BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
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:
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 addresses 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 INACCURATE ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CAXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  CA 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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
my credit information was stolen and use without my consent 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 privacy and confidentiality under 15 USC 1681. 
Accounts ; 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 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 2022-12-06
Company: Experian Information Solutions Inc.
State: WI
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:
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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Its not my account its identity theft my identity was stolen

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 2022-12-06
Company: Experian Information Solutions Inc.
State: CA
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:
Submitted dispute stating XXXX XXXX XXXX account on my report not showing current balance of zero and account being closed/transferred to another servicer with XXXX, Experian, XXXX XXXX. All disputes were submitted XXXX XX/XX/XXXX and XX/XX/2022. On XX/XX/2022 received dispute results stating all information was verified. There was no change to the account balance or account status. Additionally XXXX XXXX has an announcement on their website that they are no longer servicing federal student loans. My federal loans were all transferred to XXXX on XX/XX/2022 which are currently showing on my credit reports.

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 2022-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXXXXXX XXXX XXXX I noticed several fraudulent charges on my Capital One Credit Card. I was traveling and had my card set to auto pay through my bank account. I notified the company by telephone that I did not recognize the charges. They read back a few charges which were legitimate. They resolved those charges and sent me a new card. When preparing my expenses for work in XXXX, I noticed a charge from XX/XX/XXXX for XXXX XXXX ( an airline from XXXX XXXX ) in the amount of {$1100.00} There is a phone number associated with the purchase. XXXX. That number rings busy and is ( according to web search XXXX ) a fraudulent phone number that is associated with fraudulent purchases with this company. I reported it immediately and notified Capital One that the card had already been switched due to the fraud that had been reported earlier and that this charge was missed. I opened a dispute and they promptly closed the dispute stating that their hands were tied due to the length of time that had passed. I have been a customer of theirs for 20 years and do not have a history of purchasing items or travel to XXXX XXXX. I do not feel I should be responsible for this fraud since it is documented that.I am not the only victim of this same fraud. I also find it reprehensible that Capital One would authorize a charge of {$1100.00} to XXXX XXXX without some sort of fraud warning trigger in their system- especially when I have a suspicious activity notification requested on. my account ( see attached ). According to the Fair Credit Billing Act as well as the Capital One website, my liability for this should be limited to no more than {$50.00} as long as fraud is reported within 60 days which it was initially. This was an additional charge in that timeframe that was missed. I believe Capital One should have some liability for not flagging a suspicious charge which I relied on them to do. However Capital One is refusing to remove or even reduce the amount of this charge. I found a phone number for XXXX XXXX Customer Service and spoke with an agent last evening who is aware of the fraudulent charges associated with this number. He provided me with instructions via email to submit a claim to XXXX directly to try and get the money refunded. ( Attached ) I called Capital One again and spoke with XXXX different representatives, the last one being XXXX in the XXXX Department who would only say that Visa would not allow them to pursue this fraud claim due to the timeframe that had elapsed. At this point I feel that XXXX has done more to assist me with this than Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: INTERFIRST MORTGAGE COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023, I obtained a new homeowners policy with XXXX XXXX, for my XXXX property located in XXXX, IL. I notified my lender, InterFirstXXXX XXXX XXXX collectively " InterFirst '' ), that I had obtained a new policy and for payment to be made from my escrow account. During the course of 3 months, I made numerous calls to InterFirst to have them make payment. During these recorded calls, InterFirst agents made representations that payment would be made. However, I finally received final notice from XXXX XXXX that my insurance would lapse if payment was not made by XX/XX/2023. I sent an email to both my insurance company and InterFirst, given the urgency. Finally, InterFirst made payment on XX/XX/2023, three days after the deadline. As a result, my policy was cancelled and subsequent attempts to get a new policy through XXXX XXXX has failed, as my record now shows that I have a lapsed insurance policy due to nonpayment. 

This has affected me because I am either unable to get insurance or the quotes are higher than what I paid for XXXX XXXX. I finally found a new policy with XXXX, one of the few insurance companies that would give me a quote. I sent InterFirst a XXXX notice that they have failed to make timely payments, are required under 12 C.F.R 1024.34 ( a ). The bank has assigned a case worker but the matter remains unresolved.

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 monetary relief
Consumer complaint received 2022-12-05
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In or around XX/XX/XXXX, I received notice from the National Credit Systems , Inc, that I owed a debt to Ascent at XXXX XXXX in the amount of {$1200.00}. I repeatedly made attempts to contact management about a notice that was left on my door, in which I told them I didn't understand, in which the notice was about resigning my lease, but they never answered the phone, nor were they in the office, which is around when Covid hit. On my lease it states that i should have given a 60 day notice, in which I linked up with management at and was allowed by XXXX XXXX, to give a 30 day notice. XXXX XXXX gave me a notice to vacate, she crossed out the 60 day part, and wrote 30 day notice, she also filled in the rest of the form and wrote, As of XX/XX/XXXX XXXX XXXX does not owe any more money to XXXX of XXXX, my lease was due to expire on XX/XX/XXXX. As they feel like the lease is a signed contract, I feel like the notice to vacate is a signed legal document also. XXXX XXXX chose to void the contract, and now wants to hold me accountable over a year later. I moved, and placed these apts as my previous residence, because I knew I left in good standing. They are trying to charge me for damages without proof, cleaning fee, in which I cleaned unit myself, and a lease termination. Had XXXX XXXX not agreed to honor the 30 day notice, I would simply have stayed in the unit and allowed myself time to present a 60 day notice, or I could have signed on to lease from month to month. XXXX XXXX refused to walk the unit the day of signing the notice to vacate, again because of covid, now they wan na come with made up charges. I have XXXX XXXX XXXX of XXXX XXXX XXXX for oven 15 years, I am not a nasty person. I cleaned that unit because I knew I wanted my deposit returned. I can also prove through their work order system, that the only damages to that unit, was because negligence on the maintenance staff, in which due to repeated flooding inside the wall and under the sink, the bottom of the cabinet collasped, and was full of mold. A square was cut out in the wall to access the leak, and was never repaired the entire time I lived in the unit. I feel as though, if I owed and money, it should have been noted in the Notice To Vacate, not when my new apartments contact you, when Im trying to move over a year later.

Company response to consumer: Closed with explanation
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: 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 submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance 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 2023-06-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
15 U.S. Code $ 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Each account below has debt that is not mine : Account # XXXX The accurate amount of debt on each account is {$0.00} as it is not mine. My only address is XXXX XXXX XXXX XXXX, KY XXXX since XX/XX/1999 until Present. No valid information of mine is associated with any additional addresses that may be reporting as mine. Each company associated with Account # XXXX has all failed to provide a valid wet signature from me. The status of each account should be closed due to required deletion as the debt is not mine. 

These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

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 reports under 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 consumer I am demanding the deletion of 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 2023-03-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My accounts were improperly closed and falsely charged overdraft fees, the company closed my account and my account number was XXXX service fees in which Im eligible for refunds. Wells Fargo owes me between {$800.00} and {$2000.00} and they improperly closed my account and I want something to be done

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

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, 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 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 2023-03-05
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX approved financial services on a term of 36 months for work needed to be done on my teeth. Account was set up on auto pay for 36 months. At the end of the 36 month term of payments made the account was deemed paid in full. Which was never reported on my credit report. 

6 months after the account was paid in full. XXXX XXXX is alleging that they didn't get paid for some of the services performed from insurance. Is now saying I owe additional monies because of their bad accounting. I was never informed during the 36 month payment process that additional monies were owed. Until it showed up on my credit report as a collections account.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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