BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: Credit Counsel, Inc.
State: FL
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:
Dear Credit Bureau, My Name is XXXX XXXX XXXX XXXX, XXXX XXXX and mailing address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 

This letter is a formal complaint that the following creditors are reporting inaccurate credit information : 1- XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) 2XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX 3- Credit Counsel, XXXX ( XXXX XXXX XXXX ) DO NOT RECOGNIZE I am very distressed that this company has included the below information in my credit profile, due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on these reporting creditors part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a several credit cards and business loans, which was highly embarrassing and has negatively impacted my lifestyle. 
With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
You have been stubborn with the requests to remove the negativities from the accounts that are reporting erroneous information on my Credit File and you have been neglecting your responsibilities with the Fair Credit Reporting Act. I am submitting this CFPB complaint once more to request to you to remove the disputed erroneous accounts corrected as soon as possible. Also, you have been failing to send me copies of proof of verification from your supposed investigation. Did you really conducted any investigation at all? Now, I am submitting this last and final CFPB complaint to request to you to correct the disputed accounts from my Credit File as soon as possible. Here is the list of accounts that you should have corrected at the begining : XXXX XXXXXXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} DEPT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date the only response that I have received was a computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 


XXXX ACCOUNT # XXXX PLEASE DELETE OR I AM SEEKING LITIGATION. 



XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT # XXXX PLEASE DELETE OR I AM SEEKING LITIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: MO
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:
You have been stubborn with the requests to remove the negativities from the accounts that are reporting erroneous information on my Credit File and you have been neglecting your responsibilities with the Fair Credit Reporting Act. I am submitting this CFPB complaint once more to request to you to remove the disputed erroneous accounts corrected as soon as possible. Also, you have been failing to send me copies of proof of verification from your supposed investigation. Did you really conducted any investigation at all? Now, I am submitting this last and final CFPB complaint to request to you to correct the disputed accounts from my Credit File as soon as possible. Here is the list of accounts that you should have corrected at the begining XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Fl XXXX ADDRESSES LISTED ABOVE : ACCOUNTS LISTED BELOW : XXXX XXXX XXXX {$260.00} XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX PLEASE DELETE FROM MY ACCOUNT OR BLOCK

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 2023-02-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I submitted a claim with CFPB ( case # XXXX ) a few weeks back. 
Wells Fargo has attempted to close out this claim and I am not satisfied with their response. 
I officially retired on XX/XX/XXXX from XXXX XXXX XXXX. 
WF indicates the XXXX XXXX XXXX took over XX/XX/XXXX which was almost a year after my retirement date! 
WF closed out my 401 k and transferred my monies to XXXX. Not XXXX XXXX. 
WF deducted over XXXX from my funds for transfer. 

I do not think their response for me to reach out to XXXX XXXX is appropriate. 

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 explanation
Consumer complaint received 2023-11-02
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:
To whom it may concern, Your company says I legally owe you money. I will PAY under one condition if you can provide it. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been deliveredXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not consent to an electronic communications. I am the person making this complaint & I give CFPB authority to investigate this claim. And I request all responses be in writing through the USPS.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
These items are listed on my report that don't belong to me and I have already contacted companies. 

XXXX 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 2023-01-21
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquires were not approved via the contact listed on my credit report. I am a victim of continuous Identity theft. My personal information was compromised and is listed on unsolicited sites. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 2023-01-19
Company: TD BANK US HOLDING COMPANY
State: AL
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 initially disputed inaccurate information with the credit bureaus and Im assuming they reached out to TD AUTO FINANCE about the information I provided. Theyre violating my FCRA rights by continuing to update inaccurate information. Theyre reporting 3 repossessions and also have different balances on credit reports. Theyre also have a repossession for the month of XXXX and a payment was made for that month. They also failed to report my last payment in XX/XX/2022 but reported the repossession and repossessed my vehicle within a week after I paid them. Theyve also reported an auto loan on my credit report which is inaccurate. Proof that its a retail loan will be uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Bread Financial 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 do not agree or accept the company response. I demand they send me the agency and employees that they verified their information with. In addition, I want my XXXX XXXX account to reflect as on time for the 30 day late because it was paid on time as agreed. They also is in violation of 15 U.S.C. 1666B.

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 2023-04-05
Company: Selene Holdings LLC
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: Old information reappears or never goes away

Complaint:
Selene Finance LP continues to put negative information on my credit report for a property on a mortgage that was foreclose in 2011, this has come to light now that I am trying to purchase a new home in my credit report, further more they have sent me a 1099 - C that now is causing me a big financial deficit making me pay in taxes over XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions 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 won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I can not fathom how my pleas for help have been met with indifference and stony silence. The anguish and turmoil I have endured due to identity theft is overwhelming, and your bureau 's unconscionable neglect has exacerbated my suffering. I demand that you immediately acknowledge and investigate my identity theft disputes. Your reluctance to do so is incomprehensible and infuriating. My rights as a consumer have been egregiously violated, and I demand justice. These are the accounts that I'm disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts 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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, 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 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorization for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever aconsumer reporting agencyprepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for a re-investigation of the following personal information, unauthorized inquiries, and inaccurate accounts : The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Employers : XXXXXXXX XXXX 5. The following personal information is incorrect Employers : XXXX XXXX  PLEASE DELETE THE INACCURATE PERSONAL INFORMATION ABOVE FROM MY CREDIT REPORT. I only give permissible purpose for the following accurate and correct personal information to be furnished : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Of Birth : XX/XX/XXXX Social Security Number : XXXX Employment : I do not wish to have this reported. N/A Please delete any other personal identifiers as they are inaccurate. The Fair Credit Reporting Act states my credit report must be 100 % accurate when furnished. I have included documents that verify my identity with this letter. 

Thank you for your due-diligence in having this corrected as soon as possible. 

With Kind Regard, 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 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I went to the drive through at Bank of America in XXXX XXXX NY located on XXXX XXXX XXXX I deposited {$460.00} cash into my checking and account it only acknowledged {$260.00} dollars the screen displayed a error message and asked me what was the total deposit then it begins to do a countdown I was unable to answer because the screen went blank. I received a error message slip took it into the bank and they informed me the drive through does not belong to Bank of America and gave me a number to call, I called the number gave them needed information I was then told it would be investigated and would take 2-3 business days I informed them I needed access to my funds to take care of car insurance the gentleman then told me he understood and would reach out to his Supervisor he then told me I would be credited the {$200.00} that day. The credit was not in my account my bank account then went into the negative I called again and informed them of the issue they they told me its being investigated and it would take 10 business days to sort it out.This is mot ok it has inconvenienced and caused me bank fees that I should not have happened and theyre lack of urgency is negligent.

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 2023-08-28
Company: EQUIFAX, 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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation