BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
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: Public record information inaccurate

Complaint:
TransUnion has failed to exercise its grave responsibilities to report with fairness, impartiality, and respect for the consumer XXXX XXXX right to privacy, On XXXX XXXX XXXX manually disputed USBK COURT XXXX XXXX Docket number XXXX. On your website https : //www.service.transunion.com it states to learn the identity of the third-party vendor ( if any ) that collected the public record item ( s ) in this section, please visit https : //www.transunion.com/legal/public-records. I visited the site and it states in Bold Black letter Public Records. In the paragraph following it states that TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. 

On XX/XX/2023, I received dispute results from XXXX dates XX/XX/2023, it states in detail that XXXX filed my dispute regarding the following data with this listed entity. The listed entity the dispute was filed with being TransUnion Consumer Relations. The letter also stated as of the date of this letter XXXX has removed the dispute information from my file. 

However, TransUnion is STILL reporting a Bankruptcy on my consumer file. On TransUnions website, it states that XXXX provides TransUnion with this information about bankruptcy. 
XXXX has disputed the bankruptcy with TransUnion informing TransUnion that Bankruptcy XXXX has been deleted and TransUnion continues to respond stating that, Bankruptcy XXXX has been verified as accurate. How? 

If the FCRA states that credit reporting agencies must report with fairness, impartiality and respect for the consumer rights, and TransUnion states that they obtain information from XXXX this is proof that this account should be blocked, deleted, and removed. Who is TransUnion verifying this Bankruptcy with? Themselves? XXXX has stated its been removed. 
Bankruptcy XXXX is reporting inaccurately and needs to be DELETED from XXXX XXXX consumer file. I am also aware that TransUnion MUST report fair and accurate reporting amongst ALL THREE BUREAUS. XXXX and XXXX have BOTH deleted Bankruptcy XXXX and updated my consumer credit report please see attached documentation. I am demanding TransUnion to block, delete, and remove this bankruptcy. This is my last step before filing a Complaint for violating the law in federal court. 


Public Records USBK COURT XXXX XXXX Docket # 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 2021-11-23
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account in My maiden name and used an address I have not lived at in over 3 years

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 2023-03-30
Company: Experian Information Solutions 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$960.00} XXXX OF XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2021-11-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please review Attachment 1, a two page summary of my concerns with the Wells Fargo mortgage application process. Wells Fargo denied my requested mortgage product/terms after first lying about my gross monthly income. Wells Fargo deliberately decreased my actual gross monthly income by 21 % and then proceeded to use this inaccurate gross monthly income to calculate a XXXX of 67 %, twice my actual XXXX. Wells Fargo then declared that my XXXX was too large, above 50 %, and I was not qualified for the applied for mortgage credit product.

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 2021-11-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The negative accounts that need to be removed are still reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I was notified that I was apart of a Data Breach was in XXXX / XXXX from 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 2023-03-30
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 reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance XXXX {$25000.00}

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 2016-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I called Transunion 's customer service dept about inquiries that had been on my Transunion file. These inquiries were deleted and later reinserted without prior notification. TransUnion customer service would n't take care of it. 

Section 6:11 of the Fair Credit Reporting Act that states anything that is deleted from your credit report and reinserted, the consumer is given a 5 day notification after that item is reinserted. I never received any notification from TransUnion regarding the reinsertion and yet they refuse to remove the inquiries listed below. 
I would like these items to be removed immediately because they have violated my rights under the Fair Credit Reporting ACT. 

