BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020, I contacted all 3 credit reporting agencies in writing, via USPS Certified Mail, and informed them that I have recently become aware that I have been a victim of IDENTITY THEFT and provided them with a copy of my Police Report, Identity Theft

Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605B, by blocking the information that I have detailed to them that was fraudulent on my credit file. To date, neither of the 3 credit reporting agencies have taken my situation seriously and have treated it as a routine dispute. FCRA Section 605B states : 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.

According to USPS Certified Mail Tracking Information, Transunion  received their package containing all of the above required information on XX/XX/2020 ; XXXX  received theirs on XX/XX/2020 ; and XXXX   received theirs on XX/XX/2020. Each one of the Credit Bureaus are in  receipt of the required information, yet they have not acted in accordance with FCRA Section 605B. The bureaus are treating my Identity Theft as a routine account dispute and have not blocked the fraudulent information within the 4 days, as required by FCRA Section 605B.

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 2023-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have attempted to 2 years to get items removed from Equifax report using a confirmation number type directly to my credit file. They will not comply with my request. They are saying they can not locate my credit file. Then how can these fraud debt collectors locate and put fraudulent information in my Equifax credit file? Are they working together? The confirmation number I used that is tied directly to my credit file that they send me is XXXX this is a direct link to my credit file and every dispute I have sent with this number the say they can not locate my file but this creditors can locate my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Transunion has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Transunion. This account was opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the account via FCRA Section 605b . They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account removed from my report ASAP. Here are the names of the data furnishers & the account : XXXX  XXXX Date Opened XX/XX/2018 Balance {$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 non-monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX 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 no consent is fraud.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}

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 non-monetary relief
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: NC
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 pulled my Experian credit report on XX/XX/20 after the sale of my home on XX/XX/20 to ensure my mortgage company XXXX XXXX XXXX ( XXXX ) reported the loan payoff and final payment activity correctly. My credit report showed that XXXX added a delinquent status in XX/XX/2020 indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX   XXXX  that XXXX  received full payment. 

On XX/XX/2020 I sent XXXX  a formal letter requesting they correct their errors on my credit report along with my XX/XX/2020 credit report, closing disclosure from XXXX XXXX XXXX and a copy of my XXXX  billing statement. 

On XX/XX/2020 I received a response from XXXX  stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score XXXX  points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, 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 2021-07-08
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: Investigation took more than 30 days

Complaint:
Hi XXXX XXXXXXXX XXXXXXXX/XXXX/TRANSUNION/CFPB ; It's impossible that this account can ever be marked as investigated as accurate because it continues to report the same incorrect and multiple inaccuracies. See the letters i sent before attached. It's reporting incomplete, inaccurate, misleading, and multiple inaccuracies on my credit report and it's causing this account to illegally re-aged on my credit report. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case Anderson v. Santander Consumer USA et al FILED : JANUARY 3, 2017 2:17-CV-00012 ; Barber v. Santander Consumer USA , Inc . FILED : SEPTEMBER 20, 2017 2:17-CV-01227-CB ; Blakely et al v. Santander Consumer USA , Inc . FILED : JUNE 6, 2018 2:18CV1647 ; Wilson et al. v. Santander Consumer USA , Inc. FILED : JANUARY 13, 2020 4:20-CV-00152-KGB ; ). Therefore, there are so many errors and violations.

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 2020-09-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
TD Bank has been holding {$8700.00} since XX/XX/2020 after having froze all of my accounts, giving me absolutely no access to transact on my accounts and on XX/XX/2020, made the decision to close all of my accounts and return the funds. 

The reason for this was because these particular funds were direct deposited on behalf of my former roommate, who appeared with me in person, verified their identity by showing an NYS State ID, a US Passport, and Documents from the NY Dept of Labor therefore  authenticating their identity and the validity of these funds. 

Despite successful verification, TD Bank called me back after a 3 day review to tell me that they were going to close all of my accounts and return these funds back to where they came from. Prior to this unresolved matter which has now been ongoing for 2 months and 2 weeks, I was told and instructed over the phone by the TD Bank  Fraud Dept to show up in person with the individual who is claiming ownership of these direct deposits, so that they could be verified and the accounts could be brought back to a normal status. 

This account freeze had caused me to suffer the entire month of XX/XX/2020, since my direct deposit comes from the XXXX XXXX XXXX   on every XXXX of the month. TD Bank rejected my monthly direct deposit on XX/XX/2020, which ultimately put me in a situation where I had to wait an additional 3 weeks to receive my monthly benefits, and delayed me accessing my retirement benefits until XX/XX/2020. 

It is now XX/XX/2020, and TD Bank has not returned the funds to the NY Dept of Labor because my roommate is well aware that TD Bank still has the funds sitting in a frozen checking account under my  name, which they have NOT closed and issued a check for. I have attached my most recent checking account statement, which proves TD Bank had left this matter ignored after closing my savings account and rejecting my direct deposit. 

