BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023, I requested a copy of the description of the method of verification procedure used to determine the accuracy and completeness of the disputed accounts in question. Including the name of the company and address and the person name who conducted the reinvestagation process to me. I never received anything from the credit bureaus. I was told I didn't need any documents for the process by their representatives. By State and Federal law, a consumer reporting agency SHALL provide to a consumer a copy of description of reinvestagation process referred to paragraph ( 6 ) ( B ) ( 3 ). Unverifiable accounts MUST be removed from a consumer 's credit file. Silence in this matter is unacceptable. 
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  Should all three credit bureaus continue to attempt to collect these debts without the proper validation, I have the right to sue all credit bureaus in small claims court and subject them to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. I would like to remind that the credit bureaus are legally obligated not to report a debt that has not been properly validated. I am sure that the credit bureaus want to resolve this matter as quickly as possible and avoid any unnecessary complications Should they fail to respond to the letter within 15 days. 
Sincerely, 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 2023-08-21
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: Their investigation did not fix an error on your report

Complaint:
Requesting that collection companies provide debt validation letter for this debt. This would not involve verifying the questions debt but legal right to collect said debt if accurately reported. So, please provide copy of DEBT VALIDATION LETTER for the following account : Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-27
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: 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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
It was several times that money was taken from my account without my authorization. Who and why they was taking my money I do not know but I wish I can get my money back.

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 2022-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2022 : The caller of ( XXXX ) XXXX from XXXX XXXX XXXX initially had someone call my niece and spouse. When the call was to my husband, I took the call and called the above-mentioned number on my cell phone. 

The person that answered the call. I provided the reference case number that was initially provided to me from the first caller, I notified the Fraud company of said owed debt who told me after checking that I did not owe anything and appeared to be in good standing. 

She comforted me. But this is really harassment on all levels

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 2019-10-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have consolidated direct federal loans with Fedloans. I have been working in non profit organizations, and plan to apply for PSLF. 

I have made almost five and half years of qualified payments, but Fedloans has only counted a handful towards this. I have called them several times, and they reassure that all my paperwork are there and are correct, however, have not updated a correct count.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be deleted. 

XXXX XXXX XX/XX/2023 XXXXXXXX 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

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When they authorized my loan, my mortgage payment remained at an amount and after a year they increased it more and then I don't know why, when they told me that my mortgage payment was going to do the same for 30 years and Wells Fargo increased it payment 2 times

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 2019-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/19 my purse was stolen out of my car at a dog park, the thieves went straight to XXXX XXXX  and charged {$2000.00} worth of gift cards ( {$500.00} Bank of America {$1000.00} XXXX XXXX  and {$500.00} XXXX XXXX  ). A police report was filed within the hour but we could not catch them at the store. All credit card companies were aware these were fraudulent charges within that first hour or so. All have been great with the exception of Bank of America. They initially reversed the charge on XX/XX/XXXX. THEN on XX/XX/19 they charged it backto my account and denied the claim the reason is that I shop at that store ( well yes it's 5 minutes from my house! ). and that made it a valid charge. Are you kidding me? Since then i have reopened the claim on XX/XX/19 ( closed during holiday ). They have all the police information etc. and still have not accepted the claim. I need help with this issue i can not sit on the phone all day trying to check on this claim.

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 monetary relief
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: VA
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:
Reporting Agency- Equifax XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above unverified are fraudulently being reported on my credit reports that I have disputed several times with Equifax XXXX XXXX and XXXX and each time they keep telling me that these accounts are verified. However none of mentioned credit bureaus could provide me the method or proof of the verification process. None of the above collection agencies have not sent me a copy of the original assignment nor a copy of the original contract signed by me and this is a violation of 15usc1692g of the FDCPA. As a federally protected consumer I have a right to verify the debt and bureaus are fraudulently reporting these accounts based solely on heresy and not first hand documentation or knowledge that the debts and accounts are mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Georgia Student Finance Authority
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
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:
my information was stolen by some unknown person, and they used it to obtained credit, resulting in many delinquent debt and inquiries to be reported to my credit file. i have been very careful keeping my personal information secured and safe, i am shock to see this happened to me, i have been victimized

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 had two credit cards with the company named XXXX. One was a secured card with a credit limit of XXXX XXXX, and the other one was an unsecured card with a credit limit of XXXXXXXX XXXX. Due to some personal situation, I had to quit my job. While waiting for some funds to be deposited into my bank account within 60 days from my resignation date, I was not able to make my payments on time. But as soon as I received the funds I made full payment on both of the credit cards. One of the XXXX representatives lied to me by saying that my account was still open and that as soon as the payment got reflected on both of my accounts I was going to have my credit available. Later I realized that was not true because both accounts were closed by the company ( XXXX ). The problem I am having is that even though I made my payment in full for both accounts more than 30 days ago the company XXXX is still reporting wrong information to the credit bureau when both of my credit cards have been paid in full and as I said, both credit cards account have been closed by XXXX. This bad reporting is affecting my credit report, my XXXX XXXX has dropped XXXX points because of this bad report from XXXX. My last payment to satisfy the unsecured credit card account in full, payment was made on XX/XX/XXXX for {$12.00}. But previous to this date I made another payment on the unsecured credit card for the amount of {$950.00} on XX/XX/2023. Also on XX/XX/2023, I made a payment of {$190.00} to satisfy the secured card account in full. I do not understand why the XXXX company is continuing to report accounts that have been paid in full by me ( the former account owner ) and closed by the credit card company " XXXX ''. Please help. I have been working so hard to pay all my debts and to improve my credit score for things like this to happen. I made these payments using my XXXX Checking or Saving Account.

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 2023-01-22
Company: Financial Data Systems
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:
This is a notice for FINANCIAL DATA SYSTEMS to cease and desist ALL communication regarding this allege debt. WHERE IS YOUR PROOF? Who sent you to furnish my consumer report? What is our relationship and where ANY documentary evidence of this alleged debt? You have 30 days to send a deposit statement, a contract or a statement of obligation with my wet signature on it, until then CEASE ALL COMMUNICATION this includes but not limited to phone calls, emails, social media, or ANY CONSUMER CONSUMER REPORTING AGENCY. Please only respond in writing to confirm your acknowledgment of this letter. If you do not cease communication, a lawsuit will be commence against you. 
Thank you for your cooperation. 

please find attached a FTC report for identity theft. 

DELETE THIS ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2022-10-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: IL
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly. I have attached supporting documents for your reference. Please investigate the issue and take appropriate action to resolve 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 non-monetary relief
Consumer complaint received 2022-02-21
Company: CITIBANK, N.A.
State: MD
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:
On or around XX/XX/2022, someone attempted to places several charges in the amount of {$240.00}, on my Citibank credit card. At no time did Citibank provide any alerts or notification of the fraudulent charges. Citibank waited until XX/XX/2022, without any notification or alerts then cancel said card while on a holiday weekend. Citibank has made it impossible to find or locate an actual telephone number on their website and when you finally find a number you are forced into an auto dial voice controlled system that will disconnect if you hit the wrong button. Translation it took 30 plus minutes to get ahold of a customer services representative over in XXXX that could not speak XXXX XXXX XXXX or answer the core compliant why did Citibank not alert consumer to credit card fraudulent or cancellation of card?

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 2017-10-03
Company: Experian Information Solutions 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:
I have informed Experian and XXXX that the XXXX XXXX was never late in 2014. I have had a difficult time trying to get XXXX and Experian to to remove this inaccurate information from my credit file. Please assist me in getting this account removed from my credit file.

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