BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
TRANSUNION has not responded to my concern in a timely manner. According to the CFPB XXXX XXXX has admitted that ALL credit reporting agencies have committed consumer violation and have NOT been handling complaints carefully and responsibly. I so believe TRANSUNION has ignored my demand and has continued to federally violate me willfully. I am devastated and hurt by this both mentally and physically. I am not disputing anything I am DEMANDING TRANSUNION exercise their GRAVE DUTIES to report accordingly and respectfully on the consumer to insure confidence in the banking system. I will no longer extend my credit until TRANSUNION has settled the matter IN GOOD FAITH and remove demanded accounts from my reputation

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 2021-11-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX continue to wrongfully report derogatory marks from XXXX XXXX XXXX - Account number XXXX - on my personal credit account despite the fact that the underlying account was not validated, it is inaccurate and fraudulent. Because there was no notice, whatsoever, from the creditor, I denied opportunity to dispute the charges under identity theft. Moreover, XXXX ignored my complaint that the account was reported by the reporter, XXXX XXXX XXXX, who failed to notify me pertaining to the alleged charges and/or grant proper opportunity to dispute the charges before reporting in violation of the consumer rights laws such as Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Upon my request for reinvestigation, XXXX improperly used parrot information to validate the charges.

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 2018-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 started a fraud dispute with the credit bureaus. XXXX is the only creditor that did not removing the fraudulent account from Bank Of America.I 've contacted BANK Of America they using a fraudulent checking account which was opened with fraudulently and using the fraudulent account to verify the credit card account. My social security and ID were compromised and fraudulent account was opened without my knowledge or authority l started a fraud dispute with the bank.I 've send the bank every documentation the 've requested. Bank Of America requested my id from a third party which was XXXX. XXXX sends an ID without my knowledge or authorization. After the Bank had my ID no one asked to verify the legitimacy especially on an ID theft claim, I don't know what XXXX has or what was sent.The Bank never verified with me.Nor did I know my XXXX was an issue I have never been embarrassed trying to explain myself.I'am XXXX by XXXX XXXX. I've been going thru XXXX XXXX XXXX and XXXX XXXX XXXX.I'am ashamed and disappointed how Bank Of America has handled my situation, they were questing my XXXX and making me uncomfortable with questions that could have been avoid if only the bank let me know what XXXX has sent out.I had NO problem sending the bank my id picture, nor em I embarrassed or ashamed of myself. I'am who I am and i'm proud of myself

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have notified XXXX over and over again about this incorrect information. I have called and written them dating back from XXXX. 
I have provided accurate and up to date information regarding my auto loan which was paid satisfactorily and NOT INCLUDED IN MY BANKRUPTCY as XXXX continues to report causing a dip in my score. I have sent in documentation showing proof that my auto loan account was paid in full from the lien holder continuously but XXXX will not update the 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 non-monetary relief
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus. I have included my change of address card along with my md state ID .This is the 3rd time I have had to identify mysef and your system eoscar continues to give me a generalized response stating it can not identify me.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 REQUESTED VALIDATION FROM EACH BUREAU AS I RECEIVED THAT THIS ACCOUNT WAS VERFIED AS MINES I FILED A COMPLAINT ON XX/XX/23 WITH YALL CONSUMER FINANCIAL PROTECTION BUREAU AND GOT A RESPONSE THEY VERIFIED ON XX/XX/23. I THEN SENT AND ASKED FOR A METHOD OF VERIFICATION OUT TO EACH BUREAU ON XX/XX/23 WHICH I HAVE NOT GOT A RESPONSE TO MY DISPUTE. PLEASE RE-INVESTIGATE AND SEND METHOD OF VERIFICATION OR DELETE ASAP!!!! 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX 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. 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 2023-08-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax has a dispute stuck open on pending for three months now can u plz have them close the dispute the dispute number is XXXX plz have them close to is dispute thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. If CREDIT BUREAUS feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ; XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 ;

