BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
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:
I requested fraud alert be placed on my credit report and security freeze along with fraudulent account being blocked after submitting ftc report and identity theft affidavit notarized. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer. 
( 2 ) a copy of an identity theft report. 
( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

As XXXX, I have the power to stipulate. I stipulate that this fraudulent account be removed from my XXXX report.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

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 2023-12-13
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:
There are several inaccuracies on my credit report due to fraudulent activity. 
I've raised my concerns to all three credit bureaus and the companies as well. These reportings are hindering me from purchasing a home and obtain credit. I've recently refiled a fraud notice with all three credit bureaus. I will note each account and the information down below. 

XXXX XXXX XXXX XXXX XXXX ( partial acct : XXXX ) - balance reporting as {$770.00}, paid closed- written off. 
I have no knowledge of this account. I have no knowledge of this account and believe it to be a result of the fraud that was done on my name/accts. 

XXXX XXXX XXXX XXXX XXXX ( partial acct : XXXX ) - $ XXXX charged off I have no knowledge of this account and believe it to be a result of the fraud that was done on my name/accts. 
also reporting twice as charge off, which has dropped my XXXX XXXX significantly. 

XXXX XXXX XXXX XXXX XXXX  ( partial acct : XXXX ) written off {$430.00} I have no knowledge of this account, and believe it to be a result of the fraud that was done on my name/accts. 

XXXX XXXX XXXX ( partial acct : XXXX ) - balance {$550.00} This account was paid off- I noticed that for 3 years they have been reporting it as a charge off! Please assist with the removal of this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - closed paid this account belonged to my father who has since passed away in XX/XX/2023. I was a authorized user on his account as I handled his finances. Please assist with the removal of this account. 

XXXX ) XXXX XXXX XXXX ( XXXX, Transunion ) - charged off this account was paid- and should be removed from my credit report. It appears that it has been removed from XXXX correctly, yet XXXX and Transunion have not done so. 
please assist the removal of this account. 

I have submitted copies of police reports that I filed when my belongings were stolen. 
I had to get new checking accounts, and other accounts to prevent further fraud. I ask that this information be communicated to the three credit bureaus and the information be removed from my report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recieved a response to a dispute letter that I sent. They said the accounts were verified as accurate. I responded on XX/XX/2022 with proof of all the inaccuracies that are still being reported. They are conciously still reporting inaccurate information on my consumer report.and they still havent responded in the required time of 30 days. Please inforce my rights and request these accounts be removed 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 explanation
Consumer complaint received 2023-11-25
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My problem is with two companies - Shellpoint Mortgage and XXXX- I have been working on this problem since XX/XX/XXXX when I put the condo on the market. Apparently, we had XXXX submissive liens on the condo - one from XXXX for about $ XXXX and one from XXXX bank for {$0.00}. I had two buyers- one in XXXX of XXXX and one in XX/XX/XXXX. 

I was in constant contact with both Shellpoint Mortgage and with XXXX to get this resolved. I would walk away with no money - but could put this in the past. 

I have about 3 inches of correspondence - emails, letters etc going back and forth. XXXX would not work with Shellpoint. 

In XX/XX/XXXX, while still working with Shellpoint, I was informed that Shellpoint had foreclosed on the property in XXXX of XXXX - and sold the property with all liens cleaned up... 

Until I was notified again by both that I owed $ XXXX to Shellpoint and $ XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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 is missing that should be on the report

Complaint:
XXXX Account is missing or not being reported on my credit report, from XXXX XXXX XXXX XXXX, these are good accounts XXXX XXXX account is missing or not reported on my Credit Report from XXXX XXXX XXXX XXXXXXXX, these are good accounts

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 2023-11-28
Company: EQUIFAX, 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:
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 XXXX : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I want to register my complaint with regard to the unfairness of the public service loan forgiveness waiver Ive worked for the XXXX of XXXX for 20 years, have always made my loan payments monthly all these years and still can not qualify for any type of loan forgiveness!!! Every other coworker I work with has managed to have their loans forgiven and I will never have that advantage. That is so very unfair!!! When I decided to go to a XXXX XXXX, I wasnt given a choice of where my student loan funds were coming from or be serviced byI was just happy to be going forward on a XXXX XXXX. My loans are through XXXX XXXX Bank and I suppose I will pay on them until I die that is so very unfair!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, 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:
On XX/XX/XXXX I made outreach to Equifax to advise them there was incorrect information on my credit report. They initiated a dispute. Less than 30 days letter my dispute was resolved. 

