BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00}

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 2021-08-21
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:
Unauthorized accounts without my signature causing credit to be below average.

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 2020-10-12
Company: Experian Information Solutions Inc.
State: NJ
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:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20, XX/XX/20 AND XX/XX/20

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 2022-09-26
Company: Experian Information Solutions Inc.
State: TX
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 Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX Account # XXXX Amount {$610.00}, XXXX XXXX XXXX Account # XXXX Amount {$650.00}, XXXX XXXX XXXX Account # XXXX Amount {$210.00}, XXXX XXXX XXXX Account # XXXX Amount {$910.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$1900.00}XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Amount {$800.00}, XXXX XXXX XXXX Account # XXXX Amount {$490.00}, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX Amount {$48.00}, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. I demand the accounts listed below be removed because 15 U.S.C 1681 Section 602 A. States that 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 an account without my written instructions. I did not give Experian, XXXX or XXXX permission to furnish these accounts. 

15 U.S.C 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 explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NJ
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'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 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 explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as latPlease see the attached documents to understand what had happened.e.

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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2021-11-01
Company: EQUIFAX, INC.
State: NV
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This company has lied about their secured credit card program. I have had this card for 5 years come XXXX and it is still a secured card! To put this in perspective I got a secured card from XXXXr two years ago and my limit with them is now {$5000.00} on secured. I make {$160000.00} a year and my credit score is in the mid to high XXXX. They refuse to switch this card over or increase my credit limit no matter what. I have a perfect payment history which I've attached. More data can be provided. They are scamming customer to contiue to collect a higher interest rate. If you look at the complaints about this particular card and particular company from XXXX to other research you will see that this is the number one complaint from people. They're scamming people to get into this card and then they never let them out of it as their terms dictate. The scam must stop! My card is paid off in full monthly. They also send me these bizarre letters about me speaking inappropriately to their customer service Representatives when I never call their customer service Representatives and I haven't spoken to them and over a year or more. They also never let people dispute any charges easily nor do they provide the right Clarity on the process to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: National Credit Adjusters, LLC
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:
I have already reported XXXX XXXX to this institution consumer finance and to XXXX  XXXX  and XXXX  and somehow they keep sneaking in and adding the same debt that was reported and not confirmed to all 3 comapnies after all 3 companied removed them can someone please explain why these companies can keep sneaking in debt as collections after all 3 XXXX  XXXX  and XXXX  have removes them in the past. As a matter of fact consumer finance already has a report on XXXX XXXX. This is outragous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the account with XXXX several times. Due to not receiving any evidence that the account reporting was correct, I continued to dispute. The credit bureaus subsequently declined to further investigate based on the initial investigation. It is my legal right to receive verification that a debt on my credit report is mine. Despite the fact it is showing a paid collection, I need to see verification that this debt was initially mine.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2020-09-15
Company: I.C. System, 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:
I was checking my credit report in XX/XX/2020 due to an alert from XXXX  about an updated account on my credit report. When I logged in to identify the account, I noticed 3 collections on my 3 credit reports that I did not authorize.

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 2021-11-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My ex wife & I filed for divorce in 2009. She took out a credit card in my name, under her business name, with her business address. This cared was not submitted in the divorce & she is refusing to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: NY
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
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 my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.

Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( F ) Reporting information during COVID-19 pandemic.

( i ) Definitions. In this subsection : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period.

( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XXXX XXXX XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

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 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below account from my XXXX, XXXX, and TRANSUNION credit report ( s ). This account is fraudulent and unverifiable. 

XXXX XXXX XXXX This account is unverifiable, fraudulent, and is violation of my consumer rights. Requesting to permanently remove this 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 explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
With respect to XXXX XXXX  : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. I am writing this today insisting to delete the following unauthorized information below in my file. These accounts being reported are fraudulent. I never gave this company written consent to report anything on my credit report nor did I give this company written consent to have access to my consumer report at all. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) Cc : CFPB 1700 G st NW , Washington , DC 20552 FTC XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Attn General XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa 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 2023-09-11
Company: EQUIFAX, INC.
State: CA
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:
XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. 

The account listed XXXX XXXX Account # XXXX. 

Last Verified : XX/XX/2020 -- -- Date of Last Activity : XX/XX/2020 XX/XX/2020 XX/XX/2020 Date Reported : XX/XX/2020 XX/XX/2020 XX/XX/2020 Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Closed Date : XX/XX/2020 -- -- Account Rating : Transferred Closed Transferred Creditor Remarks : Purchased by another lender Purchased by another lender Account transferred or sold Real Estate Mortgage Account Type : FHA real estate mortgage FHA real estate mortgage Real estate mortgage 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Got a car from XXXXXXXX XXXX XXXX that car was not working so I took it back to them. I called wellsfargo to advise them that I am no longer in that car they was trying to get me a new one. I was without a car for over XXXX  months and wellsfargo made me make payments anyway. I didn't have that car XXXX  days. It was back at dealership and wellsfargo knew 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 explanation