BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 tried repeatedly with documentary evidence that XXXX unethical predatory practices including credit reporting violates law. TransUnion gets revenue for reporting false information and refuse to to look into the documents support my position that the error on my credit report is wrong. I sent XXXX letter with their company letter head proving the information on my credit is wrong and TransUnion refuses to delete it. I voluntarily gave my son vehicle back the end of XXXX beginning of XX/XX/2016. There tow truck driver used the vehicle for 6 months in my name and made payments. It wasn't until I inquiring about the auction date that for over 1 month XXXX stated I did not return the vehicle. The account close date is not XX/XX/2016 and the balance should be XXXX not XXXX. That keeps increasing while charged off.

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 2023-06-17
Company: Experian Information Solutions Inc.
State: FL
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 not my account XXXX XXXX number XXXX balance {$4300.00} Accorcing to 15 USC 1681b Permissible purpose I did not authorize anyone to report this info to my report. To continue to report this is identity theft.

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 2022-11-27
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediatelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX REPORT XXXX 2020 BALANCE {$9300.00} HIGHEST {$10000.00} TRANSUNION AND XXXX IS REPORTING THIS AS A REAL ESTATE LOAN/MORTGAGE. THAT IS WRONG. IT SHOULD BE REPORTING XXXX XXXX XXXX HOME EQUITY LINE OF CREDIT REVOLVING TERMS BALANCE AND CREDIT LIMIT 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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2022-11-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, I need to request a new debit card, must be sent to my mailing address which is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, California XXXX I called customer service to request this but they are unable to send me a passcode, even I added my phone from XXXX under my name. 
All the situation with wells fargo has been horrible and difficult, I posted 3 claims due the online banking issue, now I can access from the computer, but from the app is having the same problem. 
Now I need the debit card, the original never arrived

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 2022-11-07
Company: EQUIFAX, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
I requested disclosure with negative accounts on my credit reports with the 3 Credit Bureaus XXXX, Equifax, and XXXX. Credit Companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX/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 explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 2023-04-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, On XX/XX/XXXX I mistakenly sent a XXXX payment of {$1000.00} to the wrong recipient XXXX XXXX XXXX ) XXXX. I immediately contacted her and let her know that I mistakenly send her the funds and if she could please return them. She said she opened a case with XXXX XXXX XXXX XXXX  XXXX. I also opened a case with my bank Chase Bank Claim number : XXXX and XXXX. XXXX says the funds are not in her account, and XXXX XXXX is in possession of the funds. Chase claims they have been unsuccessful in retrieving the funds. I called XXXX XXXX to sort out the recovery of the funds, and they said due to internal procedures they are not able to return the funds directly to me and that Chase would need to file a claim on my behalf. Chase bank refused to contact XXXX XXXX to assist me in retrieving the funds. XXXX XXXX has confirmed that they are in possession of the funds. 

The recovery ID on XXXX XXXX is XXXX XXXX Any intervention will be greatly appreciated. Thank you Please reference previous case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi, in resolution of my complaint # XXXX, XXXX agreed with my regulator to count my XX/XX/XXXX payment towards PSLF. However, they have refused to honor that agreement. I have records attached. Also, they have since refused to honor the limited waiver program to count my XXXX and XX/XX/XXXX payments towards PSLF. I've attached proof that those payments should be counted as well. Moreover, they haven't updated my count to include my most recent employer certification. To help you navigate the attachments, I'm attaching some additional XXXX records ( my loans were transferred from XXXX to XXXX at the end of XXXX XXXX ). Of course, my loans have since been transferred to Mohela which does not have adequate phone contact information. Some numbers dont work and the ones that do only have recordings, no options to connect to a representative. Please help to rectify my account/PSLF tracking the limited waiver program expires. Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

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. 


DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/AIDVANTAGE 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 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 2023-02-26
Company: LEXISNEXIS
State: NC
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:
XXXX complaint CLOSED Opt-out processed from all public-facing products. Our records indicate that on XX/XX/2023, XXXX XXXX contacted the LexisNexis Privacy Manager to request an opt-out of certain LexisNexis products. LexisNexis processed XXXX . 
XXXX request and opted his name, address, and phone number out of our public-facing products pursuant to the Privacy Policy listed on our website, and a confirmation letter was mailed to XXXX. XXXX for review. 

I never stated an opt out of certain products, I stated removal off all of my information from all products. 

This is a violation of my privacy, 15 U.S.C 1681 section 602A. 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. 


The U.S.C above do not state that the code does not applies to certain products of lexis Nexis for variety of customers, including consumer reporting agencies such as XXXX, XXXX, and XXXX. There is not any law stating it must be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
Since XXXX of this year, I have been looking to buy a home for myself and my sick uncle. When I reviewed my credit report, I realized that I have several damages on it. I have no knowledge of a few of these accounts, so on XX/XX/XXXX, I sent dispute letters to the credit bureaus, in an attempt to remove the fraudulent items from my report, with no success. When XX/XX/XXXX arrived, once again I sent dispute letters to the credit bureaus. This time, one account was deleted, but it was one that had been closed for over 10 years. Ive been doing a little research, and according to the 15 U.S.C 1681 Law, there should be no damages on my report, because its a defamation of my character. Im just trying to obtain a better living space for my uncle and me, and I cant do that because of these negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company sent my husband XXXX XXXX a notice late XXXX or early XXXX stating we owed XXXX XXXX XXXX XXXX. I then disputed it with them telling them the dental office should bear this debt due their lack of communication in letting him know this would not be covered by the insurance like they had in previous months. It was their responsibility to contact the insurance ( as they had previously ) to inform their patient what would be covered. I wrote Radius Global Solutions and in turn they sent back a message with NO DUE DATE to provide proof. But no explanation of the type of proof needed. Their letter did not address what I stated as the issue but gave no real direction. Next thing we know without warning, they put a collection notice on XXXX 's credit report and ruined his credit by XXXX points. It is not fair or just how they did their business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EAST WEST BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I dropped off a payment check to my local post office to pay for my credit card bill around XX/XX/2022. The check was made payable to my credit card company for {$170.00}. The check was altered and forged to someone I do not know and for the amount of {$6400.00}. My bank, East West Bank paid the check on XXXX and in the amount of {$6400.00}. I contacted the bank as soon as I noticed and Forgery Affidavit Claim was submitted on XXXX. 
Another check was forged and paid in XXXX. East West Bank opened a forgery case for that check. I was under the impression that my account was under special care/flagged. I was advised not to close account yet as I had some outstanding checks and payments that had not cleared. How could this happen to my account again and for such a large amount?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: AZ
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:
I am currently applying for a home mortgage and that requires a credit check. I already have 2 lines of credit in the form of credit cards. XXXX and XXXX both successfully recognized and verified my personal information and were able to furnish a credit report. Equifax was not able to verify my identity and did not issue a credit report. I was also unable to make an Equifax account on their website and it led to error code NH. I called Equifax on XX/XX/2023 and was told to fax a cover letter including my name, address, and problem along with a copy of my social security card and personal ID card ( drivers license ) to XXXX. I was told on the phone this would take 3-5 business days. I sent this fax on XX/XX/2023 and successfully received a fax confirmation page. I was unable to make an Equifax account on XX/XX/2023 leading to the same error code NH. I called Equifax 's support network again on that day and was told to wait another 5 days. I sent an additional fax of the same information on XX/XX/2023 after this conversation and successfully received a fax confirmation page. I waited until XX/XX/2023 and called Equifax back to ensure they received the faxes, but the Equifax agent informed me that they have no record of my account or having received any faxes. At this point, I have been denied a mortgage due to Equifax. I have sent 2 faxes and waited the appropriate amount of time and the Equifax agency has yet to acknowledge their receipt or issue a credit report.

Company response to consumer: Closed with explanation