BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
had requested Transunion to investigate a credit inquiry for lease consultants dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to lease consultants. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

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 2022-08-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This complaint is related to complaint number XXXX with your agency. I am requesting every single banking fee refunded to my account from TD Bank with interest at the usury rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 accounts/ inquires cant be verified and need to removed from 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

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 2016-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!!

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 2020-03-18
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is regarding two companies known as Capio Partners LLC AND XXXX XXXX their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX of XXXX. An identity XXXX alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX, XXXX  and XXXX  credit file. This is not my account and i want it removed from my credit files permanently. 

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$93.00} {$93.00} Payment Info Original loan amount {$93.00} Balance {$93.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2015-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am at my wit 's end. There is an Item on my credit report that is an obvious error and I ca n't get Trans Union to fix it. I had a credit card with XXXX XXXX that was closed and paid off in XXXX of XXXX. Even Trans Union 's credit report shows account closed XXXX XXXX, last payment received XXXX XXXX, and a {$0.00} balance. However, they are showing a late payment almost two years later in XXXX XXXX. It does not take a genius to see that this is impossible. I have been disputing this information for about two years now and they will not fix it. This has caused me to be denied a mortgage and to pay higher interest rates. I 've been told the best way to fix this is to file a lawsuit but I am XXXX in XXXX so I ca n't do that right now and besides I would prefer to not take those measures unless I have to. This has become even more complicated now because XXXX XXXX has sold the account to XXXX. So XXXX XXXX can no longer see the account details and XXXX ca n't get it removed because they did n't make the report. Anyone with a little common sense can see that this is an error and that it 's not possible for me to make a late payment on an account that was paid off two years earlier. This is not right I should n't have to suffer for someone else mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: VA
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:
Equifax is in multiple violations of my consumer rights as defined by the United States Congress in 15 U.S.C 1681. Do not write me back telling me this is not me. This is in fact me and some consumers actually know and study the consumer laws.

My information was compromised in the 2017 Equifax Data Breach and I have made that very clear to Equifax. I have 3 unauthorized, inaccurate, and fraudulent hard inquiries that may have been a result of attempted identity theft. I did not grant anyone written permissible purpose as defined by 15 U.S.C. 1681b.

The three companies are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have spoken with the following reps with their Equifax ID # s provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and about 2 or 3 other reps just today alone. 

All of these reps have hung up on me, even while having the phone call recorded on my end for an attorney to listen to. I have communicated to them multiple times that they were being recorded and I have them recorded saying that it is an " internal policy '' that they don't talk to anyone that is recording a call when Equifax records every single call. I have asked them what Federal law requires them to hang up on me and no one has been able to give me a law because that XXXX  XXXX. I have been told that my SSN does not bring up an account for those with the hard inquiries so I should contact Equifax to have those removed and Equifax refuses to budge. 

They willingly continue to break the law and they do not even add in files that I have sent to have on my record. These inquiries, including soft inquiries, need to be removed IMMEDIATELY! They are not linked to any account and they are unauthorized, attempted identity theft, and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Genesis FS Card Services, Inc.
State: AL
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:
After checking my credit report there are multiple inaccuracies from this company like date last paid, balance, recent payment history, status, and even date opened. My main concern however is that I was NEVER late on this account I have reached out not only to this company directly but to the credit agency as well with no response I have made consistent payments month after month and I would like to have these inaccuracies fixed as soon as possible as this has severely hurt my financial my standing. Please update the missing payments to current

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Delbert Services
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
I live in Ohio and took a loan from Westernsky financial for XXXX at {$290.00} FOR 47 MONTHS in XX/XX/XXXX.They turned the loan over to Cash Call immediatly, After a few months I could n't make the payment, i ask for smaller payment, they refused. I stopped making payments due to medical bills. I retired on social security XXXX. Now XXXX debt collectors are harrassing family and friends for info on locating me. They have my address I wish for them to stop harrassment.They threaten me with lawsuits, and hastily I agreed to make payments of {$290.00} a month for 10 months starting in XX/XX/XXXX. I gave them my social security debit card, but had social security send me a new card so they could n't take out payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
After checking my credit report there are multiple inaccuracies from this company like date last paid, balance, recent payment history, status, and even date opened. My main concern however is that I was NEVER late on this account I have reached out not only to this company directly but to the credit agency as well with no response I have made consistent payments month after month and I would like to have these inaccuracies fixed as soon as possible as this has severely hurt my financial my standing. Please update the missing payments to current

