BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Identity Theft Victim ... 

Didn't Authorize ( Inquires ) Pulling of Credit .... 
XXXX!!! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions Didn't Authorize ( Inquires ) Pulling Credit!!! 
Transunion Creditor Name Inquiry XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX   XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance

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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-15
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Took out a loan with cashnetusa.come after making 2 payment over a 2 payment periods which is every took weeks I notice that my loan payment barely dropped. I contacted the company and they told me it a crewed interested everyday. So a loan if XXXX making them payment would take over a year to pay off making payment of XXXX every two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, 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 information incorrect

Complaint:
I sent letters to each 3 main credit reporting bureaus : XXXX : XXXX : Equifax I stated to each credit bureau, that there company violated federal law 15 USC 1681 ( B ) " permissiable purpose '' which stated the bureaus and collection companies must have consent to report personal information to the bureaus. These companies did not have consent and therefore made an error on my consumer credit profile that resulted in hardships during these covid hard times. The bureau made an error with a late payment on my mortgage account, which my mortagage account was in forebearance and is current and up to date, The account XXXX XXXX  services must be removed as a late payment or these companies must provide monetary damages to me as a consumer for violated my federal rights and violated federal law and the policies of the CFPB! Remove XXXX XXXX as late payments mark them as current to rectify the companies error and pay monetary damages to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: U.S. BANCORP
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: Information belongs to someone else

Complaint:
To whom it may concern, This is in regards to my credit report with XXXX and XXXX they are reporting this account on my credit report from. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX partial account # XXXX ... .date open XX/XX/XXXX first reported XX/XX/XXXX. This account was open as fraud I did not authorize this company to open any accounts in my name. I have reached out to the company requesting for proof of my signature and also to provide proof of photo ID. The company has not provide any of this information to me. I also informed the company that I have been a victim of identity theft and to please remove this information off my credit report. I also have reached out to both creditors XXXX and XXXX about this account letting them know that this is a fraud account. Please assist me in this matter with helping me getting this account remove from my credit report thank you ...

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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached TransUnion screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX and XX/XX/XXXX 2016 to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the 5th as scheduled. Also attached is a payment ledger from 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 2018-09-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I disputed the validity of the bankruptcy information being on my credit reports with TXXXX, Equifax and XXXX. The dispute is how can they officially put the bankruptcy information on my credit report if they did not or their third party vendor properly verify the information directly with the court. I contacted the bankruptcy court and received documentation from them dated XXXX XXXX indicating that they do not report or verify bankruptcy information with the credit reporting companies. On XX/XX/2018, I submitted this documentation to all three of the credit reporting agencies as well as dispute letters and asked that the bankruptcy information be removed from my credit reports because it was not properly validated with the bankruptcy court. All three of the credit reporting agencies responded that the information was " Verified ''. I even spoke to a XXXX representative on Tuesday XX/XX/2018 because I checked my credit score on that day and it had dropped 100 points. My credit score had been increasing over the past several months and my credit behavior has not changed so the 100 points decrease to me seemed directly attributed to my dispute. I also requested that the name of the third party vendor that they indicated verified the information with the court but I was told they could not release the information. Today XX/XX/2018 I received a letter from Equifax saying that per my request, they have put a fraud alert on my credit file which will last for 90 days and they will also make the other credit reporting agencies aware of this. I did not request that they put a fraud alert on my credit file but I did dispute the validity of the bankruptcy information. As a result of this fraud alert being put on my credit file without my request or permission, it will slow down my ability to get credit. I wrote a letter to Equifax and submitted it on-line asking that the fraud alert be removed immediately as I did not ask for it or give them permission to put it on my credit file. I also ask they communicate with the other credit reporting agencies to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: WELLS FARGO & COMPANY
State: NV
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:
This company promised me that they would get back to me within a month or 45 days but it seems like it taking longer and i'm getting no update ... has anybody out there had an issues with well fargo???? i went on XXXX and it seems like this company is trying to tear everyone down this is what they told me ... 

