BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am formally requesting this letter to delete the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 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 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 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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-09-08
Company: Skopos Financial, LLC
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:
XXXX XXXX solicits business from thousands of lenders and while they do this they ruin people 's credit. They intitially say there will be no affect on your credit and then several lenders have pulled your credit and you end up with all these inquiries. 

I received a letter from XXXX XXXX  say they did not approve a loan that I didn't even apply for. There were inquiries on my credit report. 

Just recently, they did the same thing with the help of XXXX XXXX messing up people 's credit.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'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 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 2023-01-16
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



Bankruptcy XXXX XXXXXXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I RECENTLY WAS REVIEWING MY CREDIT REPORT I NOTICED SEVERAL ITEMS THAT DON'T BELONG TO ME ARE FRAUDULENT AND UNAUTHORIZED FOR CREDIT PURPOSES. I AM REQUESTING THE INQUIRIES BELOW BE REMOVED BECAUSE THEY ARE INACCURATE, UNAUTHORIZED, AND NOT MINE. 

XXXX XXXX XXXX XX/XX/XXXX ACCOUNT WAS NOT AUTHORIZED XXXXXXXX XXXX  XXXX XX/XX/XXXX NOT AUTHORIZED XXXX XXXXXXXX XX/XX/XXXX NOT AUTHORIZED XXXX XXXX XXXXXXXX THESE ACCOUNTS WERE NOT AUTHORIZED AND NEED TO BE DELETED FROM MY CREDIT REPORTS. ACCORDING TO THE FCRA, LEGALLY THESE UNVERIFIED AND UNAUTHORIZED ITEMS MUST BE REMOVED.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XX/XX/27 cc showing a balance increase of XXXX dollars causing my credit sore to drop by XXXX from that increase alone. I'm contacting all three credit companies to advise that this is an incorrect balance reflection and an unreasonable drop due to that.

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 2020-11-16
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: Their investigation did not fix an error on your report

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 ACCOUNTS LISTED BELOW DEAR EQUIFAX, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 

1. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 3. DEPARTMENT OF TREASURY ( FMS ) xxxxx XXXX XXXX. DEPARTMENT OF TREASURY ( FMS ) xxxxx XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 6.. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # # # # # # # # # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # # # # # # # # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX  # # # # # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX # XXXX # XXXX # 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 an 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 any purpose.

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 2018-10-08
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2018 i sent {$240.00} to a person using XXXX. They never sent me the tickets. I called my bank and they said they couldnt do anything about it. XXXX has to be held to higher standards if they are going to be involved in people 's money. Her email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX Account # 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

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 2022-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
informed the company i had to take leave of abscense from work due to having XXXX XXXX  they piled late payments on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
State: IA
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:
Today, XX/XX/XXXX, I spoke with XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX, about two accounts for {$750.00} and {$56.00} that appeared on my credit file. I was told to fax in my phtoto id and dispute these two accounts. XXXX would then notify the credit bureaus to delete both accounts. These accounts are not mine and were opened fraudulently. Fax was confirmed at XXXX XXXX eastern on XX/XX/XXXX. I am disputing these accounts that Equifax is reporting that has an adverse affect on my credit score and worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
They wont let me close my account after I have contacted them about identity theft. They said, my replacement cards were sent out without my actual consent and then it was sent to someone elses address. Charges on my card were not all mine. They never let me pay on my bill because I couldnt verify myself after my information was changed? I just want my account fixed and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Bread Financial Holdings, Inc.
State: CA
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:
Comenity Bank, I can not use or access any of my Comenity accounts online due to a " system outage. '' I am on auto-pay and none of the payments have been automatically made, either. I'm receiving emails telling me I have more time to pay, until today. I still can not access my accounts. This includes my ALL Rewards XXXX, XXXX Credit Card, XXXX XXXX XXXX. This has been happening for a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting the assistance of CFPB for this ongoing matter with Patenaude & Felix ( P & F ). I have sent them emails requesting a clear understanding of the offer terms. To recap, I received an offer letter for a final and one-time payment of {$2200.00} with a deadline of XX/XX/XXXX. However, the terms of the offer were not clear. 

