BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is my NUMEROUS 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 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 XXXXXXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00}, XXXX XXXX XXXXXXXX Balance : {$480.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX CXXXX XXXX XXXX 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 2022-09-05
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I've never been late on student loan accounts. Letter being mailed today.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account # XXXX, with 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 states a consumer reporting agency can not furnish a account without my written instructions

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 2023-01-13
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX XXXX  inadvertently applied an electronic bank payment to the wrong credit card. I contacted XXXX XXXX Barclay 's credit card company on XX/XX/XXXX, via an online form. They stated that I had a credit balance of {$1500.00} and that I should receive the check within XXXX  to XXXX  business days. 

I contacted them again on XXXX XXXX XXXX because I had not yet received the check. They said that " due to a system error, it does not appear as thought [ sic ] the first request went through '' and again stated that I would receive a check within XXXX  to XXXX  business days. 

I contacted them yet again today, XXXX XXXX XXXX because I had not yet received the check. They stated that the had completed my request as of today, XX/XX/XXXX, and that I would receive it within XXXX to XXXX  business days. They refused to provide me with a check number as evidence that they actually issued it. They also suggested I contact customer service via telephone to speak with a manager. I did but hung up after being on hold for a 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 2023-06-16
Company: Experian Information Solutions Inc.
State: IA
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 sent them a certified letter on XX/XX/XXXX asking for information and no response!! According to 1681 section 7 : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

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 2023-06-16
Company: EQUIFAX, 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:
Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report. 
Account Name : XXXX XXXX XXXX Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a Goldman Sachs XXXX card that I never applied for. My mother also received a card at the same time she received my card. She has filed her own reports. 
On XX/XX/2022 {$2000.00} was digitally charged to a card the thief did not have in their possession. The physical card was mailed to my parents address. My mother was a victim of identity theft on that day. She was a victim of the XXXX breach. I do not know how the thief received my information. I did not apply for this card or give anyone else permission to do so. I went to my local police department in XXXX but they did not file a report. I contacted the company that issued the card. They said all charges were made in XXXX using the digital form of the card. The card is in my mother 's possession. Goldman Sachs stated that the account would be closed and I would not be responsible for the charges. I have filed an XXXX report with the FBI.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: LEXISNEXIS
State: FL
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:
The company listed below has a claim under my name on XX/XX/XXXX. My Insurance company is XXXX XXXX at XXXX and they have XXXX records of claims under my name. I have attempted to reach out to have this removed and they only allow you to submit a request but no one has responded. I have had no insurance claims since XXXX This is effecting my ability to obtain car insurance at a reasonable rate. 


Comprehensive Loss Underwriting Exchange ( CLUE ) Status : OrderedReport Source : LexisNexis Risk Solutions XXXX Reference : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX with account number XXXX This account is listed as being XXXX  days late. I have never been late on this account. 

In accordance with the Fair Credit Report Act, 15 U.S.C 1681a ( 2 ) Exclusions : ( A ) ( i ) states report containing information solely as to transactions or experiences between a consumer and the person making the report. 

Therefore, any transactions SOLEY made between a consumer and the company CAN NOT be reported on the consumers credit report. I have included this section from the FCRA along with this letter. Please see attachment.

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 2023-01-13
Company: LEXISNEXIS
State: MN
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:
Wait a minute here. Lexisnexis you claim you had removed the bankruptcy from your files?? This is new to my eyes. In your response you were very quick to note that I had ( 48 ) complaint / disputes with your company In those 48 contacts that Ive had with you could you tell me which number that you indicated that the bankruptcy was removed? Please upload to CFPB. Also you never sent a updated credit report from your office again indicating that you had claimed to have had the bankruptcy removed Im just curious as to why not!. 

