BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and have been fighting the removal of personal information and accounts that are fraudulent. Transunion keeps stalling their investigations even though I have sent all required documents and form of identity to support my claims. They are stating that they need to investigate 30 days which is a violating of my consumer rights that protect me from identity theft. 

Pursuant 15 US Code 1681c2 - Block of information resulting from identity theft 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 of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Transunion is not cooperating with my request and is clearly violating my rights! I have attached a conversation that I had as well and the representatives are in understanding that this is a violation but aren't doing anything about it. Below are all my current complaints that have been completely ignored and that have violated my consumer rights stating that identity theft items need to remove within 3 days NOT 30 DAYS if appropriate proof is given, provided identity theft report and identification of personal info which I have COMPLETED. 
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 2022-10-22
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts 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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and have been fighting the removal of personal information and accounts that are fraudulent. Transunion keeps stalling their investigations even though I have sent all required documents and form of identity to support my claims. They are stating that they need to investigate 30 days which is a violating of my consumer rights that protect me from identity theft. 

Pursuant 15 US Code 1681c2 - Block of information resulting from identity theft 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 of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Transunion is not cooperating with my request and is clearly violating my rights! I have attached a conversation that I had as well and the representatives are in understanding that this is a violation but aren't doing anything about it. Below are all my current complaints that have been completely ignored and that have violated my consumer rights stating that identity theft items need to remove within 3 days NOT 30 DAYS if appropriate proof is given, provided identity theft report and identification of personal info which I have COMPLETED. 
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 2023-09-22
Company: EQUIFAX, 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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
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:
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 reports. XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00} and XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$2900.00}. Also, The TransUnion credit bureau is required to authenticate this account. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. Please delete.

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 2019-03-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX set up bill pay with XXXX XXXX for my mortgage at Santander.  Apparently the payment was sent to Santander Consumer division XXXX {$2200.00} was withdrawn from my XXXX checking for my mortgage payment XXXX received late notice from Santander I called XXXX and they told me they would send me proof of payment letter that I could forward on to Santander XXXX sent proof of pmt as instructed to XXXX Attn : Subject line was my mortgage # and attn : XXXX XXXX I got the fee reversed and made my XXXX pmt so I wouldn't be reported to the credit bureau XXXX I called XXXX XXXX spoke with XXXX, transfered me to a supervisor XXXX - response they are working on it should have an answer on XXXX XXXX I ask for another proof of payment for my files from XXXX XXXX called and was told they don't have it and the XXXX XXXX XXXX was mailed to is not theirs and they suggested I put a stop on the check. I explained to them it was an ACH pmt and XXXX  provided them with the reference # and proof of payment. They told me to call XXXX bank XXXX Bank XXXX called XXXX I was on the phone 2 1/2 hours. I asked if he could work on it and call me back but he said they can not may outgoing calls and as soon as I were to hang up he would be on a new call. At first it sounded like they are going to help but the end result is in 3 - 5 days you'll have an answer - NO answer NO money XXXX called again and spoke with someone in the Tech Dept for 45 minutes and it sounded like I was going to be all set. They were going to have their bill pay provider XXXX call Santander and get it resolved and I should see the money in 3 - 5 business days XXXX I called again and spoke with Tech Dept again because they told me to call via a secure message in my online banking. I had to start my story all over from the beginning. It seems that No one individual can help. They got XXXX on the line and conferenced me in with Santander consumer loan division, which is apparently where my payment went. Again No help. XXXX called me back and conferenced in Santander but they would not talk on a recorded line. So someone special had to call me from XXXX on a non recorded line we call XXXX at XXXX ( the number I was calling for 3 months. It was decided that XXXX would send yet another proof of payment and said again you'll be all set in 3 -5 business daysl

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 2023-09-09
Company: EQUIFAX, INC.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
Subject : Urgent Action Required : Identity Theft and Inaccurate Accounts on My Consumer Report ( FTC Report No. XXXX ) Dear Consumer Financial Protection Bureau, I am writing to urgently address a critical matter involving identity theft and inaccuracies on my consumer report. I appreciate your attention to this serious issue and kindly request your immediate intervention to rectify the situation. 