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 2021-11-13
Company: I.C. System, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on I.C. SYSTEM, INC Original Creditor : XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal 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
Consumer complaint received 2021-11-13
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: SANTANDER HOLDINGS USA, INC.
State: PA
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:
After several attempts to reason with a bank that is unreasonable, and certainly capricious in its operational practices, I insist upon explanation as to the conduct of Santander Bank with regards to both the XXXX and HELOC, the validation of both accounts, and the errors that Santander Bank has made and failed to rectify since XXXX, XXXX with regards to all accounts between myself and Santander Bank.

It has been documented, supported and admitted that " Santander dropped the ball '' in the Autumn of XXXX ; however, in the process of my attempts to rectify and relieve myself from Santander Bank, I have been met with the greatest level of discourtesy, and certainly ( XXXX )/ ' business practices, that lead me to full and complete distrust of Santander Bank . IN the present, this is most evident in the rejection of payment in a letter from Santander bank dated XX/XX/XXXX with a return of funds equal to {$500.00}, and the refusal to place policy into writing regarding the payoff and expectations of performance by Santander Bank to me in advance of full payment. It is no wonder why Santander Bank has such a poor reputation ; however, to have found such letters of inteniion from Santander Bank online lends supportive evidence to distrust. Furthermore, a healthy suit to the tune of {$10.00} XXXX dollars due to Santander 's mismanagement of fraudulent behavior regarding XXXX is a fact that is inescapable. 
I particularly draw my attention to the poor behavior and indifference as received from XXXX XXXX, XXXX XXXX, and XXXX XXXX of the Santander Collections Department. 
Furthermore, the fact that a confirmation # XXXX on XX/XX/XXXX has never been responded to by Santander Bank. " Respect '' is the last word that should ever be associated with this bank, so much so that the XXXX XXXX XXXX PA Attorney General could not resolve the matter ( XXXX ). 

Additionally, as I understand it, the fact that Santander remains placing this " charge off '' on the record after this considerably lengthy time period is likely in violation of certain provisions of the consumer protection law.

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 2021-01-29
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been having a problem with Quicken Loans and their timely processing of my mailed payments. On this latest occasion I sent a mortgage payment on theXX/XX/XXXX. Quicken did not process the payment until XX/XX/XXXX! They are not only charging me a late fee but sending me a delinquency notice! I understand the problems created by the last administration has created unreasonable delays with the U.S.P.S. But let me describe a company that is more efficient and responsible than Quicken. I have a bank card through XXXX  XXXX XXXX their payment normally only takes only two days to process and this payment to XXXX Texas. During this disruption of the Post Office my current payment still only took four days! The Quicken depository is in XXXX..! 9 days for this process to complete. I believe that this action by Quicken Loans is a form of harassment for complaining about another fee of {$50.00} that Quicken attempted to charge me because another loan company was asking for a credit rating about me. When I took out the original XXXX loan this potential fee was never revealed to me. I want these late fees tobe expunged, the real reason for this and a commitment be the company to quit harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2022-10-21
Company: Experian Information Solutions Inc.
State: TX
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 submit this compliant for myself and myself only I am a victim of Identity Theft I have attached the 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 non-monetary relief
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX OF XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX SC XXXX These inaccurate reporting account an comments Is a violation To The law. 

Comments : Payment after charge off/collection Paid profit and loss Unpaid balance reported as a loss by credit grantor. 
Amount in high credit original charge-off amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two 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 first investigation and subsequent reinvestigation, 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 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 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 15 USC 1681n & 15 USC 1681o ) 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 verified or deleted immediately. 

account number XXXX XXXX XXXX XXXX XXXX {$21.00} ( Paid ) In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX XXXX has been reporting on my TRANSUNION credit report since XX/XX/2018. I have never done any business with this company. I dont know who this company is. I need this inquiry completely deleted from my credit report immediately please.

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