BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-08
Company: CL Holdings LLC
State: GA
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:
Nothing has happened. There still reporting inaccurate information and accounts on my report. I have reached out certified mail on several occasions with no results. The last time I've reached out was XX/XX/2023, providing proof of with my certified dispute letter, ending with no results from any of the credit bureaus. 

This collection that is reporting on my credit report from this company was under a lawsuit. I was one of the customers that was under the multistate XXXX settlement lawsuit. This loan was supposed to be removed from all 3 credit bureaus and I was paid out a settlement check. Those were the agreements within the lawsuit. I have proof that restitution was paid out to my account from this lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance XXXX {$4600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$26000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX Bankruptcy XXXX Filed/Reported : XX/XX/XXXX Reference # : 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 2023-10-06
Company: Experian Information Solutions Inc.
State: SC
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2022-11-19
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: Credit inquiries on your report that you don't recognize

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 XXXX XXXX XXXX. 

ACCOUNT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681- ( A ) - ( 4 ) : THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. 

XXXX5 USC 1681-SECTION 604-A : SUBJECT TO SECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES.

15 USC 1681 SECTION 623 : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. ( 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR CONSCIOUSLY AVOIDS KNOWING THAT THE INFORMATION IS INACCURATE.

15 USC 1681 B- ( C ) ( 3 ) Information Regarding Inquiries-a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is initiated by a consumer.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-05-14
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: Account information incorrect

Complaint:
This is a follow up to investigate and correct the following inaccurate items from my credit report issued by credit reporting agencies. The items must be removed to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As Required by the act i demand you re-verify these items and validate these are my debts and that the inaccurate items will be deleted from my credit report. The attached documents from my credit report prove inaccuracies with payment dates and payment history on closed accounts that are also showing up as a collection account on my profile. Can these accounts please be validated so i can fully understand these tradelines. 

XXXX XXXX XXXX XXXXXXXX {$6100.00} opened XX/XX/XXXX XXXX  XXXX XXXX XXXX {$9800.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$6100.00} opened XX/XX/XXXX XXXX & XXXX XXXX {$470.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$10.00} opened XX/XX/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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Transunion recently reported an illegally re-aged account from XXXX  on my credit report. I disputed this with both Transunion and XXXX XXXX XXXX ( the collection agency that reported it ). I sent proof of the age of the account and the fact that it was illegally re-aged and while XXXX XXXX XXXX investigated this and found that the account was not able to be legally re-aged ( and thus sent the account back and closed the collection account ), Transunion claims that they investigated and found the information accurate. The date was changed from XXXX  to XXXX of XXXX this is well over the XXXX year reporting limit for negative information and also illegally re-aged the debt. I sent proof of the age of the debt to Transunion, but they did not remove the illegally re-aged account. I am in the middle of applying for a mortgage and this has destroyed that chance for the house I was hoping to buy. I am attaching proof that the age of the account was sent by certified mail, as well as XXXX XXXX XXXX 's message, stating they are closing this account due to the incorrect information given to them by 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 2023-10-15
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was recently robbed of my phone which led to multiple unauthorized charges on many of our accounts. I use this XXXX credit card to pay my rent and due to all my accounts being locked, I was trying to use the XXXX card. I wanted to make a minimum payment that would allow me to stay current on my account. I used a separate checking account that would allow me to pay my balance on the card. I used the credit card 's automated system to connect my checking account to my credit card. I reported the fraud on my XXXX card and I asked for a replacement card and made my minimum payment. I am unsure of what happened next and the next time I called the credit card company, they said my account had been closed and offered no explanation. The letter I received provided no further explanation. I can't see the balance on my account or anything like that. I am attaching a police report that provides the timeline of these events.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXXXXXX XXXX - Loan # XXXX Pay off amount - XXXX $ In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2023-09-10
Company: Rozlin Financial Group, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from RFGI stating that I owe money to them for XXXX 

I have not been a customer of XXXX for some time and cancelled my subscription. RFGI has not provided any proof this debt.

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 2023-10-27
Company: Statebridge Company
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have not received monthly statements on my open-end mortgage/HELOC that is currently being serviced by Statebridge since XXXX of XXXX. On XX/XX/XXXX, I requested a copy of the Note via a request for information. The Note was not provided in the company 's response. 

