SEE IT OR IM SURE HE WILL DISMISS THE CASE. XXXX AND XXXX BOTH REMOVED ALL 3 XXXX XXXX XXXX XXXX ACCOUNTS XXXX, XXXX & XXXX BC APPARENTLY XXXX XXXX COULD NOT PROVIDE THEM WITH DOCUMENTATION PROVING IT WAS MY ACCOUNT LIKE I ASKED. I THINK TRANSUNION IS MISHANDLING MY FILE AND PUTTING ME AT RISK. THEY ARE VIOLATING MY RIGHTS WHY IS THIS MY FOURTH COMPLAINT???? THIS HAS TAKEN WELL OVER 60 DAYS FROM THE INITIAL COMPLAINT FILED BACK IN XXXX. THEY 'RE GOING TO TRY AND COME BACK AND SAY " THE INFORMATION IS UPDATED '' AGAIN I DONT CARE WHAT THEY UPDATE I CAN CREATE AN ACCOUNT AGAINST SOMEONE RIGHT NOW AND SWEAR THEY OWE ME X AMOUNT OF DOLLARS AND SEND IT TO TRANSUNION AND THEY ARE GOING TO PUT THAT ON THAT PERSON 'S CREDIT FILE AND HERE IT IS THIS PERSON DOESNT OWE ME ANYTHING. I DONT HAVE NOTHING SHOWING THEY DO. NO DOCUMENTATION WITH THE PERSON 'S SIGNATURE STATING THEY APPLIED FOR MY SERVICES OR ANYTHING. I URGE CFPB TO LOOK INTO THE WAY THEY ARE HANDLING MY CREDIT FILE. IMPROPER USE. THIS IS MY LAST COMPLAINT NEXT TIME IM GOING OVER CFPB 'S HEAD.

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 2023-07-26
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: Account status incorrect

Complaint:
I have attached a letter with accounts that have dispute remarks, I would like to have these remarks removed as I am no longer disputing these accounts

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 2023-02-07
Company: Recovery Partners, LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The debt in question was paid by the insurance company ( XXXX ) to the Lean Holder ( XXXX XXXX ). The loan in question is closed. Confirmed by XXXX XXXX and XXXX. The letter from XXXX XXXX XXXX XXXX Recovery Partners appears to be a scam. It is attached below. They are asking for money that is not owed and threatening to turn this information into the DMV to get my driver 's license suspended. They are stating that the balance owed is {$19000.00} and they are willing to settle for {$12000.00}. XXXX XXXX XXXX XXXX Recovery Partners # XXXX # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 want the inquiries deleted on all 3 credit companies it's been years since I really checked my credit report now that I checked it I noticed I have way to much inquiries that was not me authorizing any so that's a problem

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 2022-05-02
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was placed on the COVID-19 forbearance program for 12 months on XX/XX/XXXX. When I called in today on XX/XX/XXXX to extend it until XX/XX/XXXX I was told I could not extend it. Thy verified that the program was 12 months and repeatedly confirmed the start date but said that they could only keep me on the program until XX/XX/XXXX. 

I am currently in the process of acquiring a second job and would have been able to pay the balance by XXXX of XXXX, but now that they will not extend it and I only have 2 weeks to apply and get on another forbearance, the mortgage company has caused me undue hardships that will affect my credit score. 

I would like the mortgage company to keep their contractual obligation to keep me on the covid 19 forbearance for 12 months until XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from TransUnion. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX  ( XXXX ) XXXX XXXX  Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( XXXX ) XXXX XXXX  Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX ( XXXX ) XXXX   XXXX XXXX  Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX  Miscellaneous and public record XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX, MD 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 2023-04-28
Company: FirstPoint Collection Resources
State: PA
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 Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation