BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
ATTN : Dear, TRANUNION, XXXX, XXXX, my name is XXXX XXXX. I am writing to delete the following information from my life. I am a victim of ID theft. Im in the process of buying a house for me and my children and this is holding me back.The Fair Credit Reporting Act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy. Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You have violated my right to privacy which is a direct violation of the FCRA and the Gramm Leach Biley act. I did not consent or authorize for you, or the people listed in the report to use or share my non public information. Please be clear that no consent or authorization is IDENTITY THEFT which I demand to Cease and Desist! Pursuant to 15 usc 1681a ( 2 ) congress makes it clear that a consumer report does not contain any transactions or experiences. In result, I am demanding for the following transactions and or experience to be updated in accordance Pursuant to 15 usc 1681c-2 ( a ) you have 4 days from the date of this notice to comply with my demans as set fourth in the context above. This will be my first and final attempt to resolve this issue Sincerely, XXXX XXXX I noticed this problem on XX/XX/XXXX Accounts : Account name : XXXX XXXXXXXX Account number:XXXX  Date account was opened : XX/XX/XXXX Account balance : {$430.00} Account name : XXXX XXXXXXXX Account number:XXXX Date account was opened : XX/XX/XXXX Account balance : {$470.00} Inquiries : Inquiry name:XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Inquiry name : XXXX Date opened : XX/XX/XXXX Inquiry name XXXX XXXX Date opened : XX/XX/XXXX Inquiry name XXXX XXXX Date opened : XXXX XXXX Inquiry name : XXXX XXXX XXXX 

Date opened : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX. 

Date opened : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Applied for credit at XXXX XXXX XXXX on XX/XX/2022 was denied credit because they could not see credit information through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$1100.00}

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello i reached out to Transunion & XXXX on 3 occasions via letter correspondence to correct or delete the below account due to " Account Status '' Reporting inaccurate. on the following 2 accounts. 

XXXX XXXX XXXX XXXX Account Status reporting wrong and inaccurate. these 2 accounts where paid in full back in XXXX  if you look at the attached current credit reports of mine you will see there many errors that are effecting my life. you can always fix your eyes on the comments that the actual XXXX and Transunion noted that the accounts WHERE PAID IN FULL. i just want the statuses updated to Paid and not Derogatory. as you can also see XXXX reported the account correct. on the XXXX XXXX  account. i have wrote to both companies on 3 occasions and never got a response back. i had no choice but to submit a full complaint here with proof. i also want to point out on the XXXX XXXX account the payment history has been reporting inaccurat as well since XXXX of XXXX  you can see on the report XXXX  reported me ( CO ) but XXXX reported that i paid ( OK ) meaning on time. how is that so? how can i be late CO and OK at the same time. these inaccurate reporting 's are in violation and need to be removed from my credit reports. thank you in advance for your help.

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 2022-09-21
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:
In accordance with the Fair Credit Reporting Act. This account below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 

Account XXXX XXXX XXXX XXXX  Credit Card # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 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 2022-12-10
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I paid off a mortgage loan in 2006. The lender did not file a lien release. I am trying to sell my house now, and can not ; due to the lien. I am having trouble wit Bank of America getting the lien released. I have sent them copies of the payoff check, my settlement statement and XXXX overnight receipt. I am getting the run around on the lien release! 
Original property address is XXXX XXXX XXXX, XXXX, NE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: EQUIFAX, 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:
I have contacted and disputed these inquires and Equifax has yet to remove from my report after i have told them over them phone as well in letter form that these was NOT my inquires. Please Have Removed ASAP Thanks I'm attaching a Police report with this complaint. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account with XXXX XXXX Because my husband committed suicide, and this was where he banked, and I thought it would be easiest to have an account at the same institution in order to get his account closed and the monies over to me since he died intestate. I did all the paperwork required and was able to make a final deposit of his paycheck which was payable to me in XX/XX/2022. Ive then closed the account. now the bank is saying that somehow that deposit was turned into a payment to me in XXXX which is completely fraudulent. I have a copy of the check showing that it was paid in XXXX and the account was closed in XXXX. They re-opened my account in XXXX for some unknown reason and say that they paid that amount to me and are now charging me overdraft fees and want me to repay them the {$1800.00} amount of the check. This is complete fraud or an error on their part. The check is endorsed for deposit only. How does this turn into a payment to me? The check is Marked paid and dated XXXX. Multiple calls to their customer service have gotten me no where. 
And in the meantime, theyre also sending me a letter saying my account has a XXXX balance, and needs to be closed???

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 2023-04-02
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See Attached letter to XXXX XXXX of Wells Fargo detailing the background of my case. Of note my loan modification was approved by Wells Fargo on XX/XX/XXXX after successfully completing my trial period. Problems started when trying to process the loan documents. XXXX XXXX, who lives in XXXX, is my common law wife as we have never been legally married. 

At one point I was advised by a Wells Fargo representative that final documents would need to be sent to me in XXXX, MO. and then forward to XXXX XXXX to process and return to Wells Fargo. Later Wells Fargo informed this process was not correct and that documents needed to be sent to me for processing and returning and a separate set of documents would be sent to XXXX XXXX to process. Later I was informed my documents were correct but there were some issues with the documents from XXXX XXXX. Find this strange as her documents were notarized by a Wells Fargo Bank Manager. 