P & F has refused to reply to my emails or phone calls and did not send any other notifications to me, all though they claim they did. The office manager at the escrow company ( who was to fund the offer money ) has confirmed that she, too, received no notification or return calls, in regards to requesting an extension of time past XX/XX/XXXX. Later, PF produced and submitted a copy of the letter of extension to XX/XX/XXXX to CFPB that they claimed to have sent to everyone involved, yet no one received it. and they sent pages of correspondence to CFPBthat no one seems to have, with no proof of delivery to me or the escrow company. Nevertheless, I sent a cashier check of {$2200.00} prior to the first deadline ( XX/XX/XXXX ) since they refused to answer and demonstrated unethical practices that could not be trusted. 
. 
The issue of their terms still remains. The offer letter to escrow, dated XX/XX/XXXX, said the satisfaction of judgment would be sent once the " total balance '' is received. The " amount due and owing '' is {$2200.00} as stated in that letter. But, in another letter to me, dated XX/XX/XXXX it says the satisfaction of judgment would be sent, upon receipt of the " balance owed ''. According to the letter, the balance owed showed {$11000.00} and the " settlement amount was {$2200.00}. '' This left me to believe that {$11000.00} must be paid in order to qualify as a Satisfaction of Judgement. 
Since I could not get clarity from P & F, and the deadline of XX/XX/XXXX was fast approaching, a cashier check for {$2200.00} with " paid in full '' in the memo line was delivered to them on XX/XX/XXXX. Later, the check was returned to me due to the memo line message. Hence, we are back to the beginning with no direction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is refusing to update my credit report due to fraudulent accounts showing as inquiries. I submitted a copy of my fraud report and the other bureaus have removed these account but Equifax has refused to do so twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK Credit Cards Issued by XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX All this infomation in not mines ......

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 2023-09-08
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 2019-10-13
Company: WSFS FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
WSFS Falsely charging me on an overdraft after my accounts have been closed

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 2021-09-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I called Carrington Mortgage Services, CMS, : Explained I wanted to change my Homeowners Ins. Co. as current company was due to renew end of XXXX. CMS already made payment to that company. I was instructed to contact co. for a refund and mail a check back to CMS to put back in escrow. I was instructed escrow payments must be sent by paper check and clearly marked escrow only, which I did on the face of check double underscored on top and escrow only in memo on check bottom. CMS advised to send check for amount that will be paid to " new '' ins. co. {$1100.00}. Please know I sent amount instructed by Cst. service. I send escrow check in the amt. of {$1100.00}, it was mailed on XX/XX/XXXX cleared bank on XX/XX/XXXX, I thought all was good. I checked my mortgage after the XX/XX/XXXX payment had slightly decreased to {$490.00}. My account page listed new payment amount of {$680.00} to commence on XX/XX/XXXX ( also stated on escrow analysis dated XX/XX/XXXX ). I was confused and called CMS at which time I became aware of negative escrow Balance : XXXX {$1100.00} ) On XX/XX/XXXX I started investigating my account payment history showed these payments made to CMS for principal on same day escrow check cleared my account ( XX/XX/XXXX ) in addition to XX/XX/XXXX reg. auto debit cleared {$520.00} then on XX/XX/XXXX the following payments were listed {$15.00} fee, {$66.00} curtailment, {$520.00} funds received, {$540.00} funds received. I requested a review and correction I was told another escrow analysis would need to done. But to my surprise on XX/XX/XXXX a draft came through on my checking account for {$680.00} a {$160.00} increase from my regular mortgage payment of {$520.00}. I never received communication from CMS of the increased amount to take effect in XX/XX/XXXX. I called CMS and explained there was an error on their part and I immediately went to bank to stop payment amount. I also stopped automatic debit on XX/XX/XXXX as the {$680.00} was taken from my account on XX/XX/XXXX causing two overdrafts. The money came back to my account on XX/XX/XXXX. I put stop payment on CMS. Meanwhile b4 the money returned ; I pleaded they send back the amount they used for another forced curtailment payment in the amount of {$130.00} and they refused. Then on XX/XX/XXXX they tried again to auto debit my account for {$540.00}. I can show where the actually took the {$680.00} and applied it to payment, forced curtailment and a late fee of {$19.00}? ( btw when they rec 'd the escrow check I saw where they charged me a late fee there again {$19.00}? ) Nothing was ever paid late. On XX/XX/XXXX I mailed a check in the amount of my payment of {$520.00} to make sure I stay current on time.

Company response to consumer: Closed with explanation