BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Charge-off is considered a certificate of indebtness so it's now income and income can not be reporting to my report as you can see with my XXXX account XXXX is reporting as a charge off. According to 15 USC 1681b permissible purpose of consumer reports I didn't give these agencies written consent to add any inquires to my consumer report I did not give this authorization that is a violation of the Fair Credit Reporting Act. So all inquires need to be remove. Any it's illegal to report transaction. 15 USC 1681s-2 ( A ) ( 1 ) states " 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. As you can see each account has inaccurate information and each account need to be deleted from my credit report. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of the title. XXXX, XXXX, and TransUnion are not maintaining reasonable procedures.

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 2023-10-25
Company: EQUIFAX, INC.
State: GA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: BUSEY BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Busey Bank had been data breaching my account for over two years now but now it has no information about the issue and the problem has not resolved it has not resolved my concern and has not been fixed for a long period now. Cash flows are not being handled or processed by anyone else in this area and they have been suspended from the bank account for over two weeks and are still being processed and reprocessed as payment processing is done ongoing and continually being reprocessed as needed for the purpose of the transaction to continue to occur as the transaction has not occurred yet in a proper legal proceeding or the process has not occurred at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number 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 2023-11-22
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
When I filed for a divorce from my now XXXX XXXX XXXX XXXX XXXX XXXX all of my bank accounts began to be drained. He told me I was to stop the divorce or Id be sorry. I was paying Experian {$24.00} a month to keep me somewhat safe? Nope. He took every XXXX  I had, and my business had in the bank. He even told on himself. Sending me a random text in XXXX XXXX XXXX I have the texts still. I was so confused. Where was all my money going. Welp, he told me exactly where it was going. He was stealing checks, forging my signature, and cashing them. He told me before I even figured it out.! I called Experian. I had the insurance so I was assured everything would be fine. They were so sorry such a thing could happen. Well, it did, over and over and over again!!!! Experian sent me paperwork, I filled it all out. Never heard one peep out of them. Now here I am, 5 years later, 6 separate accounts, 3 separate banks. All hacked, all drained. He took the last of my money in XXXX XXXX XXXXXXXX I filed a police report like always, I filled out the stupid affidavits. He stole over {$500000.00} from me in just that short of time. Nobody cares. My credit is in the toilet, I am now homeless because he took my name off the loan to our home back in XXXX. I had no idea. The lender wouldnt even speak with me. XX/XX/XXXX, I lost my home. Then XX/XX/XXXX I lost my business I had for 24 years. Just like he said I would. He took every single XXXX I had. Never paid any of the court ordered maintenance, and I was paying Experian for what exactly??? Nothing seemed odd when XXXX XXXX XXXX XXXX XXXX  was flying out of my accounts every single month? When I never. Ever did that.!! What was I paying for? I am XXXX, XXXX, and it would have been nice to be notified something was not right!!! I want Justice

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Balance : {$880.00} XXXX XXXXXX/XX/2023.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion has harmed my credit worthiness, yet again! I am XXXX XXXX XXXX the consumer, in fact. On XX/XX/2023, Transunion allowed XXXX XXXX XXXX to report an un-investigated report that XXXX communicated they received from XXXX. This is the 2nd collection agency that XXXX has sold my personal information to without MY written consent and MY knowledge! Transunion has a grave responsibility to make sure that my credit report shows accurate information and not harm my protected right to privacy.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6500.00} XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
While checking my TransUnion credit report recently I found out that the following inquiries has been made on my credit report are without any of my knowledge or consent. I believe I am victim of identity theft. So I am asking the agency to remove these inquiries as soon as possible. Thanks. 

XXXX  ( Bank ) - XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2023-11-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I refinanced my home with Carrington Mortgage Services , LLC in XXXX, and they required me to purchase flood insurance for an outbuilding on my property despite my previous lender waiving it as my residence itself was clearly outside the flood plain. On XX/XX/XXXX, that particular outbuilding was completely destroyed in a fire. After sorting everything out with my home insurance company, I contacted Carrington to request the removal of the flood insurance requirement as the building in question no longer existed ( they were well aware, as they were notified of the loss from my insurance company and named on the settlement check itself ) and as this was in the time period where building costs went through the roof we were going to be unable to rebuild. I had to call back numerous times and tried various representatives, and they all told me the same thing : they can not remove the requirement, and I have to continue maintaining the ( at the time ) minimum {$50000.00} coverage on the " structure ''. One of the representatives finally told me to try calling the flood insurance provider directly as Carrington doesn't control that. I tried, and was told by the flood insurance representative that they also could not do anything about it, as it was a requirement of my lender and FEMA. I called Carrington back and they then told me that FEMA controls what they need to require, and until they are notified by them that coverage is no longer necessary then I need to keep paying it. I contacted FEMA multiple times, both the national help lines and my county/state offices, and I was told that FEMA does not regulate or oversee lenders, and I should contact the lender 's federal regulatory agency about the issue. So that is the stage I am currently at, after being forced to continue paying for flood insurance on a nonexistent structure for the last two years, five months, and twenty-four days while being given no way to resolve my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account was reported late to one credit bureau and on time to the next .However the account was never late XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$400.00} {$400.00} {$400.00} Date Opened : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  Balance : {$21000.00} {$21000.00} {$20000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$22000.00} {$22000.00} {$22000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XXXX XXXX XXXX Comments : - - Auto Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX Two-Year payment history Month 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 OK OK OK OK OK XXXX OK OK OK OK OK OK Equifax OK XXXX XXXX XXXX OK OK OK OK OK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
Wells Fargo was contacted via the title company late XXXX for information regarding my current loan and a payoff amount. I am selling my home. Wells Fargo was made aware of this late XXXX. The title company then reached out to me mid XXXX to inform me that after contacting Wells Fargo to finalize details to pay off the loan that WF was transferring the loan to another party XX/XX/XXXX. 

I contacted WF as they would not provide my realtor nor the title company with further information or possible ways to resolve the issue. At this time I had not yet been notified regarding the transfer. I asked WF for a 24 hour delay as the payment was going to be submitted overnight the XXXX and received the XXXX of XXXX. They declined. They stated the check would bounce back and the buyer would need to wait 4-5 days before resubmitting to the new loan holder and that the pay off amount could change. 

I then asked when was I notified for this change, they informed me that hard mail was sent out on the XXXX ( received and dated the XXXX ). I have been checking my mail regularly and only received their notice yesterday. This falls short of the 30 day window to inform me of change in lender and has resulted in changes to the sale of my home. 

An email was sent to me regarding the transfer of the loan XX/XX/. 
Further documentation can be provided on request

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm unable to lift the security freeze and the website has high traffic and I can't see my dispute results. Please fix I'm getting error message while trying to lift security freeze

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 2022-10-11
Company: Experian Information Solutions Inc.
State: SC
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-26
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$860.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXXXXXX 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 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 2023-09-12
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company XXXX XXXXXXXX XXXX XXXXXXXX continues to report an alleged debt owed to them by me. I have never agreed to do any business with this company nor have I ever heard of them. I have asked for a copy of any contract or documents signed by me agreeing to do business with them in accordance with Contract Law. They have failed to produce this instead they have sent me a copy of an old bill from XXXX, this is not proof of any agreement from me to do business with this company. It was my obligation to first contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it.

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