Unable to get help and the correct direction on how to process the loan documents I started reaching out to executives at Wells Fargo.See attached letter from XXXX XXXX dated XX/XX/XXXX after a call. He informed me I was removed from the review process on XX/XX/XXXX because I did not make follow up contact with Wells Fargo. Of note he also confirmed a Wells Fargo Manager did NOT return my call for help. After receiving different directions from Wells Fargo representatives I requested that a Manager call me and provide the correct way to process these documents. 

On XX/XX/XXXX I elevated my request for help and clarification to XXXX XXXX in the Executive Office. See attached message. XXXX XXXX did not reply to my message. So I tried to reach XXXX XXXX, see attached file and he did not reply. So I finally addressed a letter to XXXX XXXX, CEO asking for help. Shortly after these message a very nice and capable lady XXXX  called me to discuss my case. It was extremely comforting to finally speak with a real live person to discuss my case. 

XXXX XXXX sent me the attached letter on XX/XX/XXXX. Unfortunately some of the research and information provided to her was not accurate or complete. See attached letter I prepared but did not send because XXXX XXXX and I had a conference call with her. 

Please note the phone number in this file is for XXXX XXXX who has an excellent understanding of everything. You have my approval to speak with her or can call me at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have violated my federal protected consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 Section 602 A It also States a consumer reporting agency can not furnish a account without my written instruction. 
15 U.S.C.1681 .c ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information other than records of criminal conviction which antedates the 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 2022-12-11
Company: TD BANK US HOLDING COMPANY
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:
A hard inquiry has shown on my credit report dated XX/XX/2022. 
From TD Bank USA / Target C. 
This is incorrect. I have not applied to this company ever. 
My concern is that another person has attempted to use my info to get a credit card. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: IN
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:
Since XX/XX/XXXX I have paid my XXXX XXXX account in full. It is still showing that I owe over {$80000.00}. And it is reporting to my credit as of XX/XX/XXXX. I need this to be taken off of my account so that I can get an FHA loan. And I will not be able to get it with that delinquent account sitting 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 explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft for 3 years, I have tried to rectify this situation with the credit bureaus and they have failed to remove all of the fraudulent information from my reports. XXXX has refused to do a thorough investigation on 3 separate occasions. They have verified information in less than XXXX hours in each dispute. The creditors have removed the accounts from the other 2 bureaus. The accounts are as follows : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND INQUIRIES XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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, XXXX XXXX XXXX account # XXXX ; XXXX XXXXXXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX has violated my rights 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 an account without my written instructions.

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2023-08-18
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023, I notified LexisNexis that I am a victim of identity theft. I included the required supporting documentation with my notice. In a letter dated XX/XX/2023, LexisNexis advised me of my rights as a victim of identity theft. LexisNexis letter states : you have the right to opt-out of our XXXX XXXX XXXX databases, Prescreened Offers of Credit and Insurance , as well as have your information suppressed from our XXXX, XXXX, and XXXX XXXX Additionally, LexisNexis Consumer and Data Access Policy, found at https : //risk.lexisnexis.com/consumer-and-data-access-policies regarding U.S. Consumer Opt-Out states : private individuals who are victims of identity theft may request to have personal information about themselves suppressed from LexisNexis products and services available to subscribers of our restricted public records products. On XX/XX/2023, I notified LexisNexis that I was exercising my right to remove/suppress ALL information related to me and/or any of my identifiers from ALL LexisNexis products, including my LexisNexis XXXX Reports. As of the date of this complaint, LexisNexis is violating my right to remove/suppress ALL information related to me and/or any of my identifiers from ALL LexisNexis products, including my LexisNexis XXXX Reports  by continuing to report information ( including incorrect, incomplete, and inaccurate information ) related to me and/or my identifiers in LexisNexis products. LexisNexis is violating their own policy by refusing to remove and/or suppress ALL information related to me and/or any of my identifiers from ALL LexisNexis products. This shall serve as an additional formal written notice to LexisNexis that, effective immediately, I am exercising my rights as a victim of identity theft to remove and/or suppress ALL information related to me and/or any of my identifiers from ALL LexisNexis products, including my LexisNexis XXXX Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Resurgent Capital Services L.P.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a collection notice in the mail from LVNV funding for a debt that was already settled. I wrote them a letter on XX/XX/2022 within the 15 day period after they sent the letter asking them to validate the debt and to cease and desist all collection efforts until they could prove there was a debt owed and they own the debt. The company never responded and still proceeded to report the account on my credit report on XX/XX/2022. This is highly illegal and this company is still in business regardless of them repeatedly violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, 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:
On XX/XX/2005 there was an account open in my name and social security number due to identity theft by someone who stole and sold my identity. This account doesnt belong to me and is on my Equifax credit report. The account number is XXXX, the amount is {$780.00}. 
I have called this company numerous times to get this resolved and they just put me on hold and never come back to the phone. Ive tried to get this resolved with Equifax as well. 

The company name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX

Company response to consumer: Closed with explanation