BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Report and noticed that I had one late payment on account that I was never late for and was on autopay for 5 yrs. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for any payments for any of my accounts including ( XXXX XXXX XXXX ) Please investigate and provide a proof with statements. If proof can not be provided I demand this late payment to be updated on time as it should be as I was never late ( XXXX yrs autopay ) Thank you

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There is a fraudulent inquiry on my TransUnion credit report by XXXX XXXX that is not authorized

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 2023-10-03
Company: EQUIFAX, INC.
State: FL
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:
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 investigate and corrected for erroneous reporting in my file are listed 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Account 1 : Dept of EducationXXXX # XXXX, Account 2 : Dept of EducationXXXX XXXX XXXX, Account 3 : Dept of EducationXXXX XXXX # XXXX, Account 4 : Dept of EducationXXXX # XXXX , Account 5 : Dept of EducationXXXX # XXXX, Account 6 : US Dept of EdXXXX # XXXX, Account 7 : State of MI Office Chi # XXXX, Account 8 : State of MI Office Chi # XXXX, Account 9 : Congress Collection XXXX XXXX, Account 10 : Congress Collection XXXX XXXX XXXX5 USC 1681 Section 602 ( A ) States I have a right to Privacy.

15 USC 1681 Section 604 ( A ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 Section ( C ) ( a ) ( 5 ) States No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information other than records of probation 's or crimes which anti-dates the report by more than 7 years.

15 USC 1681 ( S ) 2 ( a ) 1 A person may not furnish any information related 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 2023-02-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX  XXXX ACCT # XXXX 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 2023-06-05
Company: W&A Intermediate Co., LLC
State: AL
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:
Received letter from Wakefield and associates stating they were debt collectors and I owe a debt to XXXX XXXX XXXX XXXX which I have never heard of. I would like to know if this is a scam. The letter stated the debt is from 2021 in the amount of {$850.00}. Did not know if I should respond to the company or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several accounts fraudulently furnished to my credit report. I have contacted the CRA 's as well as creditors responsible for the fraudulent reporting. I have not been provided legal binding documents showing the validity of this fraudulent reporting from the CRA 's. The information is not consistently reported and one bureau is in compliance, where the others are not. I have informed each CRA of my final attempt at peaceful civil mediation, without prejudice with All Natural Inalienable Rights Reserved. I am requesting the removal of all of the information submitted to each CRA, XXXX, Transunion and XXXX are in receipt of my demand and complaint as of XX/XX/2023.

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 2022-12-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The theft occured in XXXX An XXXX account was opened in my name, spent to the limit then left for me to pay. I called the company and told them this was a theft and not my account. I opened up a page on XXXX, sent XXXX a letter and am still getting bills and it still shows up on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
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: Public record information inaccurate

Complaint:
1. Bankruptcy Statutes : 15 U.S.C. 1681g section 609 states every consumer reporting agency shall, upon request ..., clearly and accurately disclose to the consumer the sources of information reported. The US Bankruptcy Court of Texas does not, as a rule, furnish or disclose any information regarding filings to credit reporting agencies. XXXX XXXX is the reporting agency making this record false and inaccurate. Not only that, In accordance with 15 U. S. C. 1681c section a1, which states, No consumer reporting agency may make any consumer report containing information regarding bankruptcy from the entry of order or relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The law only provides for a maximum length of time, provided the information is true and accurate, not a minimum length of time. Therefore, this reporting is in violation of the Fair Reporting Act and must be removed immediately. The continued reporting of this inaccuracy after repeated attempts to resolve it has resulted in substantial personal damage.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Identity Theft Report Attached The following inquiries listed on my TransUnion credit report are fraudulent Fraudulent TransUnion inquiries XXXX XXXX  Services XX/XX/2023

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-10-18
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
CashApp is arbitrarily and capriciously restricting, inhibiting, reducing, sabotaging, interrupting, preventing, and otherwise obstructing money being transmitted by my predominantly XXXX, XXXX, XXXX XXXX XXXX XXXX from hiring/paying our XXXX XXXX XXXX XXXX in order to obtain much needed legal services, in our major practice areas of immigration law, deportation defense, family law and divorce, criminal defense, and civil rights law. Based on their transparently biased, XXXX, and discriminatory letter attached, where they use a ton of non-specific " buzzwords '' to justify their illegal actions and conduct, it is our legal analysis and opinion that they are targeting minority payors, and payees, to prevent or inhibit interstate commercial transactions, in violation of the federal, state and local law, and even the United States Constitution. Even worse their motivation appears to be in violation of Title VII of the Civil Rights Act as well as other Human Rights Laws of New York State ( and other states ). Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
MY IDENTITY WAS USED FRAUDULENTLY TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE AND BLOCK THESE ACCOUNTS FROM MY CREDIT REPORT. I HAVE REQUESTING IN WRITING MULTIPLE 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 2023-10-06
Company: EQUIFAX, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
CRAs took way over the 30-45 allotted time to get back to me with their verification process on how they verified items they were reporting that was inaccurate and violating United States Codes that protect me and other consumers! 

