BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 following accounts have violated my rights ; XXXX XXXX account number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX account numbers XXXX AND XXXX 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

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 2021-04-27
Company: Experian Information Solutions Inc.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I made several attempts on XX/XX/2021 via phone to dispute inaccurate information on my Credit Report as reported by Experian. However, Experian is refusing to accept my dispute and investigate the issues with my credit report. I was reviewing the information that was provided to me by Experian being a member and saw that there were three different credit inquiries on my credit report that I did not authorize. I was told by four different representatives that it is not the responsibility of Experian to accept a consumer 's complaint regarding Experian reporting inaccurate information under their credit report. The representatives I spoke in the order of contact was XXXX, XXXX, XXXX, and XXXX. At this point I am confused as to what a consumer is suppose to do if they see accurate information on their credit report and need to either correct and/or have it removed. At this point I am highly upset with the treatment I have received thus far in relation to this matter therefore I am turning to the Consumer Finance Agency for assistance. Consumers should not be held hostage regarding their credit information the different credit reporting agencies. This is completely unacceptable. Credit Inquiries : XXXX, XXXX, and 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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account listed : Account Name : XXXX XXXX XXXX Number : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to " on time '' as they should be, as I was NEVER late.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: TD BANK US HOLDING COMPANY
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX, TD Auto Finance reported that my account was late. In XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX reported that my account was late. This is inaccurate information due to the fact that I was never late in making a payment. I have contacted both the credit bureaus as well as the creditors, but to no avail.This incorrect reporting is negatively affecting my credit. Please remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This complaint is against XXXX XXXX XXXX XXXX XXXX. This company sells a money transfer instrument called XXXX XXXX, which can be used to add money in retail stores, and later to transfer money to general-purpose prepaid cards.

On XX/XX/XXXX, I used a XXXX XXXX ( see Exhibit A & B ) with stored value of {$500.00}, and requested it to be transferred to my XXXX  prepaid card. The company told me the transfer is successful ( see Exhibit C ). However, the {$500.00} has not been added to my XXXX prepaid card ( see Exhibit D ).

Starting XX/XX/XXXX, I have called/emailed the company for several weeks, trying to resolve this issue. They gave a few different incident ids ( the last one being XXXX  ). Each time they insist that transfer is successful, and some random numbers they call it confirmation. However, the XXXX prepaid card denies ever receiving the {$500.00} deposit on or after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: PREFERRED CREDIT INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I WANTED TO DISPUTED THIS OLD ITEM I FELL INTO HARD TIMES AN WAS UNABLE TO PAY I TRIED TO WORK OUT A PAYMENT PLAN WITH ORIGINAL CREDITOR AN COULD NT WITH STAND PAYMENTS THIS WAS BACK IN 2016 FOR ORIGINAL AMOUNT FOR {$2000.00} I WANTED TO REMOVE IT BECAUSE IT DOES NOT BELONG TO ORIGINAL CREDITOR THIS IS THE WRONG INFORMATION AN HURTING MY CREDIT PLEASE HAVE ALL 3 CREDIT DEPARTMENT REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: 21ST MORTGAGE CORP.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ive requested 21st Mortgage provide me with all documents pertaining to the estate of XXXX XXXX XXXX several times Ive even had the probate judge issue a motion to the to provide all these documents. They refuse to provide me with the necessary documentation to reconcile this account for probate. They are beyond difficult and should be fined for disobeying the court system regarding this probate. I am the sole beneficiary, personal representative, executor, I am XXXX XXXX XXXX now. 

The previous complaint that you closed without resolving anything they sent you copies of things they have NOT SENT TO ME. Even if they did it doesnt resolve the issues I need resolved. The documents they attached is what XXXX sent DORA 21st mortgage did not. 

I have no idea who insures the home if I call home first for a policy Im told to call 21st mortgage who is listed on declarations pages as agent but XXXX answered DORA with a different policy than was sent to me by 21st mortgage. Their pyramid scheme of tipping people off is similar to this. 
XXXX XXXX - who wont talk to me XXXX - who sent a different policy to DORA than what 21st mortgage  sent to me. 
XXXX XXXX XXXX - who cuts the checks 21st Mortgage - who controls them all but remains evasive and passes the buck back to XXXX XXXX who cant send an inspector that knows his foot from his hand. And theyve all refused to do this correctly. 

21st mortgage is defying a court order to provide me with all the mortgage documentation and it needs to be done. 

