BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX TRANSUNION ADRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX EMPLOYERS : 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! 

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!

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 2023-03-28
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
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 received a letter from PenFed credit union ; I went online and used the " customer Id '' they gave me. although I do not have this letter now, They accepted my credit app. & said I would be getting an email. my acceptance # was:XXXX. 

I did receive an email requesting I provide my driver 's license, so security card, and income verification. I supplied a front & back of my DL { Texas }, and to satisfy both requirements for income verification as well as social security number I sent my XXXX form XXXX. I in turn at first received an email saying that the photographs were blurry of my driver 's license so I in turn sent a scan version off of my printer. These documents were accepted and I received a confirmation number : XXXX. 

After getting no response for 2 weeks I neglected to follow up. However, checking my credit report as I always do I notice not one inquiry dated XXXX of XX/XX/XXXX, but another hard inquiry for PenFed on XX/XX/XXXX. 
This upset me to no end - being a former collection manager for the XXXX XXXX XXXX XXXX in Texas ; One inquiry is acceptable ; Two inquiries within the same month, from the same " creditor '', is obviously a skip tracer looking for a debtor - which I am not!!!, and which has damaged my credit history! 
I contacted PenFed and gave him my phone number which was entered into their system. The representative took their time and then came back on the phone and said hello hello but he couldn't hear me. I called back in the same thing happened again. I, therefore, check my phone system by calling friends as well as my phone company- it worked perfectly. Then I called PenFed customer service back only to be hung up on this time. 

Knowing the federal law as I do, I just thought I would not stress it even further and wait for the snail mail response. Tomorrow is the deadline according to federal law and I have received nothing. 

So tonight the XXXX of XX/XX/XXXX I call PenFed customer service back. At least this time I got a very nice customer service representative named XXXX. I explained the situation and she also told me there is nothing in their system regarding me!... she put me in touch with XXXX a supervisor. She was quite standoffish-a typical bill collector supervisor response. 

In short : this creditor is not only damaged my credit but has refused to acknowledge my application nor has granted me or spots to my application in violation of federal law..

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 2021-04-02
Company: EQUIFAX, INC.
State: SC
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:
Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : XX/XX/XXXX Account XXXX Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Between XX/XX/2023, and XX/XX/2023, a hard inquiry was put on my credit report TransUnion. inquiry made by XXXXXXXX XXXX XXXX XXXX was added to my credit report. I have neither applied for any new credit nor put in any applications for anything nor given any company permission to make any inquiries regarding my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/18 unable to honor request from Dept Veterans Affairs XXXX pension award benefits exempt from claims of creditors

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 2022-12-22
Company: LD Holdings Group, LLC
State: GA
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:
XXXX XXXX XXXX XXXX caused my mortgage payment at Loan Depot to report 30 days late. The mortgage payment was submitted to Loan Depot within the required time period however, the XXXX XXXX experienced an IT problem that would not allow payment to process from account and was sent back to loan depot as unpaid. That caused a negative report to my credit. A representative from my credit union spoke with LoanDepot representative claiming fault of payment no processing. As requested from LoanDepot, The XXXX XXXX also provided a letter stating fault and provided bank statement showing funds were available in bank account at time payment was sent from LoanDepot for XX/XX/3022 payment. After submitting several disputes to all XXXX credit bureaus and numerous phone calls to loan depot ( and reps from their escalation dept ) and the credit bureaus XXXX loan depot continues to deny m request to remove the 30 days late from credit reports and keeps their decision as No change to XXXX negative 30 days late. XXXX not sure what else to do. Representatives from XXXX XXXX, LoanDepot and the credit bureaus have expressed to me that this should get corrected however, LoanDepot is the only one that can correct the negative report. Please help!! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got 2 mails on XX/XX/2022 with a negative balance, each mail got 2 different bank account numbers, knowing that I didn't open an account, i reached out to the bank over the phone. I was transferred to the fraud department and that was closed. The following day being XXXX, I got a call from the same banking institution staying that an account ending in some numbers mentioned had a negative balance of {$100.00} and that I would need to make a payment. I notified them that again I have no accounts with them, the representative told me that it would need to be paid or it will hurt my credit. I explained that it wasn't me and that I had just closed 2 account in relations to the same issue. I then gent to the bank and the banker told me that the fraud department is looking into it. Before contacting the FTC I then spoke with the banking fraud department. And I as told the account is closed. But since whomever this is has my identity, I would like to take as much precautionary measures as possible to stop this from repeating itself or to someone else. 
I also go a call sometin ago from my then employer stating that someone had submitted an unemployment application even while I was employed with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was never late on the accounts listed below, I have asked for documentation showing proof of transactions showing I was ever late to support their inaccurate reporting on my accounts the failed to show proof but sent me a letter stating they were not going to delete or block the inaccurate information from my credit report. If they can not supply proof, they are to delete the alleged late payments. I am promised accuracy on my report based on federal law. Under 15 USC 1681 all unverified information must be promptly removed. Due to their current coding system error, they can not verify this information and validate it as being accurate. I am one of the many consumers that has been affected by this error. 

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 2019-02-15
Company: Kramer & Frank, P.C.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2019 my husband received 4 letters from Kramer & Frank addressed to him in regards to medical bills from XXXX XXXX XXXX that are in my name and not his. I am the primary on the insurance and he did not sign to be responsible at the time of medical visits. Letters included the following amounts : {$310.00}, {$220.00}, {$490.00}, {$160.00}. My husband is not responsible for the debt, the insurance is mine through my employer, and the FDCPA states that Kramer & Frank can not disclose this information to my husband.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I spoke with the clerk of court and ask her about [ CASE ID XXXX listed from the three credit reporting agencies on my credit report as verified and she informed me that The United States bankruptcy court for the District of Alabama FED BK CT does not provide any information to any credit bureaus or third party. She also told me pursuant to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a debtors social security number along with their full name can be released and in order to obtain a debtors full social security number, a third party must file a motion with the court to unseal documents related to any cases so the reporting was false. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them from the bankruptcy court and not a third party. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness.Please attach the evidence of this bankruptcy to this complaint. This bankruptcy do not belong to me and should not stay on my file for 7 to 10 years this is violation of the FCRA

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-08-06
Company: LEXISNEXIS
State: NJ
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 XX/XX/2023 I discovered various companies illegally reported personal, inaccurate, and private information to banks, and other credit agencies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: National Credit Systems,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: Account status incorrect

Complaint:
For 3 years I've made payments to XXXXXX/XX/XXXX for a rent debt. This XX/XX/XXXX, I was finally able to settle the debt in full with them. Unbeknownst to me, another collection agency- National Credit Systems- was trying to collect the debt ( at the same time ) and reported the debt on my credit in XX/XX/XXXX. The paid debt was reported to the credit bureau and I sent a copy of the receipt to National Credit Systems on XX/XX/XXXX for them to completely remove this from my report as I had been paying Impact on an arrangement and had paid it off completely. XX/XX/XXXX update my credit file to the bureau within a week, but now, almost 2 months later, National Credit Systems is still showing a bad debt on my report. I've called over and over and they say they are updating it and never does, nor are they following up with me. Two creditors collecting the same debt is illegal, to my knowledge. And to report this as a bad debt 2 months after I paid it to the ACTUAL AGENCY HANDLING MY ACCOUNT is bad practice and affecting my ability to move and gain financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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:
Bank of America lowered my credit limit by {$800.00} without notice in XX/XX/2019 and caused my credit rating to drop. 
I am currently paying my credit card balances down to rebuild my credit score and my reward is a lower credit score thanks to Bank of America tampering with my credit limit.

4Q Bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: AMERICAN EXPRESS COMPANY
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
American Express has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Carvana Group, LLC
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: Information belongs to someone else

Complaint:
Someone is using a lost ID and attempting to apply for credit/loans showing up as hard inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Phoenix Financial Services LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection from XXXX XXXX in Florida. Advised Experian and the XXXX XXXX XXXXXXXX XXXX that I have never been to Florida and I live in Oklahoma. Experian has advised that the Collection is valid. I have requested from both Experian and the XXXX XXXX for validation of the debt and have yet to receive any update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear CFPB, For some reason, sometimes my bank " w # lls fargo '' back charges fees., for example today is XX/XX/2023. I go back a few days, I do not see a banking fee charge on XX/XX/2023 as usual., however, tomorrow XX/XX/XXXX, I may go back to the XXXX or XXXX, I may then see the expected charge ( e.g. {$15.00} USD ). 

Wells Fago is located by my usual home residence in the XXXX zip code XXXX XXXX, XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
on XX/XX/2020 I mailed in dispute letters to Equifax, XXXX and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home. Also I am a victim of the Equifax data breach. Its been over 45 days and i have not gotten any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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:
Attempted to open a credit card with XXXX XXXX. XXXX XXXX queried Experian for my credit report. Experian is reporting to XXXX XXXX that my credit is delinquent or on a payment plan. This is wholly in accurate and is not even visible on Experian 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