The accounts in question and wanting the process for are : XXXX XXXX XXXX XXXX ( which gets removed and added back without sending document on re adding ) XXXX XXXX XXXX XXXX XXXX ( debt collector who will not leave me alone ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: PA
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've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

XXXX XXXX XXXX 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 2023-10-10
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
My account started to be in default XX/XX/2023. I was wrongly referred for foreclosure while I tried to seek foreclosure alternatives options- apply for HAF assistance, XXXX, and loan modifications, including submitting appeals. 
While working on these applications I was also simultaneously working hard to raise the funds to reinstate the loan based on monthly statements I was receiving from the servicer. I was eventually approved for {$7000.00} from the XXXX XXXX program in XX/XX/2023. This state program collected a full mortgage payment for XX/XX/2023 ( {$21000.00} ) as part of their terms to approve me of the foreclosure relief program and sent it to the servicer ( {$7000.00} came from XXXX and {$14.00}, XXXX was my own portion ). The servicer ( for an extended period of time ) held my portion of the checks without processing it, and refused my own payment to cure the loan to bring it current. 

The servicer returned my portion of the funds ( {$14000.00} ), but kept the state funds ( {$7000.00}, XXXX  Assistance ) and maintains I am still on track for foreclosure and that I can not cure the loan without " foreclosure '' fees they want to add. 

I will note I was approved ( XX/XX/2023 ) for a loan modification that I can not afford at this time. I just want to be able to cure the loan at this point. I can not afford the extra fees they are tacking on as they shouldn't have even referred the file for foreclosure. I believe the servicer is committing " dual tracking '' practices and that's why these extra fees are due preventing me from being able to cure and fully reinstate the loan at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 my formal complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-04-21
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023, I received an email from Way2Go stating that my bank transfer had been successful. The email stated " Your request to transfer {$240.00} from your Way2Go Card to your bank account was successful. For more information or to request a new transfer, please dial the phone number on the back of your card. Please note a fee may apply. '' I did not authorize for {$240.00} to be transferred to my bank account. I quickly checked my bank statement online and noticed that {$240.00} had been transferred to XXXX with the transaction code XXXX. I was also charged a {$1.00} transfer fee. I do not know what XXXX is so I XXXX it to see if I could find a contact number for them, but I could just tell that they have prepaid cards. I had not made any funds transfers prior to XX/XX/2023. I have automatic transfer set up now to my XXXX XXXX XXXX XXXX bank account because I do not want my money stolen again. 
I called Way2Go on XX/XX/2023 at around XXXX XXXX to report the fraudulent charge and to cancel my card and request a new card. I was told that my card was cancelled and that I would get a new card in the mail. I also spoke with someone in the fraud department and explained everything that happened and she said that I would be receiving a form to fill out and mail back to them explaining the fraud. They said that I would have 14 days to return the paperwork. I received the form in the mail on XXXX XXXX, but the form was dated XX/XX/2023. I filled out the form and mailed it back on the same day I received it in the mail, XX/XX/2023. Up until today, XX/XX/2023, I had not heard anything back from them. I called the fraud department today to get an update on my fraud claim. I spoke to someone that told me that my claim was closed and that no fraud had been detected. He said that I was mailed a letter on XX/XX/2023, but I did not receive a letter or any communication from them after I mailed the fraud form on XX/XX/2023. I explained to the person on the phone that I did not authorize the transaction and asked what steps were taken to determine that the charge was not fraudulent. The person just told me that all I could do was fill out a police report and that they might be able to appeal the decision. I will file a police report and send it to Way2Go, but I should not have to do this. I am not sure that they even investigated my claim. I will take them to court if the {$240.00} that was stolen from me is not put back into my account and my claim is not investigated to the full extent.

Company response to consumer: Closed with explanation