BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion is reporting inaccurate information on my credit report.They are reporting a XXXX XXXX XXXX XXXX account that was open fraudulent in my name.Ive call the credit Burea and the company and no one want listen to me, They keep brushing me off.

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 2023-02-01
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: Investigation took more than 30 days

Complaint:
" On behalf of myself, I'm submitting this complaint myself and there is no third party involved. I'm writing this complaint based on the bureau 's failure to respond to my letters. I have been trying to get in contact with ( put the bureau name here TRANSUNION .for the past 45 days and I have not received not a single response for the past 45 days. Please respond to my 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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that these are being reported efficiently as per the Fair credit Reporting Act regulations. I have done attempts to reach out the XXXX, XXXX and TransUnion Credit Bureaus but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXX, FL XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, ACCOUNTS : XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date OpenedXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$460.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00}, XXXX XXXX Date Opened : XXXX Balance Owed : {$1800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00},

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 2016-06-04
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I have a XXXX XXXX credit card with US Bank. I have been discriminated against. I do n't know why. Around last year, they ended one of the perks that was promised when I signed up for the credit card - it was the book one night get one night free. As compensation for discontinuing this perk, they were crediting account holders with free nights. I thought this was applicable to all account holders so I contacted them to ask why I was n't credited with free nights. They denied giving me any free nights. They provided no reason as to why I was denied. I know for a fact that they compensated other account holders. It 's an arbitrary and discriminatory system as to who they chose to give the free nights to. This should n't be the case since their removal of the perk affected all account holders equally. Unfortunately, I was one of the ones who they felt did n't merit fair and equal compensation. 

I 've been a loyal card holder that has never been late with my payments. I do n't know why I was singled out and discriminated against.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: MO
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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-31
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Please refer to Consumer Complaint No. XXXX, in which Square admits guilt and fault for not refunding me the monies owed. With that complaint, Square elected only to refund the {$370.00} and not the additional {$710.00} still owed. I do not know if this is being done maliciously by Square or if the individual handling the previous claim elected to just go the easy route.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 mentions a consumer reporting agency can not furnish an 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 2023-09-19
Company: Experian Information Solutions Inc.
State: MD
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 is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  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 2023-10-07
Company: EQUIFAX, 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 hope this letter finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to correct a late open account that is still erroneously reported on my credit report. Despite my diligent efforts to rectify this issue, I am disappointed to find that it continues to adversely affect my creditworthiness. 

I first contacted your agency to report and dispute a late open account on my credit report that I believe to be inaccurate. Since then, I have made several subsequent attempts to resolve this issue by providing all necessary documentation to substantiate my claim and following your agency 's dispute procedures diligently. 

Regrettably, despite my persistent efforts, the late open account remains on my credit report, causing significant harm to my credit score and overall financial stability. This inaccurately reported account negatively impacts my ability to secure loans, housing, and employment opportunities, and it has eroded my trust in your agency 's ability to maintain accurate credit reports. 

I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of the late open account. It is imperative to emphasize that this discrepancy is not a reflection of my financial responsibility, but rather a recurring error on my credit report. 

I urgently request that you take immediate and definitive action to correct this inaccuracy by removing the late open account from my credit report. I have provided substantial evidence to support my claim, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the correction has been made. 

Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Ensuring the accuracy of credit reports is paramount for maintaining trust and confidence in the financial system. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to correct this late open account immediately : XXXX XXXX XXXX : {$900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector refused to help or hear me out on the facts. Also refused to give any contact information to anyone else whom could help me. In XX/XX/2019, I had a new contract made with my ex partner with the apartments so my credit wouldnt be affected he was given the new contract in XX/XX/2019 by the administration in apartments. I was no longer on the lease he was. Now Im being charged for a debt that isnt belonging to 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 2023-09-19
Company: Experian Information Solutions Inc.
State: NC
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 bureau continues to publish addresses thats not mines and versions of my name thats not mine. Then, this bureau uses the addresses to verify fraudulent accounts thats not 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 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB XXXXXXXX  Experian XXXX XXXX XXXX XXXX TX XXXX RE : to dispute inaccurate information on my credit report After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. 

I AM REQUESTING COMPLETE DELETION BASED ON YOUR INVESTIGATION. 


Please investigate the following accounts : Bankruptcy XXXX  XXXXdischarged Reference number : XXXX -all accounts listed below are related to the bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate. PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit le is a violation of my rights. 


Please DELETE ALL LISTED ACCOUNTS IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. 


Thank you, 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 2015-11-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
wells fargo sent a new card to an address that is not mine and did not request refused to take false address off my account. refused to resolve problem or help me find the person that canceled my card and had a new card sent to them. told me they could not take false address of my account. no help offered status of account. do not know if crook is out running up charges on my account or not .the crook has total control they claim I can do nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-17
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023 I requested that my property tax escrow be closed so I can pay my taxes directly. 

On XX/XX/2023 I spoke with XXXX who said that the refund needed a few days to be processed. 

On XX/XX/2023 I spoke with XXXX who told me that the check had been processed and mailed. 

On XX/XX/2023 I called to ask where the check was and spoke with XXXX who said that the escrow analysis had not begun and it would be 7-10 days for them to even recalculate how much money is owed me, then they can mail the check after that. 

This means that XXXX did not tell me the truth on XX/XX/2023 when he said the check had already been mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CREDIT ACCEPTANCE CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was approved for a {$35000.00} loan for a XXXX XXXX XXXX with XXXX miles on it at purchase time which was in the month of XX/XX/XXXX. My monthly payments were {$850.00} a month. I did this with the understanding that this would improve my credit and overall help me even though my monthly payments were so high. I managed to make it seven months. I had employment change which i called and they did not offer any type of payment arrangement for me at that time. I got behind on my car loan, I then called again begging for a solution. That when I was told that I just needed to surrender the vehicle. Which I did. My car sat and they just kept sending me late bills and no one ever came to get it. I called multiple times thereafter and at each call they were just seeking payment for my past due balance and I had to explain each time that I had already surrendered the vehicle a month prior. To which i went through the entire process of setting that up and still yet another two weeks went by. They just finally picked up my vehicle yesterday XX/XX/XXXX after I called wondering why it has taken three months and multiple calls to get my car picked up to auction off. I am very upset and saddened that I paid consistently an insane amount of money only to be told they couldn't work with me when i had sudden health issues and job change. Now I am not only out a large amount of money, my credit is ruined and I no longer have a vehicle of my own as a mother to children this is very discouraging. This was my way to rebuild and they made it impossible. There isnt enough help for us middle class people trying to live life by a number to have anything in life, a.k.a a credit score. Someone please help 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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX ; Account Number : XXXX This account has an inaccurate reporting because the date Last Reported on Experian is XX/XX/XXXX while on XXXX is XX/XX/XXXX and XXXX is XX/XX/XXXX XXXX The Date Last Active is XX/XX/XXXX on Experian, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX, not all these dates differ and are inaccurate. The Date reported of Last Payment is inaccurate as well XXXX says XX/XX/XXXX, XXXX is XX/XX/XXXX and XXXX is XX/XX/XXXX. As for the Date the account was opened, this information is inaccurate as well ; Experian is XX/XX/XXXX, XXXX is XX/XX/XXXX and XXXX is XX/XX/XXXX. The creditor 's contact information is missing.

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