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A SBA LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA 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 non-monetary relief
Consumer complaint received 2016-05-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. you should have this info at your XXXX GA XXXX XXXX closed account XXXX and closed XXXX account XXXX all credit inquires..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: 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 - Account # XXXX has violated my rights. 
XXXX - Account # XXXX has violated my rights. 
XXXX XXXX - Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone tried to obtain a Walmart credit card through Capital One Bank Capital flagged it and followed up with me via mail..applicant had my SSN and DOB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I received two notices that Flagstar Bank Mortgage needed a copy of my flood insurance renewal ( they took over servicing earlier in the year ). I sent a copy via their XXXX and subsequently faxed over a copy also. They claimed non-receipt due to fax and uploading problems so I repeated the process being assured by phone reps that would resolve the problem. On XXXX XXXX, I received a second and final notice about this insurance. I called the company again and was given a secret special fax number. I then reuploaded the insurance document of flood insurance from my HOA with my unit number posted clearly and also faxed it to the regular fax and special fax twice. I called again and was told it was not received again. I received a letter dated XX/XX/2020, that a l ender placed flood insurance for {$2000.00} had been charged to my account. I called Flagstar insurance division on XXXX XXXX, and spoke to XXXX for over an hour while she researched my account and " found '' the document. She reassured me, as had prior reps that it would be resolved in five business days. However,, it is never resolved and I never receive anything but form letters threatening or charging me {$2000.00} for lender placed insurance. I have now submitted the requested insurance information 13 times wihout avail. This appears unfair and either grossly negligent or fraudulent behavior.

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 2022-08-26
Company: Genesis FS Card Services, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the fair credit reporting act XXXX  Account XXXX, has violted my rights 15 USC 1681 Sections 602 States I have the right to privacy 15 USC 1681 Section 604 States 2 : It also states a consumer reporting agency can not furnisha account without my wriiten instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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: 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 - Account # XXXX has violated my rights. 
XXXX - Account # XXXX has violated my rights. 
XXXX XXXX - Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

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 2022-03-27
Company: EQUIFAX, INC.
State: VA
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:
Equifax is in multiple violations of my consumer rights as defined by the United States Congress in 15 U.S.C 1681. Do not write me back telling me this is not me. This is in fact me and some consumers actually know and study the consumer laws. 

My information was compromised in the 2017 Equifax Data Breach and I have made that very clear to Equifax. I have 3 unauthorized, inaccurate, and fraudulent hard inquiries that may have been a result of attempted identity theft. I did not grant anyone written permissible purpose as defined by 15 U.S.C. 1681b.

The three companies are : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have spoken with the following reps with their Equifax ID # s provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and about 2 or 3 other reps just today alone. 

All of these reps have hung up on me, even while having the phone call recorded on my end for an attorney to listen to. I have communicated to them multiple times that they were being recorded and I have them recorded saying that it is an " internal policy '' that they don't talk to anyone that is recording a call when Equifax records every single call. I have asked them what Federal law requires them to hang up on me and no one has been able to give me a law because that bull crap. I have been told that my SSN does not bring up an account for those with the hard inquiries so I should contact Equifax to have those removed and Equifax refuses to budge. 

They willingly continue to break the law and they do not even add in files that I have sent to have on my record. These inquiries, including soft inquiries, need to be removed IMMEDIATELY! They are not linked to any account and they are unauthorized, attempted identity theft, and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, I was notified by my Experion Credit app that I have a collection on my near perfect credit from an energy company, XXXX XXXX, ( which I DID NOT authorize or apply for, in a city I do not live in ), in the amount of {$2900.00}. The account was apparently opened on XX/XX/2022 and was reported to my credit as being deliquent and in collection in XX/XX/2022. On XX/XX/2022 I called XXXX to report identity theft and fraud with this collection debt. XXXX told me that I needed to file an Identity Theft Report with the FTC and my local police department then upload the document to XXXX 's docucenter for their files. I also called the collection agency known as Online Information Services to notify them of this fraudulence and identity theft. They provided me the original account information as well as the address to where the XXXX XXXX was providing service. Online Information Services, the debt collector, also told me I will need to fax XXXX XXXX the Identity Theft Report and they provided the fax number.

Company response to consumer: Closed with non-monetary relief