BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TRANSUNION IS ALLOWING XXXX  AND XXXX TO ATTACK MY CREDIT FILE. THESE COMPANIES ARE REPORTING 3 COLLECTION ACCOUNTS FOR THE SAME CREDIT FILE IN ORDER TO PUNISH ME FOR ASKING FOR THE PROOF OF THESE ACCOUNTS. THIS IS ILLEGAL. TRANSUNION CAN NOT PUNISH ME WITH THESE COMPANIES JUST BECAUSE THEY DO NOT HAVE THE PROPER DOCUMENTATION NEEDED TO HAVE ACCORDING TO THE FAIR CREDIT REPORTING ACT. I DEMAND TRANSUNION DELETE XXXX AND XXXX  ACCOUNTS DUE TO HARASSMENT AND ILLEGAL ACTIVITIES ACCORDING TO THE FAIR CREDIT REPORTING ACT 609 ( a ) ( 1 ) ( A ). THIS IS ILLEGAL!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please see attached file

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 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've been contacting the Capital one credeit card company about a fraudulently opened account with the number XXXX, since I saw this when i had to do some credit application about a year ago. I've asked the representative to send me a wet ink application signature of mine and i haven't gotten a reply from them. This is a fraudulent account and Capital one keeps reporting the account delinquent a fail to remove it from my credit report. This action has caused me tremendous pain and has caused me to be denied credit. I didn't know of the way to do anything until I got an email of how to get help with fraudulent items on credit report. Please assist me with getting to the XXXX XXXX XXXX company who's prefers to destroy a real person who was taken advantage of by fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Ive disputed this account several times and each time the information comes back as verified and updated. My most recent dispute was through the CFPB site in XXXX. They are reporting an inaccurate date of last activity and an inaccurate account number. 
XXXX Account numbers are listed as XXXX and XXXX ( ON TRANSUNION ) They need to remove it from my account and stop reporting for FCRA non-compliance of inaccurate data furnished on 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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-11-08
Company: EQUIFAX, INC.
State: MD
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:
======== Hi I am XXXX XXXX submitting this without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XX/XX/XXXXand XX/XX/XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of 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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 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 2022-11-08
Company: Experian Information Solutions 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:
Hi, The following issues are incorrect : : - payment history history and amount - incorrect past due amount and balance - last reported date of activity - incorrect credit usage percentage This account has been since XX/XX/2022 and XXXX XXXXXXXX XXXX is still reporting negative items to to Experian credit report. Also, the account was charged off therefore according to the FCRA it is illegal to continue to report the following items : - Credit Usage - Balance - Past Due Amount - Credit Limit

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 2022-11-08
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Equifax, XXXX, XXXX Re : XXXX XXXX XXXX  accounts To Whom may concern, On XX/XX/XXXX I filed a dispute/complaint through the CFPB pertaining to two fraudulent files furnishing on my consumer report. I requested a investigative consumer report Pursuant to 15 USC 1681d ( a ) done by all consumer reporting agencies by phone and through the CFPB initially pertaining to the two fraudulent accounts. On XX/XX/XXXX Equifax responded back that the account had been either disputed or they provided me with results already. In which both responses are unacceptable. I never received anything. Due to my right to privacy as a consumer being violated Per USC 1681 ( a ) ( 4 ) by furnishing and sharing my information without my knowledge or consent. I filed the dispute/complaint on XX/XX/XXXX ( # XXXX # XXXX # XXXX ) requesting Pursuant to 15 USC 1681i ( 7 ) the description of the reinvestigation method referred to in 15 USC 1681i ( 6 ) ( B ) ( iii ). I requested all documents involved in the reinvestigation. Pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ) if the completeness or accuracy in a consumers file is disputed the consumer reporting agencies shall conduct a reinvestigation to determine if disputed information is inaccurate and record status, or delete the item from file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I filed this dispute through the Consumer Financial Protection Bureau on XX/XX/XXXX, its currently XX/XX/XXXX. I havent received any description of the method of reinvestigation thats assured to me the consumer in 30 days by Congress. This is very detrimental to me the consumer in these grave times of economical hardships, with all the scrutiny of millions of inaccuracies and non-investigation accusations coming against the consumer reporting agencies from Congress and Consumers alike. As well as its being openly admitted by the consumer reporting agencies of discarding millions of disputes a year without investigation. Discarding any dispute without investigation violates the Fair Credit Reporting Act FCRA. Its already has been reported that CFPB has cited you Consumer Reporting Agencies for accepting insufficient investigation reports from data furnishers without an independent investigation. Which as a consumer, this misuse of power and responsibility is a grave concern to me in these hardship times of economical struggle, scams, identity theft and so forth. I request both fraudulent accounts be deleted from consumer report pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ). Pursuant to 15 USC 1681n theres civil Liability for the willful noncompliance of the FCRA. Which will be my next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Apartment was infested.

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 2022-11-08
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below.

i have already disputed with each bureau on XXXX XXXX XXXX, but they did not remove these items.

Sec. 602 States I have a right to privacy. 

XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2022-11-08
Company: EQUIFAX, 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:
I am a victim of identity theft. XXXX, XXXX, Equifax and their nonaffiliated 3rd parties are violating my federally protected RIGHT TO PRIVACY. They are using and furnishing information on my consumer report without my consent which is causing damage to my reputation and character! This constitutes as a violation to the Fair Credit Reporting Act and the Gramm Leach Bliley Act. SEE ATTACHMENTS

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

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022

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 2022-11-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I authorized a wire transfer from Wells Fargo in the amount {$200000.00} to XXXX XXXX, c/o XXXXXXXX XXXX XXXX XXXX XXXX said there was an investigation and Wells Fargo issued a recall for the funds. XXXX still has the money. I have been trying to get my money back since the end of XXXX. Wells Fargo sent XXXX MESSAGES on XXXX, XXXX, and XX/XX/XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX  was able to locate the information and according to XXXX  they responded to Wells Fargo XXXX XXXX Message XXXX XX/XX/XXXX, and XX/XX/XXXX, XXXX. They have NOT received a response from Wells Fargo. Original Claim Number : XXXX - XXXX received a letter from Wells Fargo dated XX/XX/XXXX, stating the inquiry was closed due to no response from XXXX XXXX. Wells Fargo needs to locate those Swift Messages from XXXX and respond accordingly, immediately please. I have been Wells Fargo for over 35 years and would think situations like this would be handled efficiently. The new case number I received from Wells Fargo is XXXX. However, when I call in no one can find it. I even sent a letter to corporate in XXXX. NO RESPONSE. I have been trying to get my {$200000.00} back since the end of XXXX. And, to find out Wells Fargo received a response from XXXX on XX/XX/XXXX is quite upsetting. My husband is in an XXXX XXXX facility and I support both of us. I really need help getting MY money returned. My understanding is that a, " Hold Harmless Agreement '' needs to be executed. 
Thanks, 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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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