My close friend would like her funds returned to her immediately and does not want to have to endure any more punishment, considering TD Bank has left these funds inaccessible to her for more than 2 months, although she is a now a client of TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax has completely lost my credit file. I was a victim of the data breach in XXXX. Since XXXX of XXXX Lenders are unable to access my report neither am I. I have been trying for 8 months to get this issue fixed. It has become a major burden as I am now trying to gain approval for homes, cars etc.. I have a credit score of XXXX but equifax has no record of it when I try to pull my report on XXXX XXXX XXXX I am also not able to create an account on their website either as it gives me an error when trying to get my report as if I dont exist. I have spoke with them more than 10 times about this and each time I am told the IT department will reach out to me but I am never contacted. I need my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Rosebud Economic Development Corporation
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2017 I, as a result of a desperate situation, took out an installment loan for {$2000.00} with XXXX XXXX ( Rosebud Lending XXXX ). This company touts itself as a tribal lender of the XXXX XXXX XXXX of the XXXX XXXX XXXX  of South Dakota. Since taking out this loan, I have made 24 payments of {$160.00} for a total paid of {$4000.00}. To date they are showing that I still have a principal balance of {$1800.00}. It has come to my attention that this may, in fact, not be a legal loan in the State of Minnesota ( my state of residence ). These payment have increasingly become a hardship for me and it is very demoralizing to see so little of the balance actually being whittled away. As I understand it, Minnesota caps interest rates on internet installment loans at 31-33 %. It is my contention that I have already paid the principal of this loan, as well as paying well beyond the interest rate cap outlined by the State of Minnesota. I should also add, that I have twice sent correspondence to XXXX XXXX concerning this issue and have yet to receive any sort of response.

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 2020-09-11
Company: EQUIFAX, INC.
State: NC
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 pulled my XXXX  credit report on XX/XX/XXXX after the sale of my home on XX/XX/XXXX to ensure my mortgage company XXXX XXXX XXXX XXXX XXXX XXXX reported the loan payoff and final payment activity correctly. My credit report showed that XXXX added a delinquent status in XX/XX/XXXX indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX   XXXX  that XXXX  received full payment. 

On XX/XX/XXXX I sent XXXX  a formal letter requesting they correct their errors on my credit report along with my XX/XX/XXXX credit report, closing disclosure from XXXX XXXX XXXX and a copy of my XXXX  billing statement. 

On XX/XX/XXXX I received a response from XXXX  stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score 155 points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax Credit Information Services , XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It XXXX Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) 2. ( XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX XXXX XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX This is my second request as I contacted the company and I did conpanies telling me to contact the credit bureau. I am going in circles & need this information deleted!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Southwest Credit Systems, L.P.
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: Their investigation did not fix an error on your report

Complaint:
I have written several letters and given affidavits to the credit bureaus along with each company listed with police reports, letters and reported them to other related organizations, Matters still not resolved it has been a few years with evidence of these alleged debts and violations! 15 USC 1692g Validation of Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Navient Solutions, LLC.
State: NY
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:
On XX/XX/XXXX I noticed on my credit report a 90 late payment notice that was the 1st time I noticed the name Navient, after calling them i found out that they took over my loan XX/XX/XXXX, but no one from Navient reached out to me to setup payments arrangements no agreements was signed nothing until I reached out to them on XX/XX/XXXX and then I gave them my phone number and email address, I asked if there was away to remove the negative reporting on my and report allow me to make payments to bring my account current since XX/XX/XXXX was the 1st time I spoke to someone from Navient, customer service had no response for why no one reached out to me sooner expect that they didn't have my contact info on file, I asked to speak to a supervisor and since XX/XX/XXXX to now XX/XX/XXXX I have been unable to speak to a supervisor about my account, I want to be able to make payment arrangement that I can afford and at the same time since I made the initial contact remove the negative 90 day late payment off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is my second complaint for XXXX  and Equifax. I tried to fix it within the credit bureau with no luck and no help from XXXX  or Equifax. XXXX XXXX DID fix it.

As you can see by the attached report, XXXX and Equifax has me as having 3 late accounts. This has hurt my credit and shows up when it is pulled by a lender. XXXX repeatedly just says a bankruptcy stays on your credit. This isn't about that, I under stand that. This is about XXXX and Equifax saying that I have negative, lates from XXXX XXXX, XXXX, and XXXX. None of those accounts were late, those companies said that no late payments were every submitted. Yet, XXXX  and Equifax has my report showing late payments. All they did was to send out a dispute to those companies, rather than fix their internal error. They must be doing nothing more than assuming they were late, since, again those companies never reported late payments. Those were included in a chapter XXXX bankruptcy, however the loans with XXXX and XXXX XXXX were always paid, on time and outside of the bankruptcy and paid in full. I have the titles to both cars. XXXX was also included and received an agreed payment through the courts to settle the debt. No late payments were made to XXXX up to the day it went to receiving court payments. 

Finally, XXXX sent me a report of their resolution, but none was made. Funny how they can say this is done, when I got a call from XXXX XXXX yesterday saying they were actually trying to help me. Also, XXXX included a credit report showing the accounts before and after they " updated '' them. The ONLY thing that they changed was that these 3 accounts, which were supposed to fall off my credit in XXXX, NOW fall off in XXXX. How can they extend how long these stay on the report, unless punishment for reporting their error to the CFPB. They did nothing more than make the situation worse. 


Isn't it some kind of fraud to put false information on a report? 

Attached you can clearly see where the XXXX   and Equifax report shows 3 false late 's.

Company response to consumer: Closed with explanation