Secondly what was your reason for removing the account from your credit file?? Just curious you removed it but however XXXX XXXX and XXXX are very quick to say that they contact you when they receive a dispute! So you mean to tell me you remove it from your account but when they contact you. You tell them that the information is reporting as correctly? How is this possible Lexisnexis??? Review their reports thats exactly what these people are saying your company name is all over there report. Each and everyone of them. It is very clear that XXXX  and XXXX  and XXXX contact you to verify the public records. But you going to remove my public record from your report but still tell them its reporting as accurate Lexisnexis this is unlawfully and reckless credit reporting that you are doing on your behalf. I dont care what you sell or to whom you sell it too but you make sure youre reporting is accurate. I will need for you to remove the public record from XXXX XXXX and XXXX! You have the power to do this because if you are verifying it you can remove it. 10 business days Lexisnexis I will consider legal action. If you DO NOT On the 50 dispute/complaint. Will be a charm!

Since you claim the bankruptcy was removed from your report section 609a ( 2 ) I request for you to provide me that the XXXXXXXX XXXX  public record was in fact removed from the credit file of your company this will include a copy of the credit report the date that you removed why was removed. 
And 10 days you will need to contact the major 3 and have them remove the public records in its Entirety this false information I have supplied you everything that I have showing you that you are reporting and verifying false information. 
XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: DISCOVER BANK
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Im in the XXXX as an XXXX, got to my first XXXX XXXX and started to buy essential items for general living. The credit card company let me go over my limit by around {$300.00} and didnt contact me whatsoever and now I am struggling to pay off the credit card and also maintain my well being and buy essential items such as food, clothes, and military gear.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16
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:
AS OF XX/XX/ I have noticed XXXX XXXX  CREDIT CARD AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now IT HAS BEEN MONTHS NO RESPONSE RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-01-13
Company: Experian Information Solutions Inc.
State: IL
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:
Was notified through experian that a charge in the amount of {$7700.00} for an autoloan was reported and my score dropped XXXX. 

I contacted XXXX XXXX Consumer Reporting Department. 
They confirmed all payments are up to date and on time. The chargeoff reflects XXXX days past due payments. Which I have proof of timely made payments. 

XXXX XXXX said they will do some research and get back in contact.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo keeps increasing the interest rate on us. As a result, they collected more {$60.00} on illegal rate.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo opened accounts without my approval.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A bankruptcy was filed in XXXX. I was a Victim of identity theft and was unaware until XX/XX/XXXX. I have provided court documents to all three bureaus with no resolution. I would like to know that this attempt actually results in this item being 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 2023-01-13
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
XXXX bank account that said they are trying to be Opend XXXX with wells Fargo in which I never went to try and do and XXXX with XXXX that says I'm late on payment but never done anything with XXXX for payments

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 2023-06-29
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: 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 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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I JUST DISCOVERED ACCOUNTS REPORTING TO MY CONSUMER REPORT THAT DO NOT BELONG TO ME SO I DID MY RESEARCH ON THE FTC WEBSITE TO PREPARE AND FILE MY COMPLIANT AND CLEAR UP THIS MESS.

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 2023-01-13
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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was willingly and knowingly taken advantage of as the other party I was involved in a contract with violated several Federal laws.

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 2023-01-13
Company: EQUIFAX, INC.
State: LA
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:
Upon checking my XXXX, Equifax, and XXXX consumer credit report I found that persons XXXX, Equifax, and XXXX violated the fair credit reporting act laws and also damaged my consumer credit reputation with the following information listed Below 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting 15 U.S. Code 1681e - Compliance processes ( a ) Identity and purposes of credit users 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1666b - Timing of payments XXXX is reporting the following accounts violating these laws : XXXX account number XXXX, XXXX XXXX XXXXXXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

Equifax is reporting the following accounts violating these laws : XXXX XXXX account number XXXXXXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX  XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX. 

XXXX is reporting the following accounts violating these laws XXXX XXXX account number XXXXXXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXXXXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX  account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my home XX/XX/2017 because I couldn't get approved for a loan modification

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