There was a delinquency on the account but, in XXXX of XXXX, my loan was reinstated via PAHAF funds. The good-through date on the reinstatement was XX/XX/XXXX. As of that date, I began calling Statebridge, the servicer, to request monthly statements and to request the ongoing amount owed and the date that I would need to make payments. On XX/XX/XXXX, I was informed by a representative named XXXX in the loss mitigation department that there is a cease and desist status associated with my account and that I needed to follow up with a representative named XXXX. As an aside, I have probably called Statebridge 15x in the past year and have always been referred to XXXX and have only been able reach him one time. Since the XX/XX/XXXX call, I have tried to follow up with him numerous times and received no response. I was told that my ongoing P & I payment is $ XXXX, but I do not know the interest rate, as I have never been given the Note. I asked for a copy of the Note again via Request for Information sent on XX/XX/XXXX and have not yet received a response. In that same RFI/NOE, I requested to receive monthly statements, as there will be no way for me to keep track of the loan without the Note and the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an account of XXXX XXXX  and my friend has an account of BOA. I sent her XXXX dollars through Zelle transfer on XX/XX/XXXX. Money was immediately gone in my XXXX XXXX  account but was never delivered to my friend XXXX  account. We tried to ask XXXX but they said they could do nothing. We tried to ask XXXX XXXX  for dispute the transfer, but they have no response yet. We tried to contact Zelle, but can not. Please help me with the issue. I would like to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was late in making a payment. I submitted payment to pay off the account balance in its entirety. After I made the payment they processed interest due on the late payment. They reported that interest due as the account being delinquent to the credit reporting agencies. 

I called Bank of America and spoke with their customer representative and went through the sequence of events and asked why my account was reported as delinquent, when it clearly was never delinquent. His response after reviewing the account information was that he could see the account was paid but their systems are set up at corporate level and he could nothing about it. I asked to speak to a supervisor, was told none were available but one would contact me within XXXX hours. I never received a follow up phone call from anyone at Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have told XXXX, transunion and XXXX that I was a victim of identity theft. someone was even filing taxes under my name. I have a report number of identity theft with the irs, also have a report of identity theft on the federal trade commission on identitytheft.gov and that report number is XXXX they are reporting all these accounts as verified XXXX 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 explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: AR
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 hope this letter finds you well. I am writing to file a formal complaint regarding multiple requests to correct late open accounts on my credit report, which have caused me significant frustration and concern. My name is XXXX XXXX, and I take my financial responsibilities seriously. 

Upon reviewing my credit report from Credit Bureaus, I have discovered several instances where open accounts are listed as late or delinquent, which are inaccurate and damaging to my creditworthiness. The credit report shows that several accounts were opened at a later date than they were actually initiated. This incorrect information implies that I have been responsible for late payments on these accounts, which is not the case. 

Negative Impact : These inaccuracies have had a detrimental effect on my credit score, making it more difficult for me to access credit and achieve my financial goals. I have always made timely payments on my accounts, and these inaccuracies do not reflect my credit history accurately. 

Frustrating Discrepancies : I have made multiple requests to correct these inaccuracies with 3 Credit Bureaus, but the corrections have not been reflected on my credit report despite assurances that they would be updated promptly. 

I understand the importance of having an accurate credit report, as it is a critical factor in determining my financial well-being. These inaccuracies have caused me undue stress and frustration, and I believe it is essential to address them promptly. 

I kindly request that the 3 Credit Bureaus take immediate action to investigate and rectify these issues on my credit report. They have to correct the inaccurate reporting of late open accounts to reflect the correct opening dates, update my credit report to accurately reflect my payment history and creditworthiness and provide me with a revised and accurate credit report as soon as possible, showing the necessary corrections. I have attached copies of my credit report highlighting the inaccuracies for your reference. 

I trust that Credit Bureaus will take the necessary steps to rectify this situation promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. Specifically, I request the following late open accounts to be corrected right away : XXXX XXXX XXXX Balance : {$97000.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$2900.00}.

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 explanation