BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 has violated my rights. 

15 U.S.C 1681 section 602 A. i have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containingany of the following items of information any other adverse item of information, other than records of convictionsof crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer agency if the person known or has reasonable cause tobeliveve 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 2023-08-16
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
After receiving collection phone calls and mail, I reviewed my credit report and noticed accounts and inquiries that were listed that did not belong to me. I contacted the credit reporting agencies and the companies listed but nothing has been deleted from my credit report. Included below, and attached is the letter that I sent to XXXX, Equifax, and XXXX. 

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.

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 report 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 INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Thank you for your timely response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been trying to fix my credit. Back in 2021 I allowed my ex to use my credit credit where she maxed it out and never told me. I contacted Discovery about the matter I was informed my account was closed. I was offered a settlement of three months paying {$90.00} for two months which I went through and paid the settlement. I checked my report again to find out for a second time the balance had increased and the account kept collecting. I contacted Discovery once again and did ANOTHER settlement for additional three months and they said it was settled. This I checked my credit again for the third time seeing the same result not only that, they overdrafted my Bank account over {$600.00} and put me more and debt and theres no resolution and it is destroying my credit and any chance to build a future with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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.

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 2023-11-26
Company: W&A Intermediate Co., LLC
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company has this account without my permission. I asked for validation of this debt and the company did not provide the contract is asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am a federally protected consumer and on XX/XX/2023, I sent a certified letter to Experian in reference to the inaccurate bankruptcy information reported on my consumer report ( see Attachment A-1 & B-1 ). I requested Experian to provide me with who and how they were able to verify this information. Experian only responded via email with dispute results stating that the company reporting the information has certified the information is accurate. The problem with this statement is, bankruptcy courts do not report to the credit bureau as per their official website ( see attachment C ). Anything Experian is reporting is hearsay because they also failed to contact me to verify any information. I would like to know where Experian obtained this information if the bankruptcy court does not report to the credit bureau. Experian, as a consumer reporting agency have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 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 2023-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In the following days I couldn't find my card and called Wells Fargo customer service to report my los card.. Date XXXX The case number is XXXX 

Date XXXX  called again customer service tell them to freeze the through the Well Fargo app they had stolen the amount of XXXX XXXXXXXX XXXX  from me had made the purchase of a Clipper chip with my card. claim 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 monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
incorrect information on all three credit Bureaus. they all have different reporting on my credit reports like collections. please remove all accounts that are not showing the same on all credit Bureaus. according to law 15 U.S CODE 1681 A 1 A. also 15 U.S code 1679 c.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: HILLTOP HOLDINGS, INC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2023 I began getting notices about bills not being paid on time. The bank showed that the payments were sumitted on time but one was more than 2 weeks late. 

Then on the XX/XX/2023 more bills posted late or were returned to the after the account numbers had been changed, when I contacted the bank we checked and made sure the account number were correct in which thet were. 

Then after talking to a friend that banks at the same bank he told me about a letter he received about a data breach! 

XX/XX/2023 When I went back into the bank to talk a bout the data breach and if that could be the problem, then it was turned on me that I didn't know how to pay my bills on line. I've paid my bills on line for mor than 20 years. I went back to my other bank and started paying my bills thru them and have not had any more trouble. I'm trying to get this account shut down after having {$81.00} dollars in late fees that I should not have had to pay. 
As soon as I can I will shut the account down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
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:
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 Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CITIBANK, N.A.
State: PA
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:
On XXXX XXXX, 2023 it came to my attention that my automatic payment had been canceled with the business. I immediately made a payment to bring my account current and was told by the business that there was an error and a representative canceled my automatic payment in XXXX. 

The business agreed o refund fees and interest but has reporting me to credit bureaus as delinquent and/or late. This distinction is improper and false.

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 2023-10-06
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have XXXX vanilla gift cards one card I activated it had a XXXX XXXX  balance and it was used at a target not by me. I believe it was used on the XXXX of XXXX. I got another XXXX XXXX  gift card and it came with the last XXXX digits scratched off as if it was scratched off with a key and It is still in my possession but I can't activate it or check my balance. After doing research this is a big problem going on that many people dealt with either the fraud or the serial number scratched off. I have got in contact with vanilla customer service and its hard to understand them because they are from over seas also they ask for too much personal information like pictures of my id it is not a trust worthy customer service so I refuse to give them personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: NH
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:
I did not give authorization for XXXX XXXX  to do Hard Inquiry on me and looks like its was also done twice on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Lendmark Financial Services
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a loan with Lendmark Financial located in XXXX, XXXX XXXX I have a grace period until the XXXX of each month, but Ive received a phone call everyday since XXXX and 3 times today XXXX from XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is very stressful as I am already dealing with health issues. A payment will be made today, I understand the contract I signed I dont need the harassing phone calls making my condition worse than it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I've been educating and working on improving my credit scores in line with bank requirements for my new LLC 's credit lines. After a deeper review with TransUnion, I've encountered XXXX unauthorized and/or fraudulent hard inquiries. 

They are : XXXXXXXX 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 2023-01-05
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
in XXXX Equifax had a data breach. I called in XXXX, XXXX and was told no I am no part of it. I finally got sick of accounts and inquirys being opened and checked the extended Equifax breach site for those still missing restitution. I never received the initial payment because I was told I was NOT PART OF IT. I cleared my record borrowing money, store cards, banks, you should be able to find the XXXX to the current date that I am trying to clear up. 
The head attorney is such an XXXX. I was XXXX until XXXX but then XXXX. I fought a medical bill from XXXX when I was XXXX in XXXX, XXXX XXXX or XXXX or something. They finally discharged the debt last year. So I have been fighting this well over the 20 hours that he promised me at XXXX an hour and any proof that I can show for computer or bills... I can provide statements of internet if XXXX has them still and XXXX  as well. I am being cornered into accepting bad credit history or none, with account that are secured but overdrawn? I didn't know you could secure a card for XXXX and spend XXXX I thought that was the point to build credit. Those card most closed within the window, or evenif they didn't I was lied to by Equifax about the databeach twice. He promised XXXX if I didnt pursue the other statements so I can gain payment faster. I haven't worked in 6 years steadily due to medical issues that I am have a SSI case over. I have skeletal deformatiies and joint deformities. No one will hire me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive had XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I cant remember my childs birth, wedding, or to do daily tasks. My wife does everything. This is preying on someone who made a mistake and had health issues occur that put him in a position of not being able to fight back. The attorney is a liar. He talks rudely, promises compensation after conversation then sent me a XXXX prepaid settlement card. 

Id rather leave my son at the age of two and end my life than bond with the person who made me a better man with failing health. I cant do this. IF anything happens to me. Its equifaxes fault for not notifying me. I cant open cards or tax information in prison. they dont allow it. I wasn't aware there was a data breach in XXXX because i was in XXXX. I found out and was lied to three times now. My SSN, sons SSN, address phone family info is all on the XXXX XXXX  I cant process mentally how to resolve this and he is preying on it. 

He told me that the judge hearin the Equifax breach case would hear of 10 accounts cleared that they take 3 minutes each. 
Are you kiddng me? I had to take photos, show XXXX pictures write affidavits. I spent YEARS CLEARING MY HISTORY TO HAVE IT COME BACK LIKE THIS. I dont have ssi, I cant work, I cant pay. Ill give you my body if thats what you want. Your responsible.

Company response to consumer: Closed with explanation