" Subject : Response to the recent inquiry Application number ending in XXXX Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX We certainly understand that our customers do not want to be to financially responsible for goods or services from which they do not believe they received benefit. We confirm our Fraud Department opened a claim on XX/XX/2018, for two charges to XXXX XXXX, one in the amount of {$83.00}, and the second one for {$84.00}. We confirm both of these charges were accepted by our Fraud Department on XX/XX/2018, for the total amount of {$160.00}. 
Our records show there was no claim submitted for the following charges that took place on XX/XX/2018, XXXX XXXX XXXX XXXX for the amount of {$200.00} XXXX XXXX XXXX XXXX for the amount of {$22.00} '' how much longer will this take???

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 2018-09-23
Company: Avantus, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021 i had a Hard inquiry on my credit report from XXXX XXXX  i would like to have it removed an have the address of where the application was made or where the card was being mailed to so i can have a clue of who has my information.

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 2021-07-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I were laid off Due to Covid Last XX/XX/XXXX and Select Portfolio Servicing is unwilling to work with us to save our home from foreclosure on XX/XX/XXXX. This is a XXXX Loan ( ( ( - XXXX XXXX XXXX XXXX  XXXX, as Trustee for the benefit of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the owner of the account, and SPS is the mortgage servicer of the account. Contact information for the owner of the account is provided below : Office of the Trustee XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX ) ) I have had to hire XXXX XXXX XXXX XXXX to help and we are still getting nowhere. 
Called the other day to get the past amount due and the Customer Servicing Rep would Not Provide me the information. Why?? There is something wrong here with SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
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: Public record information inaccurate

Complaint:
I disputed the validity of the bankruptcy information being on my credit reports with TransUnion, XXXX  and XXXX. The dispute is how can they officially put the bankruptcy information on my credit report if they did not or their third party vendor properly verify the information directly with the court. I contacted the bankruptcy court and received documentation from them dated XX/XX/2018 indicating that they do not report or verify bankruptcy information with the credit reporting companies. On XX/XX/2018, I submitted this documentation to all three of the credit reporting agencies as well as dispute letters and asked that the bankruptcy information be removed from my credit reports because it was not properly validated with the bankruptcy court. All three of the credit reporting agencies responded that the information was " Verified ''. I even spoke to a TransUnion representative on Tuesday XX/XX/2018 because I checked my credit score on that day and it had dropped 100 points. My credit score had been increasing over the past several months and my credit behavior has not changed so the 100 points decrease to me seemed directly attributed to my dispute. I also requested that the name of the third party vendor that they indicated verified the information with the court but I was told they could not release the information. Today XX/XX/2018 I received a letter from XXXX  saying that per my request, they have put a fraud alert on my credit file which will last for 90 days and they will also make the other credit reporting agencies aware of this. I did not request that they put a fraud alert on my credit file but I did dispute the validity of the bankruptcy information. As a result of this fraud alert being put on my credit file without my request or permission, it will slow down my ability to get credit. I wrote a letter to XXXX and submitted it on-line asking that the fraud alert be removed immediately as I did not ask for it or give them permission to put it on my credit file. I also ask they communicate with the other credit reporting agencies to remove it.

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 2021-07-06
Company: EQUIFAX, INC.
State: KY
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 have contacted the major credit reporting agencies multiple times regarding fraudulent and inaccurate information listed on my credit report. The inaccuracies remain on my report even after I have supplied proof that the items do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: U.S. BANCORP
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 submitted CFPB complaint XXXX regarding information being misreported/missing on my XXXX  credit report regarding my US Bank credit card ending in XXXX. 

US Bank sent me a response that they determined an update to XXXX  is appropriate and they have already communicated the correct info to XXXX but so far nothing has reflected on my report even though my other US Bank account has reported since then to XXXX. 

I attempted to contact US Bank regarding this by calling the numbers listed in their response and all I got was front line customer service representatives with limited to no access to such information who kept transferring me from one department to the other.

Attached is a copy of US Bank response to my first complaint from someone named XXXX with the office of the president who promised that the reported information will be corrected but it wasn't and she didn't share her direct contact information to further discuss this leaving me with no option but to submit another complaint. I can be reached by email XXXX and phone 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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
To someone that can help me, Unfortunately, the purpose of this letter is to inform you that the companies listed have failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the U.S. Postal Service on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 84 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 84 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.

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