BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
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:
I will list several fraudulent hard inquires that I have on my credit report. I will please like to have these hard inquires removed since I didnt authorized them. I placed a freeze on my account but it was accessed via a mobile device without my knowledge, I now have a pin in place. I still receive mail at an address listed on my credit report that I no longer reside at, and a relative of mine does. I do know who attempted to open these account and I will take the proper legal right to address the issue. I do not wish to place a fraud alert on my account since Ive changed my account pin.

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 2019-03-12
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
purchased a {$100.00} VISA GIFT CARD on XX/XX/2019 at XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX CA XXXX ( XXXX ) XXXX. When my son tried to use the card, it failed between XX/XX/XXXX and XX/XX/XXXX for an online media purchase form our home in XXXX CA XXXX the card failed. I checked via the automatic phone number on the card, and the card balance showed {$0.00}. On the VISA CARD web page, I found that the same time i purchased the card, the card was shown to be activated at a different store in a different town. The card was activated, then the entire balance withdrawn, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. I reported this to XXXX   XXXX. and to XXXX. The stores directed me to file a theft report with the local law enforcement. The local law enforcement offices could not take a report for this as this was theft via media. VISA does not have a consumer line for GIFT CARDS and are unresponsive. 

CFPB referred my case to BLACKHAWK NETWORK. BLACKHAWK NETWORK did not issue me a refund. They added another {$100.00} to the Gift Card, which as I have reported, is being used by thieves. I can not use the Gift Card. The company has just handed another {$100.00} to whoever stole access to the Gift Card. 

Please refer to CFPB case # XXXX. All attachments are relevant as this is the same case. My complaint hasn't been resolved. Also, as I reported, there was no means to communicate with BLACKHAWK NETWORK as the Gift Card access site s for VISA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Company: EQUIFAX, INC.
State: CA
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 dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies XXXX XXXX {$1800.00} XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Dovenmuehle Mortgage, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called My servicer to update my address after paying off my home loan in order to collect the escrow check. 
At their direction, I submitted a form signed by me and my wife to update our address. Form noted that it can take 5 business days to update address. 

On XX/XX/XXXX my servicer mailed my escrow check to my old address. Servicer did not update my address. 

On XX/XX/XXXX my servicer told me they couldnt issue a new check for 30 days after XX/XX/XXXX due to company policy - even when it was their error in mailing the check to the wrong location. I think theyre doing this intentionally to collect interest on the funds - over {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-07-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED FTC REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

Name : XXXX XXXX XXXX, Addresses : 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 Account XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2017-05-29
Company: Credit Plus Inc
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
While checking my personal credit reports which acquired from  XXXX ,   XXXX    and  XXXX , I noticed an inquiry made by Credit Plus.I did not authorized anyone of this company to make inquiry and view my credit report.Credit Plus have violated the fair credit report act section  1681 (  B ) I request that Credit Plus mail me a copy of my signed authorization form that gave them the right to view my credit report so that I can verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: WELLS FARGO & COMPANY
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:
This complaint is for WELLS FARGO. I sent them letters regarding the inaccuracies in my report due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. 
States that 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 an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: CA
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 some of the information was 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX Date opened XX/XX/XXXX 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 explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance {$8600.00} ; XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 filled bankruptcy XXXX  XXXX in XXXX of XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. XXXX XXXXXXXX XXXX reported about 10-12 late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. XXXX XXXX provided a number on last complaint to call to discuss this matter upon calling the number I was told XXXX XXXX  doesnt have a department to help me with this and they dont discuss credits over the phone. There is no way to get this resolved. XXXX XXXX  stated in last complaint that they have no record to show when I made payments to bankruptcy. On this complaint I have provide complete bankruptcy payments history to show I was never late paying bankruptcy. I would like XXXX XXXX  to prove that I XXXX XXXX made late payments not my third party. I was told by bankruptcy lawyers that while in bankruptcy creditors can not add late payments to my credit report being that payments are made through bankruptcy trustee not me. XXXX XXXX stated in last complaint that since I did voluntary dismal I was not protected by bankruptcy XXXX XXXX  was paid in full XX/XX/XXXX voluntary dismal was made XX/XX/XXXX well over a year after XXXX XXXX  was paid in full. I had XXXX accounts added to my bankruptcy XXXX XXXX  is the only account that reported late payments while in bankruptcy, this is a clear violation of my rights protected by bankruptcy and for this I would like XXXX XXXX XXXX  removed from my credit report. I feel they have violated my rights and dont provide a phone number or department to help resolve this matter. 

I have attached complete bankruptcy payments history from XXXX as well as payment history from bankruptcy trustee.

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 2022-07-15
Company: Bread Financial Holdings, Inc.
State: PA
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:
On XX/XX/XXXX I received an email from comedity bank that my new statement was available. I reviewed the bill and notice my payment was not applied. I verified my payment was taken out on XX/XX/XXXX. I immediately tried to contact the bank and on XX/XX/XXXX I finally spoke to someone. I was told they were having issues and hopefully all would be resolved by Friday XX/XX/XXXX and no late charges would be charged. I tried to use my card and it was denied for insufficient funds. I called again and was told that my paymwnt was late. I explain once again that it was withdrawn from my bank. I qas told i would have to mail them a copy of my bank statement to prove i paid. I asked to speak to supervisor who said my card was showing up as insufficient funds and they really did not know why. I have a XXXX credit limit and owe about XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Under the Fair credit reporting act section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. On this day of XXXX XXXX XXXXXXXX XXXX has violated the Fair credit reporting act.

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 2023-07-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$460.00}

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 2022-10-23
Company: Experian Information Solutions Inc.
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 filled bankruptcy XXXX  XXXX in XXXX of XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. XXXX  XXXX XXXX reported about XXXX late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. XXXX XXXX  provided a number on last complaint to call to discuss this matter upon calling the number I was told XXXX XXXX  doesnt have a department to help me with this and they dont discuss credits over the phone. There is no way to get this resolved. XXXX XXXX stated in last complaint that they have no record to show when I made payments to bankruptcy. On this complaint I have provide complete bankruptcy payments history to show I was never late paying bankruptcy. I would like XXXX XXXX to prove that I XXXX XXXX made late payments not my third party. I was told by bankruptcy lawyers that while in bankruptcy creditors can not add late payments to my credit report being that payments are made through bankruptcy trustee not me. XXXX XXXX  stated in last complaint that since I did voluntary dismal I was not protected by bankruptcy XXXX XXXX  was paid in full XX/XX/XXXX voluntary dismal was made XX/XX/XXXX well over a year after XXXX XXXX was paid in full. I had 18 accounts added to my bankruptcy XXXX XXXX  is the only account that reported late payments while in bankruptcy, this is a clear violation of my rights protected by bankruptcy and for this I would like XXXX XXXX XXXX removed from my credit report. I feel they have violated my rights and dont provide a phone number or department to help resolve this matter. 

I have attached complete bankruptcy payments history from XXXX as well as payment history from bankruptcy trustee.

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 2022-10-23
Company: EQUIFAX, INC.
State: NJ
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:
when I was checking my credit report, I noticed accounts that have not been opened by me on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
when I was checking my credit report, I noticed accounts that have not been opened by me on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29
Company: Lending Club Corp
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
i received a pre approved offer from lending club and they turned me down. my understanding is that they need to offer me a firm offer of credit under FCRA. I feel misled

Company response to consumer: Closed with explanation