Do not close this complaint because they attach something Ive never received they are thieves and will lie as quick as they will look at you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Medical Data Systems , Inc. failed to validate the debt in question per my written request opting instead to attempt to merely verify said odious debt. 

Furthermore, I was fully absolved of any debt by the creditor in writing on XX/XX/19 Said alleged creditor never proved that I submitted any false information that would have legally invalidated my debt being absolved. Instead, they have broken the terms of their statement of debt forgiveness unilaterally. 

Now I've received correspondence from MDS , Inc., attempting to illegally extract capital from me and stating that they have notified the Credit Reporting Agencies of this false debt as though it were genuine.

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 2023-04-10
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: Personal information incorrect

Complaint:
XXXX, XXXX, 2023 my first name was changed by someone without my knowledge on my Equifax credit report and now I'm starting to receive lots of credit card offers in the mail under this name. 

Also XX/XX/2023 someone lifted my credit freeze and fraud-alert on my Equifax report Also XX/XX/2023 someone again lifted my credit freeze and fraud-alert on my Equifax report. 

I'm the victim of Identity theft. Equifax allowed someone to change my first name and also allowed them to lift my security freeze and fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to pay my mortgage on XX/XX/18 through online processing. I have my bank account saved, and selected it. I received the email notice confirming my payment. A week later ( XX/XX/18 ) I realized the payment had not hit my bank account. I called the mortgage company to check on the status. At this time I was told that the payment didn't go through, but they would process for me using my saved banking information. I agreed, and once she completed the process I asked if the late fee could be removed since I had attempted to pay on time and the payment processing didn't work. The representative initially agreed that they could cover a portion of the fee. When I asked if they would cover the entire fee since I had never had a late payment she then agreed. I received an email the next day confirming my payment, for the second time. Another week passed and once again I noticed on XX/XX/18 that my payment had still not processed in my bank account. At this time I called the company again. The representative stated that the first time I attempted to process there was a digit missing on my bank account number ( which was saved ). She wasn't able to determine what happened the second time when the representative processed over the phone. I asked if the fee 's could once again be removed since I had now attempted to process payment twice and she stated that since " it was my fault that it didn't go through '' that they wouldn't cover the fees. I explained that the initial late fee that had already been removed could technically be considered my fault, but that was not the fee in question. The fee would be related to the second payment processed by the representative. 

At this time I have payed my mortgage, but there is now a fee left open on my account, in addition to a negative mark on my credit report for " late Payment ''.

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 2019-10-30
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/XXXX I filed a police report. I submitted this with also my drivers license and social security card as well as my statement. They have failed to remove this fraudulent accounts as the say my police report doesnt meet their internal policy. I asked what is the policy so I can have the police correct this issue and they will not disclose this to me. I have tried sooo many times to have these things resolved and they are failing to help me. If the government says I was victim of identity theft how is the credit Bureau refusing to help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off the account with XXXX  but they are reporting it as a charge off please update to paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 explanation
Consumer complaint received 2018-04-10
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: Account status incorrect

Complaint:
XXXX XXXX XXXX reported my account as charged off even if I paid my credit card every month. And I paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a deposit into a US Bank branch in XXXX, WI for a rental agreement regarding and apt in XXXX my. We are out XXXX! When we arrived at the rental home we quickly learned it was a scam. I called USBank fraud department and they said they could not flag the Account or do anything because I was not on the account. I have filed a police report and so far have heard nothing from the police or USBank. Meanwhile I was homeless and no one is looking into this account. Someone had to open it. Cant it be researched? Is it flagged? Are more people being scammed? I have copies of the rental agreement and deposit,

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 2020-05-26
Company: Experian Information Solutions 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:
Inquiry - Loan or credit application XXXX XXXX XXXX XXXX  obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application CXXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Installment Loan Inquiry XXXX XXXX obtained a copy of your Experian Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX )  obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX   ) obtained a copy of your XXXX 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 explanation
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have spoken with all the credit cards that are associated with my name and they will not clear up the negative effect this has had on me. COVID 19 was a disaster my husband and I maintained pretty good. We called everyone and they assured us that we would not get a late on our credit and now that we are trying to qualify for a house the scores have been effect I need these fixed immediately. The home we have been renting the owner has to sell due to COVID 19 and we would like to purchase but the late payments seem to be the only thing that is affecting us.

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 2020-11-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian.

1. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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