BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-10-12
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:
I have reach out to TransUnion, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXX XXXX 1st letter XX/XX/2023 and then XXXX XXXX XXXXer XXXX with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. XXXX XXXX XXXX XXXX 1st letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. XXXX XXXX XXXX 1st letter XX/XX/2023 and XX/XX/2023 with police report, FTC, and driver license. XXXX XXXX 1st letter XX/XX/2023 and filed a dispute through Transunion. 
Other accounts were removed do to the identity theft but these additional have not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX never received a first payment when credit card was open has different name and address. 
XXXX XXXX had a different name, address and was not able to find my account information with my correct information till I provided to them in the first letter. 
XXXX had a different name and address and was remove from XXXX but not from Transunion. 
XXXX XXXX was sold to another lender and had a different name and address as well. 
XXXX has also been contacted regarding Hard inquiries that I did not authorized and I have sent them a letter and filed a dispute on line and I have not been able to get them removed. They also have different addresses and name. I requested additional information but the only response I get its that the it belongs to me. 
XXXX and XXXX that I have not requested credit.

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 2022-07-28
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2022 a debt collection agency Receivables Performance Management sent a letter to me stating alleged own a debt to XXXX for the amount of {$1700.00} On XX/XX/2022 I did paid in total the amount of {$630.00} which was the total that I owed on that moment. 
Account was close on XXXX and I sent ( 3 ) devices/handsets back to XXXX via XXXX on XX/XX/2022. Shipping label was provided and printed by 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 explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company response to consumer: In progress
Consumer complaint received 2022-09-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I discovered that bank account had unauthorized transfers to some person name XXXX XXXX via XXXX from my Wells Fargo bank account. There were 4 different transfer amounts : {$12.00}, {$290.00}, {$250.00}, and {$190.00}. I contacted my bank the next day I believe and processed a claim. They gave me the claim number # XXXX and also closed my online account information and closed my bank account and gave me a different bank account number. On XX/XX/XXXX, I checked on my account and there were more transferred scheduled for XX/XX/2022. And even though I called Wells Fargo on XXXX XXXX about the situation, they gave me a new case number, Claim # XXXX, and disconnected XXXX from my Wells Fargo account, but they could not stop the scheduled transfers and on the XXXX, more transfers took place, this time out of my new bank account number. This time, in amounts of {$1.00}, {$190.00}, {$250.00}, {$290.00}, {$190.00}, {$60.00}, and {$9.00}. I called back on XX/XX/XXXX and they said I had to go into a bank branch to verify my identity. I did that and they said they would send me a letter about the case in 10 business days. Around XX/XX/XXXX or so ( I don't know when because I had left the country by then ), a letter arrived to my father 's house, which is my address on file with the bank, stating that they had closed the case and would not be refunding the money because I had authorized the transactions. I called back to ask about how to appeal and they shut down access to my online account and I can only do reactivate it by going into the nearest branch. I live and work in XXXX so was not able to do that. They sent me to an international branch that was 2 hours from my home, but that branch no longer existed when I made the trip to that branch. I called back and again said I had to go to a local branch. When I explained I couldn't, they told me I can have my dad who is a co-owner of my account go into a local branch to do that. I asked my dad to do that for me, and when he went to the branch, he was told they couldn't help him. I called the fraud department back and after much " communication '', they finally allowed me to verify my identity through the phone through a series of questions that only I could know. I was finally able to get back into my online banking information. But when I asked about the fraud case, they said I can appeal by proving that I was hacked. I am an ordinary citizen, I don't know how to prove that I was hacked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I co signed for a auto loan that has been paid off but still shows open on my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXXXXXX XXXXXXXX  XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX Balance Owed : {$5500.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
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:
Despite multiple written requests, the unverified account below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the EXPERIAN CREDIT BUREAU, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX Balance Owed : {$50.00}

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to delete these 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

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 2023-11-27
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Upon checking my Paypal account on XX/XX/24, I found my entire account balance of {$31000.00} had been transferred to an unknown XXXX XXXX XXXX account without my knowledge or consent. 

Paypal claim concluded this was consistent with my history, in spite of this XXXX XXXX account being added and deleted in my account. I have never transferred to XXXX XXXX before, nor do I have consistent transfer of this magnitude and my balance has NEVER been transferred to XXXX prior to this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
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:
THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NC
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:
There are 28 credit inquiries that I have no knowledge of showing up 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: DC
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:
On XX/XX/2023 unauthorized inquires was discovered on my Eperian credit report. When I contacted the creditors Burau listed above, they said " they can't remove the inquires. And said there are no such accounts or inquires on 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions 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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX XXXX XXXX : {$480.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$0.00} - tied

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 2023-11-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have been trying to contact Lakeview Loancare for a week now. The phones are down and the website hasnt been working. I cant check my account or even make a mortgage payment for this reason. No sort of contact has been made with lakeview. Ive read discussion boards and other customers are having the same problems I am having and its ridiculous. Im blind on amounts and transactions within my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, 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:
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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: In progress
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to law, 15 USC 1681i ( 5 ), inaccurate or incomplete information can not be provided on my credit report, and I have found the XXXX XXXX XXXX account ( account number ) : XXXX has incomplete and inaccurate information in all three bureaus. of credit,,,, According to law 15USC 1681e ( b ) there can not be inaccurate or incomplete information reported in the 3 credit bureaus

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 2023-11-27
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit 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:
I was looking for a quote of carpet and moldings for the basement at Lowe 's and provided the sales woman with the sample. In XX/XX/2023 Lowe 's delivered both carpet and moldings, but neither is what I asked for nor does it near the sample I provided. I went to the local Lowe 's store and tried to solve the problem. The store manager refused to solve the problem, and became nasty when he failed to provide a signed copy of contract. 

The charge on my credit card was total {$2000.00}. I reported to the bank Synchrony for dispute and requested for an investigation multiple times. The bank denied dispute multiple times but failed to provide evidence to support its conclusion.

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