BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a Loan Modification on XX/XX/XXXX and XX/XX/XXXX and I was denied on XX/XX/XXXX and XX/XX/XXXX. I was struggling to pay my mortgage due to COVID-19 my job was shut down with the XXXX XXXX XXXX XXXX XXXX I second job I was XXXX XXXXXXXX XXXX and my hours were reduced. 

I was dismissed from Bankruptcy Court  XXXX XXXX on XX/XX/XXXX. I had a pipe to burst in my master bathroom and my home had mold and mildew in XX/XX/XXXX. On XX/XX/XXXX Hurricane Sally damaged my home. So, for three and half years I was fighting with my insurance company, and I was getting denied. I had to hire a public adjuster to assist me with my claims prior to my dismissal from my BankruptcyXXXX XXXX ; however, I called US bank to schedule four payments to come out of my bank account every two weeks and it would have taken care of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX called US Bank and the representative canceled all four of my payments. On XX/XX/XXXX, US Bank sent me a return payment in the amount of {$230.00} dollars, and a second check on XX/XX/XXXX, in the amount of {$510.00}. In my restricted escrow account, there is a reminder {$17000.00} and my past due mortgage from XX/XX/XXXX, to XX/XX/XXXX, is {$17000.00} to bring my mortgage account current. I wrote US Bank Loss Draft, and they verbally informed me since I have a sell date of XX/XX/XXXX, I can write a letter and explain how I want the reminding amount of my claim funds to go toward my past due mortgage. I am aware of my payment for XX/XX/XXXX, I can pay my XXXX  mortgage but I did request a reinstatement so I can bring my mortgage current. US Bank Loss Draft Insurance Department stated that my letter was approved but the Supervisor will have to contact US Bank which is my lender so that all the funds can cover my past due mortgage. I will call US Bank Loss Draft Insurance Department on XX/XX/XXXX, to see was my claims moved over because I became a homeowner on XX/XX/XXXX, and it will be 15 years on XX/XX/XXXX. I worked hard to purchase my home and I have all intentions to keep my home.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear TransUnion I sent a letter to the furnisher disputing the account listed below. I have not heard back from them, but they have verified find the account as accurate. 

XXXX : Account number : XXXX, Furnisher comments on my report are inaccurate. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, XXXX comments on my report are inaccurate. I need this fixed ASAP. 30 days should be enough. 

Can they do this? Verify an account without providing me with proof that they are reporting 100 % accurate? I will be sending all letters to my attorney for review to see if anyone violated the law. Know your company verified the above account. Send me all of the information you used to verify the above account so my attorney can review it for any violations. 

Please send ASAP, as 15 days should be enough time. 

I and my attorney await your response. 

Cc : FTC, CFPB

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-05
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:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXXXXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX  | XX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX | XX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX | XX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-11-16
Company: EQUIFAX, INC.
State: IN
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:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
On XX/XX/XXXX, I visited the XXXX dealership located at XXXX XXXX XXXX, XXXX, MI XXXX with the intention of purchasing a new car. Unfortunately, my plans hit a roadblock as I was unable to secure an auto loan due to what was described as a limited credit history. 

Perplexed by this, I reflected on my credit history, which has been established since XXXX, and has seen me successfully purchase new vehicles XXXX times without any credit issues. Puzzled by the discrepancy, a friend recommended obtaining credit reports from " XXXX. '' To my surprise, the XXXX report accurately reflected my credit history from XXXX, while TransUnion and XXXX only displayed information from XXXX onwards. 

Taking immediate action, I contacted TransUnion and XXXX multiple times, urging them to update their records to include my comprehensive credit history. Despite assurances of resolution within XXXX business days, the issue remains unresolved. The delay in addressing this matter has been both frustrating and inconvenient, and I am eager for a swift resolution to rectify the inaccuracies 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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed 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 2023-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
So, initially, I sent a certified mail letter to Capital One on XX/XX/XXXX, requesting that they forward me a copy of the 1099-C that they filed when they charged the debt off with the IRS. The amount listed is {$620.00} Capital One received this Certified mail letter, signed, dated, and returned on XX/XX/XXXX. 

On XX/XX/XXXX, I made my second attempt to fix this issue with the company by sending via Certified Mail, another letter that includes a notice and detailed description of the inaccurate reporting that Capital One is allowing to happen. 

Under the United States Code, 15 U.S. Code 1681s2 says, Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Duty - a moral or legal obligation ; a responsibility. 
Accurate - correct in all details ; exact. 
Prohibition - a law or regulation forbidding something. 

As defined by The IRS : Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS clearly defines a charge-off as Gross or Ordinary Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition, the IRS clearly says a Canceled or Charge Off is income. The reporting of this account as a debt is inaccurate. 

The above information is only part of the unresolved letter ( second attempt ) that I sent to Capital One. 

Due to the nature that Capital One has failed to send me a copy of the 1099-C in a timely manner. I had decided to offer them TEN ( 10 ) more DAYS to DELETE the account as well as send the 1099-C that Capital One charged off with the IRS. 

Those ten days have passed and still, no documentation has been sent to my abode. It us clear that I have been more than willing and generous to try and solve this issue between the company and myself ( the consumer ). 

I hope that this message receives you well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-15
Company: EQUIFAX, INC.
State: WI
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is to express my extreme dissatisfaction and utter disbelief at the ongoing incompetence demonstrated by your agency in handling my credit report. The persistent existence of fraudulent accounts under your watch is not only intolerable but calls into question the very competence of your organization. 
XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXX DELETE!!! 
XXXX XXXXXXXX XXXX XXXXXXXX DELETE!!! 
This marks the umpteenth time I am disputing the presence of fraudulent accounts on my credit report. It is beyond comprehension that your bureau, entrusted with the responsibility of maintaining accurate credit information, has allowed these fraudulent accounts to continuously tarnish my credit history. 
I am left to wonder about the quality of work being done at your agency, as it is abundantly clear that the basic task of ensuring the accuracy of the information you report has been woefully neglected. Cease your ongoing failure and promptly remove the fraudulent accounts. I expect this correction to be made without any further delays. 
The presence of these fraudulent accounts on my credit report not only damages my creditworthiness but also erodes any trust I may have had in your agency 's ability to perform its fundamental duties. This is an egregious failure that requires urgent and decisive action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: TX
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:
Please remove the inaccurate inquiry that is showing on my credit report. A copy of the notice has been provided from creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverificable, invalidated and inaccurate and questiontable items that XXXX XXXX and XXXX did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accuratre on my credit report and Under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurarate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
They did not remove the information which resulted in a lower credit they did not remove the information which resulted in a lower credit score, and I was denied credit several times

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 2022-10-13
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent all required documents to have unauthorized inquiries removed off my report. I sent everything certified mail and they are still stating they don't have my information and refuse to remove the unauthorized inquiries from my 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 explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: MA
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 am writing to formally dispute incorrect information on my Experian credit report, which I initially brought to Experian 's attention on XX/XX/XXXX. Despite the considerable time that has passed, I have not received any response from Experian regarding this matter. I am providing the details of the inaccurate information and the required corrections as follows : Incorrect Account : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$390.00} This account does not belong to me. Please remove it from my credit report. 

Incorrect Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit XXXX {$0.00} This account is not mine. Please remove it from my credit report. 

Incorrect Account : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} This account does not belong to me. Please remove 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 explanation