XXXX XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX Thank You, 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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company violated my rights YOUR 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 the following accounts XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Transunion has violated y rights with this information on my report under 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 2023-03-30
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 checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Balance {$380000.00}

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 2016-10-03
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a paid collection on my credit report from Franklin Collection Services , Inc listing an old XXXX XXXX XXXX account. I have spoken with several XXXX XXXX XXXX representatives that all express confusion over this collection and assure me it is a misunderstanding, there is no reason for Franklin to report this account at all, the account shows good standing in their system and they will contact Franklin and make sure the collection is removed from my credit report. I am attaching a payment confirmation XXXX XXXX XXXX sent me as well as transcript with an XXXX XXXX XXXX representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: ALLY FINANCIAL INC.
State: RI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
My car was repossessed by Ally Financial Inc . There was an outstanding debt on the lease in the amount of {$5900.00}. An agreement was made through their attorney, XXXX, XXXX, XXXX XXXX XXXX on XXXX/XXXX/15 to settle the outstanding debt for a lump sum of {$2000.00} which I paid on XXXX/XXXX/15. On XXXX XXXX, 2015 Ally Financial Inc. who had been paid the settlement still reported to my XXXX credit report that the account was still unpaid and past due in the amount of {$3900.00}. This erroneous reporting hurt my credit and caused monetary and emotional damage to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My credit report has been pulled and a hard inquiry has been left on all XXXX credit bureaus for many companies synchrony bank has pulled my report for ( twice ) XXXX penny, XXXX, and others against my permission

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 2016-01-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Dealing with Ally financial is a definite run around combined with being lied to by supervisors and representatives. I 've been dealing with complications since last month spoke to XXXX different representatives that gave me different information when it came to bringing my account current and getting a deferment to keep my car from being repossessed. The first guy named XXXX said I was eligible and he was about to give me directive when his system froze and he told me to call back. The second lady said I had to make a full payment the third said set up an online payment and the fourth set up payments on her end and cancelled them when I made a payment over the phone. I was told to wait until XXXX and file for my 60 day extension. I 've spoken to XXXX people one being a supervisor this month. On XXXX I spoke with XXXX and she told me her manager was aware of my situation and was going to approve my extension just to go ahead and make the partial payment by XXXX so I call for the final amount and code to express it and I 'm told it was denied and I need to make a full payment and I was n't notified or called about it I would 've made my partial payment to wake up to no transportation. So I speak to two other reps today and they say my account is going into review for repo tomorrow and their notes do not show they told me the manager was going to approve my extension and it was denied due to a payment that was scheduled in XXXX that came back returned and they apologized because my representative I spoke with in XXXX should have told me to cancel the set up I was directed to make online once I made my payment over the phone. The frustrating piece of it is the lack of information, no one called to let me know what was going on, I was made a false promise over the phone that was n't noted in the file and that 's funny because the calls are recorded but no one can get to those to be held accountable and I 'm being told to call back tomorrow and speak to the initial representative. Ally is only interested in repossession not working with the customer when they have emergency situations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: MI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$110.00} ; XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$400.00} ; XXXX XXXX  XXXX XXXX  : {$450.00} ; XXXX XXXX XXXX XXXX XXXX : {$720.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  : {$360.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX : {$530.00} ; XXXX XXXX XXXX  : {$71.00} ; XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
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:
My name is XXXX XXXX ... ... I have repeatedly sent supporting documentation in to all XXXX bureaus proving that I am not XXXX XXXX, my name is XXXX XXXX ... .all of of my reports says XXXX XXXX XXXX What more do I need to do to prove that this IDENTITY THEFT! This credit file needs to corrected, with proper name and addresses, all of these accounts need to be deleted immediately because they are not mine. I have submitted the Identity Theft affidavit and per the FCRA section XXXX, these accounts should be blocked and removed. My name should be corrected and address corrected immediately, I have received no correpsondence from either bureau!

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 2017-01-09
Company: American Credit Acceptance, LLC
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
American Credit Acceptance XXXX, SC XXXX On XX/XX/XXXX I received from American Credit Acceptance an Account Summary stating No Payment is Due Until XX/XX/XXXX. 

In a letter dated XX/XX/XXXX I received a letter stating I Owe {$800.00} for Late Payments. 

I have the Account Summary in writing stating No Payment Was Due until XX/XX/XXXX. 

The letter dated XX/XX/XXXX said if payment for full Amount of {$800.00} is not received by XX/XX/XXXX They plan on repossessing the car. 

I want an investigation into American Credit Acceptance For Criminal Investigation for Fraud. I purchased this Car paying XXXX. {$2000.00} down in Cash. 

Waiting for your reply. 

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