Account Information : XXXX. Account Number ( XXXX XXXX ) : XXXX Reported Date ( XXXX XXXX  ) : XX/XX/XXXX XXXX. Account Number ( XXXX XXXX : XXXX Reported Date XXXX XXXX  ) : XX/XX/XXXX I would like to emphasize that this situation is indeed a case of identity theft, and it has been reported to the Federal Trade Commission ( FTC XXXX XXXX Report No. XXXX. This adds an additional layer of concern to the matter, as my personal and financial information has been compromised. 

In accordance with the Fair Credit Reporting Act ( FCRA ) rule under 15 USC 1681, I am fully aware of my rights as a consumer. The presence of these inaccurate and unauthorized accounts on my credit report has caused significant distress and disruption in various aspects of my life. 

I implore you to undertake a thorough investigation into this matter. The inaccuracies on my consumer report are not only unjust but also a violation of the FCRA guidelines. Given the involvement of identity theft, it is crucial to swiftly address and rectify the issue to prevent any further harm to my financial well-being. 

Enclosed with this message is my FTC Report No. XXXX, which provides detailed information about the identity theft incident. I believe this will be instrumental in your investigation and resolution process. 

I am confident in your ability to bring about a swift and just resolution. Kindly remove these inaccurate accounts from my consumer report with XXXX, taking into consideration the gravity of identity theft and the implications it has on my financial stability. 

Your immediate attention to this matter is greatly appreciated. Please feel free to contact me if you require additional information or documentation to facilitate the resolution process. 

Thank you for your understanding and assistance in this distressing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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.

The letters are stated with items and issues.

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 2017-07-25
Company: Advance Bureau of Collections
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I WAS RENTING APARTMENT AND I PAID FIRST AND LAST MONTH RENT DURING MOVE IN PROCESS AND WAS NOT BEHIND AT THE TIME I MOVED OUT WHICH WAS IN MAY 2015. NOTICED NEW COLLECTION ON MY REPORT IN THE AMOUNT OF XXXX DOLLARS IN OCT 2015 WITHOUT ANY NOTICE.I AM NOT RESPONSIBLE FOR THIS AS I WAS NOT LATE AND ALSO PAID FOR LAST MONTH. THE APARTMENTS WERE XXXX XXXX LOCATED ON XXXX XXXX XXXX XXXX GA XXXX.RENT WAS XXXX.COLLECTION AGENCY IS ADVANCED BUREAU OF COLLECTIONS.I HAVE NO CONTRACT WITH AGENCY BUT THEY Wo n't CHANGE THE AMOUNT TO CORRECT AMOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Interest rate

Complaint:
I got a letter from PNC Bank dated XX/XX/2023 stating that they incorrectly quoted my fixed HELOC interest rate at 8.14 % but it should have been 8.0285 % since the beginning of the loan. When I called and spoke to a representative to ask if this rate was applied for the life of the loan which was established on XX/XX/2023, they told me that I got the lower rate. I was also told the lower rate was applied since the loan was established and I had already received a credit for any overcharged interest. However, when I reviewed my XX/XX/2023 statement, it showed that the higher rate of 8.14 % was still in effect for at least 8 days during the prior month of XXXX and it did not show any credit for previously overcharged interest. How can I be assured that they calculated my rate correctly and applied the lower rate to my account for the full duration of my loan? I would like the CFPB to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly request that you update my account to accurately reflect my payment history.

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 2017-07-25
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
calling on sundays 15 times, noted trying to catch up with them one week paid over 900 $ then two days later trying to strong arm me. im a XXXX veteran, I missed some days of work trying to care for my daughter she was beat robbed and raped, then her mother had a XXXX XXXX .I only behind XXXX $ at this time and bout 4500 more dollars left on this loan .I would like for the phone calls to my sister and me to stop and for them to remove my 30day delquinte charge off my credit report cause if u paying on it then it should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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 XX/XX/XXXX, I requested an investigation of accounts listed on my credit report with tracking number XXXX. Again on XX/XX/XXXX I requested a reinvestigation of accounts listed on my credit report with tracking number XXXX. XXXX XXXX XXXX - XXXX. On XX/XX/XXXX I requested an additional investigation with tracking number XXXX. Additionally on XX/XX/XXXX I provided documentation and a request to the credit reporting agencies via USPS Certified Letters with tracking numbers XXXX, XXXX, and XXXX to remove late payments that should not appear on my credit report. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give any Credit Reporting Agency written instructions to furnish this transaction on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry.

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