This credit bureau states my accounts were properly investigated but how is that possible if the open date, last date active, collections account reporting as late, date last reported and original creditor is either missing or completely inaccurate. This is ground for removal as they also have violated my rights under 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 also states a consumer reporting agency can not furnish an account without my written instructions XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX Account XXXX Due to this incorrect reporting accounts, I am being charged a high interest rate of 7.2 % for my car loan and over 25 % in credit card interest as well. This is requiring high payment amounts monthly and it is unjust for this to continue causing hardship to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
For four years, I did not know a child existed, let alone was mine. In XXXX of XXXX, I found out I was a father and I was put on child support. On top of my current child support that was ordered, the courts applied back child support for the years I missed birth to XXXX XXXX My monthly payments are around {$470.00} a month. This was to start in XXXX of XXXX by wage garnishment. So every month about {$230.00} every two weeks is deducted from my wages and applied to the total of this new child support bill. With the garnishment in full effect, I have not been late or missed any payments. However, the company reports missed payment every month since XXXX of XXXX. I have notified them of this three times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) in writing and once over the phone. Every time I am told this is accurate with no further explanation. I have contacted the credit bureau and I have documentation of them saying the information was fixed by them but the company keeps re-reporting it. This is ruining my life and plans that I had. My credit score has plummeted and I am barely able to get through life.

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 2022-06-09
Company: EQUIFAX, 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 XXXX XXXX  Account # 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting Act : XXXX XXXX  Account # 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX  XXXX has a Installment loan that is on my TRANSUNION report that is NOT MINE. I called XXXX Customer Service and asked them what this loan was for and they told me it was for a XXXX XXXX XXXX XXXX XXXX XXXX GA, I live in XXXX XXXX XXXX. XXXX hours away. I asked for the address on file and it was from a old address on a house I sold 9 months ago, I asked for the DOB on file and it was NOT my DOB, I asked for the SS # on file and the rep said they could not provide it for me but it was not the one I gave them. I asked for them to send me a copy of the signed loan agreement and it has a credit score of XXXX on it as of XX/XX/XXXX. My score was higher than that on XX/XX/XXXX in TRANSUNION bureau, proving the SS @ on file on this loan is NOT MINE. So basically XXXX XXXX  XXXX are doing fake loans on unsuspecting consumers using just their old address and putting in fake SS # and DOBs. I contacted TRANSUNION and filed a dispute and they said it was up to creditor to remove. XXXX wanted me to file a Police report and send in copy of my DL to them, no way I am sending them this info when they are already committing fraud, making up fake loans. 

How can you have a Installment loan on my credit report when the loan : 1. Doesnt have correct DOB 2, Doesnt have my signed consent 3. Doesnt have correct SS # 4. Doesnt have my correct address 5. Doesnt have a photo ID of me If they had a copy of my Drivers License the XXXX XXXX be right would it not? 

This is blatant lender fraud. Making up and funding loans on unsuspecting customers using bits of information.

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 2022-11-21
Company: Experian Information Solutions 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. These 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 : 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 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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX Inqueires received by XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry received by XXXX XXXX XXXX XXXX Inquiry received by 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 explanation
Consumer complaint received 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
My credit card company, Bank of America, has charged me for {$1400.00} for XXXX separate charges made against the card for food deliveries from XXXX and XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX of this year. I reported the fraudulent charges to Bank of America on XX/XX/XXXX, and Bank of America denied my claim by letter dated XX/XX/XXXX. I called the bank 's fraud claims department last week, and they confirmed both the date of my report and their denial of my claim. 

The Bank 's stated reason for denying my claim is that the claim was not made in a timely way, because prior to XX/XX/XXXX ( 1 ) statements covering these fraudulent charges were mailed to my home address, and ( 2 ) payments were made on this credit card account. It is true that payments have been timely made on this account. It is not the case that statements were mailed to my above address, though I do have access to online statements.

After speaking to the Bank, I called your office. Your representative confirmed the general rule that I have up to 60 days after you send a statement to bring a timely complaint concerning unauthorized transactions. She also informed me that a complaint brought after the 60-day window is still timely, unless the Bank can show that the fraudulent transactions would not have occurred if Id made my claim within the 60 day window. I asked specifically if there is an exception to this rule if I have received a statement detailing the fraudulent charges or pay the amount due on the statement before filing a claim with you. Your representative assured me, there is no such exception.

Most of the fraudulent charges referenced above were contained on a statement that was first made available to me within the 60-day period ending on XX/XX/XXXX. The Bank has provided me with no indication that it might have avoided any of these charges if Id informed them within 60 days of the date of the first statement containing these charges. Indeed, I would have had to inform the Bank of this fraud prior to XX/XX/XXXX, the last date of these charges, for it to have cancelled my credit card or have taken any other action to avoid these charges. 

I have provided the Bank with proof that neither XXXX or XXXX XXXX  will deliver to our address.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW 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 non-monetary relief
Consumer complaint received 2022-07-29
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:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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