BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I 've been a victim of identity theft and someone tried to obtain credit using my name There are several inquires on my credit report as of result of that and I 've tried calling and disputing these inquires with the credit bears and they are not helping despite the fact I have been a victim of identity theft. They only thing they did is they 've put a fraud alert on my credit file but not willing to remove the inquires which hurt my credit. Please helming thanks.

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 2015-11-30
Company: Delbert Services
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Investigator XXXX XXXX and XXXX XXXX of XXXX XXXX disclosed personal information to my mother, my sister and a friend regarding my debt. They also threatened it was a crime and they would send " the authorities '' to collect the debt as well as garnish my wages. They solicited payment of {$1100.00} from my mother and automatically debited another {$1600.00} from her account ; total of {$2700.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Because of the retrieval constraints for my credit report, and then unauthorized " Security Freeze placed on my report by TransUnion, I am again electing to place this dispute through this channel - to eliminate the XXXX steps Trans Union, has placed in my path. 

XXXX, XXXX XXXX has been CLOSED since about XX/XX/2015. The account is not reporting as closed - rather it is simply flagged as PAID. 

Please update the DISPOSITION to Reflect its PAID and CLOSED state Please verify the Last Payment Date and the CLOSED Date Please ensure the PAY HISTORY is ACCURATE, Complete and not in conflict with the account OPEN DATE and the CLOSURE DATE OR, if it is not possible to verify - document and share the same, and please DELETE THE TRADE LINE

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 2022-08-25
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 am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXDate Opened : XX/XX/2018 Balance : {$0.00}

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 2020-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
Capitol One is falsely reporting I owe on an account that was closed in XX/XX/XXXX. At the time I closed the account, there was a XXXX balance. In fever of XXXX, they send an email saying I owe them over {$100.00}. Called them and asked how's it possible that I get no notification of any outstanding balance until XXXX. No response. This is just one current issues. Previously, they tanked my credit because without warning they sided with the vendor on a dispute and did an out of cycle update to my credit report. I paid off the card and asked them to update my report out of cycle as they did to their benefit. They would not, so I closed the account immediately. If they can do an out of cycle update to benefit them, they should return the favor. They didn't. I verified there was nothing left in three account when I told them to close the account. 

They will NEVER be in my wallet again. 

Please fix this by having them remove their XXXX my credit report. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: FL
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, Everything has to be 100 % accurate on my credit report.

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal.

They violated my rights under the 15 U.S.C. 1681, Section 602 A states I have right to privacy.

15 U.S.C 1681 Section 604 also states that Consumer report agencies can not furnish my account without my permission.

They also violated my Hippa rights.

I had no knowledge or consent of my medical info being disclosed.

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 2022-07-13
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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX and I'm submitting this and this isn't any influence and this is not a third party. TransUnion, XXXX and XXXX has low and unfair credit number for me in their reports. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. Transunion paints me as a XXXX XXXX my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop and I made this clear for 60 days straight with Transunion, XXXX, and XXXX when I spoke to a representative agent for Transunion name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. 
They refused or were unable to verify and remove the inquiries and its been 60days and they record the calls and admitted they had my police report, ftc, and affidavit. That was after attempting to contact Transunion more than 21 times. Transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer and now I'm XXXX and can't provide for my children PLEASE HELP ME PLEASE and I'm XXXX  now.

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 2022-07-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: TN
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( XXXX ) of the XXXX, these accounts must be removed within XXXX business days of reciept of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
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:
Identity theft victim

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 2020-03-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Before the news came out about a decade ago, that Wells Fargo was criminally opening fake accounts, I submitted a complaint to CFPB about 5 accounts, in my name and SSN, that we opened up fraudulently. These accounts had a New York address. Later, the world found out that it was not just me, but that Wells Fargo was committing this crime on a regular basis. 

Yesterday, I receive a mailing from Wells Fargo, about opening up new accounts. It was addressed to my current address in Georgia, but IT WAS ADDRESSED TO XXXX XXXX XXXX. I am NOT Mr. 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 2016-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX/XXXX/2016 URGENT!!!!!!! 

THIS CALL NEEDS TO GO TO YOUR COSTOMER SERVICE DAPARTMENT!!!!!!! 

XXXX XXXX CHAPTER XXXX MUST BE REMOVED PER THE ORDER SEE ALL DOCS LAWSUIT FOR HAS BEEN FILED AND APPROVED YOU MUST COMPLY WITH ORDER SEE ALL DOCS READ PAGEXXXX OF DOCS COSTOMER SERVERICE HAS NOT CALLED ME BACK YET!!!!!!! 
YOU CAN REACH ME AT XXXX OFFICE OR XXXX CELL

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 2015-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
TransUnion refused to provide a copy of my credit report. The need more data - Like : a bank statement, copy of a SS card, copy of a birth certificate and on and on. XXXX did send a report, the data I supplied was good enough for them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a bankruptcy that appears on my credit report nit mine must be mixed file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Hello .My credit score went from XXXX to XXXX a XXXX point in one day with no apparent reason no late or missed payments the only different thing that happened within the last month is that i disputed XXXX charges from comcast of which i won both .i 've contacted Transunion and no one can answer me as to the reason behind this Im working towards owning my first home and this is a real issue for me. 

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 2022-03-17
Company: EQUIFAX, INC.
State: MO
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 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX XXXX XXXX the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the 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 2016-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because one was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did transunion allow such numerous companies to access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.

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 2015-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2014 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Last Year, XX/XX/XXXX, I was excited that I was Pre-Approved for My Companys VIP Program through Quicken Loans. 

I received a VERIFIED Pre-Approval on XX/XX/XXXX from Quicken Loan Originator XXXX XXXX ; on a 3 % Down Conventional Loan. 
I was also given verbal and email pre-approval on both FHA and USDA Loans. 

I specifically asked XXXX about the USDA Loan requirements. XXXX assured me that my DTI was within the limits for the USDA Loan. 
Specifically on a property at $ XXXX, XXXX informed me that my DTI  was at XXXX XXXX and still within the limits for all loan types ( FHA, USDA and Conventional ) After months of searching for the right property for my family and I ; on Wednesday, XX/XX/XXXX, I submitted my Purchase Agreement on New Construction in a Verified USDA Eligible Property. 
The weekend passed and I had not heard from XXXX on my Loan Status. 
Early Monday Morning XX/XX/XXXX ; I went to my Rocket Mortgage Dashboard and was excited to see my USDA Loan Estimate and The Intent to Proceed Docs uploaded to my file. 
I reviewed the loan estimate and signed/dated and submitted the XXXX to XXXX XXXX. 

Later, yesterday morning ; I received an email from XXXX, basically stating that my USDA Loan was not approved due to my DTI being too high. I was extremely disappointed with this news! I was relying on the zero down to reduce my out of pocket expense at closing. 
XXXX, then emailed me and stated I would have to go with FHA. I replied and asked what happened to the Conventional Pre-Approval @ 3 %?!?! 
After hours of waiting for a response from XXXX, she emailed and stated that she was working with her Director to get the Loan approved. XXXX stated, the loan currently is not going approved with XXXX or XXXX though everything about the loan qualifies.. 

Again, I was very disappointed with this process. In addition to my credit being pulled again by XXXX, after she informed me in XXXX that my credit would not be pulled again, even if my Offer Expired on XX/XX/XXXX. 
I was again disappointed to receive notification that they ( XXXXQuicken Loans ) had pulled my credit again!! 

All these months I have been working with my realtor, under the Actual printed copy of a Verified Pre-Approval of $ XXXX ; only to be given a USDA/FHA denial and run-around and inflated Conventional Closing Costs on a Conventional Loan. 

These Acts are VERY DECEPTIVE on Quicken Loans/Rocket Mortgage behalf! 
I have lost 4 Months in working with them. Time is of the essence for me that I can not get back. 

As a part of the VIP PROGRAM ; I was in no way treated in a VIP Manner in the end. 
XXXX even emailed me and stated, ... I do not make the rules, I just follow them.. 

I sent XXXX an email and also sent a message through my dashboard that I will not be proceeding with Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hard Inquires Listed Below -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 2015-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account was paid off and the company did not reflect this on my credit report and it needed to be updated once they have received there payment in full. 

Last Reported XX/XX/XXXXCreditor Name XXXX & XXXXAccount Type Charge AccountAccount Status Closed - DerogatoryOpened Date XX/XX/XXXXClosed Date XX/XX/XXXXLimit -- Term -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status Collection/Charge-OffWorst Payment Status UnknownDate of Last Payment XX/XX/XXXXAmount Past Due $ XXXXTimes 30/60/90 Days Late 0/0/0Remarks Charged off as bad debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation