BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
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 XXXX  XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraudulent charge was disputed, through Bank of America. Bank of America, removed the the credit stating that the charge was valid. 
A charge for over XXXX and a charge for XXXX dollars.

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 2023-05-20
Company: U.S. BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
YOU CLOSED MY PREVIOUS COMPLIANT THINKING IT WAS A COMPLAINT FROM XXXX THIS IS A NEW COMPLIANT! 

I sent a Cashier 's check with all appropriate paperwork on XX/XX/2023. I was very careful to send the payoff to the overnight lease address on the payoff paperwork. I have called US Bank 4 times to get an update as to why the account has not been paid in full and Title sent out. I have given them the person 's name and tracking number that signed for my overnight package. US bank won't confirm that person works there and doesn't know where the check is, all the while the account hasn't been paid off. I have asked for managers and have gotten nowhere. The indifference and gross negligence is why I am filing this compliant. I have a buyer for my vehicle who is now backing out because I can't get Title for a vehicle that I sent a payoff for almost 2 weeks ago.

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 2021-12-02
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good day. On XX/XX/2021 I received a communication [ NOTICE OF SERVINGS TRANSFER ] from LOANCARE. I followed the instructions and tried to make my mortgage payment too XXXX XXXX via the website but to know avail. On XX/XX/XXXX I sent a RESPA REQUEST AND REQUEST FOR VERIFICATION OF DEBT VIA certified Mail receipt. As of this day I have not received a response back. I continue to receive threatening calls from XXXX XXXX  REQUESTING FOR PAYMENT WITHOUT SENDING ME A HELLO LETTER IN VIOLATIONS OF XXXX XXXX XXXX  transfers. I CONTINUE TO CONTACT LOANCARE and they continue to give me the run around. They will not respond back to my certified mail request for validation and verification. Now LOANCARE and XXXX XXXX is demanding for payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reported this twice with both Transunion and XXXX and lastly XXXX  via It has come to my attention that XXXX XXXX has flagrantly disregarded not only the Fair Credit Reporting Act but also the Privacy Act of 1974, particularly within the scope of 12 CFR 1016.1. This regulation underscores the importance of treating nonpublic personal information with utmost care and outlines essential requirements, including the obligation of a financial institution to provide notice to customers about its privacy policies and practices.

Furthermore, 12 CFR 1016.4 clearly stipulates the necessity of an initial privacy notice to customers and consumers alike. Every company, including XXXX XXXX, XXXX, XXXX, transunion are mandated to furnish a clear and conspicuous notice that accurately reflects their privacy policies and practices before they contribute any information to a consumer report. This provision serves as a fundamental safeguard of consumer privacy. 

My concern is not limited to these regulatory oversights ; it extends to the broader implications for my financial well-being and personal privacy. The Fair Credit Reporting Act and Privacy Act of 1974 are in place to protect consumers like me from unauthorized disclosures and safeguard our sensitive information. XXXX XXXXXXXX XXXX, actions, or lack thereof, represent a serious breach of these vital safeguards.

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 2023-06-19
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
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:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-06
Company: Navient Solutions, LLC.
State: WA
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:
XX/XX/XXXX tell XX/XX/XXXX My student loan from Navient Department of Education shows DELINQUENT or PAST DUE OF 90- 120 days, which is not correct. 

I had emailed Navient Department School Loan and I have proof of the email as well, and also a email with a response back from Navient Dep Education employee named XXXX XXXX and XXXX XXXX, stating that your FORBEARANCE has been APPROVED and my next payment is not tell another 4 months and I am not required to make any payments at this time and it will not affect my credit or interest rate as it is a fixed interest rate. 

Knowing that my foreberrance is approved, as I can not make any payments being in XXXX XXXX and being a XXXX year XXXX XXXX at XXXX XXXX University, XXXX continue not to make any payments. 

I got my credit run by Homeland Security Immigration Services in WA DC for school clinical related reasons. I was then notified that my School Loan from Navient is showing Delinquent by 120 days. 

I then again had contacted Navient, sent over all the documents and proof showing that my forbearance was approved since I am in school, and sent a letter explaining what happens and that I should not have any late payments showing on my credit, I was told that it would be taken care of by XXXX XXXX XXXX   Employees, I checked and that never happens. 

I then called again around XX/XX/XXXX to follow up with everything and I was told that XXXX XXXX XXXX is working on it. 

I recently checked my credit again, and its still showing 120 days late, and it shows 9 LATE PAYMENTS since their are 9 small subsidized and subsidized loans.

This makes my credit very bad and me personally look like an irresponsible person and also as a XXXX XXXX, which I do not want and I am not either. 

Please get this issue resolved and removed from my all of 3 Credit Reporting company 'S including XXXX, XXXX, and XXXX asap, I WOULD LIKE THIS ISSUE RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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 XXXX XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-12-14
Company: Early Warning Services, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I would like to draw your attention to XX/XX/2022 - I had sent my complaint letter to Zelle, in which I clearly stated how this scam has affected me personally, pXXXX  and financially. 

About XX/XX/2022, I fell victim to a multi-layered scam operation run by fake Zelle representative which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXl Bank account to fraudulent investment firms. 

I am yet to receive a satisfactory response and resolution from Zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls everyday from a different number while I am at work. No message Portfolio Recovery Associates ... see there are many complaints against them. I owe not debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: Braviant Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I was issued a loan from XXXX XXXX for {$1000.00}. To date, I have paid {$1000.00} which has cleared and posted plus another {$200.00} which is in process for a total of {$1200.00}. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$1000.00} loan, the fees collected should be {$150.00}. Once my XX/XX/XXXX payment of {$200.00} has cleared, I will have paid {$1200.00} exceeding the {$1100.00} allowed by South Carolina law. 

The XXXX website does not show a balance due, however, indicates payments of {$200.00} are to continue bi-weekly until XX/XX/XXXX. After the XX/XX/XXXX payment, this means I will have to pay another eleven payments of {$200.00} or another {$2200.00}. This will result in my paying {$3400.00} for a {$1000.00} loan. 

This is PREDATORY, OBSCENE and APPALLING!!! XXXX XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 

Once my XX/XX/XXXX posts to my account, I will have paid {$1200.00}. XXXX XXXX will have received the {$1000.00} back plus {$200.00} in fees. At that time, I want my account marked " Current/Paid in Full/Closed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 accounts/purchases are fraud and need to be removed from my report immediately. I am a victim of identity theft. These accounts listed in the affidavit were not charged by me. I've also provided the FTC affidavit in regards to these accounts. Please remove them as soon as possible as it is causing me serious harm and inconvenience 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 2017-03-20
Company: TOLL BROTHERS INC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am a residential mortgage broker in Illinois and have been licensed since XXXX.There has been an ongoing issue within my industry that has affected consumer unfairly and thus unfair to the market as it pertains to me. New construction builders have always offered significant financial incentive in the form of significant upgrades in order for buyers using their source of financing, mortgage bankers and other companies at much higher interest rates than what the free market can offer. In particular, and this not being an isolated incident, I have been working with a long time borrower since last fall in providing preapproval and financing information with the borrower/buyer where she absolutely was committed to me because of the service I 've provided her in the past as well as having the most competitive pricing on the market. We issued a preapproval but the builder wanted their own financing company to preapprove the buyer to ensure her qualifications without obligation to using their financing. This is n't all that unusual. I recently reached out to the borrower to see when ground breaking was to take place and was informed that she has decided to use the builder 's financing source in exchange for a free {$30000.00} basement that otherwise would not be available for " free ''. She had no choice. The borrower should have the option using whoever they 'd like and has the best overall price/value. This is NOT an unusual circumstance but the norm. I understand the CFPB has been looking into this practice which prompted me to file this complaint. I have emails to document all described above if asked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I have currently filed illegal suit in the county of XXXX and given the information contained in the audio recorded with the JPMorgan Chase holding company I firmly believe it's a waste of time see you to spend attorneys fees to defend this case in court and I'm asking politely that you remove this from my credit report please see the link to the audio recording JP Morgan Chase representative supervisor and the documents and the court filing attached below XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, 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:
I am a victim of identity theft and the information inserted under XXXX XXXX in the amount of {$400.00} is a result of identity theft. I have never done any business with XXXX  XXXX. Please delete this account from my credit file immediately. As directed by 605B of the FCRA you are required to block and notify furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my six 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 XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}

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 2023-07-25
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:
I AM 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.

PLEASE SEE ATTACHED 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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : - XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} 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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My personal information : Social security number, name. And address have been improperly used on my reports. I have been a victim of fraud and there are many inquiries on my credit reports that I did not request. 
The following inquiries are as follows : 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 2023-04-06
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield Inc. called my wife and me about a rental property debt. I submitted a request for confirmed proof of this debt on XXXX XXXX XXXX. The letter was delivered on XXXX XXXX  at XXXX XXXX  according to my tracking ( # XXXX ) from the certified mail receipt from the USPS XXXX I never received anything from Hunter Warfield and now this collection shows up on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called the National Consumer Telecom & Utilities Exchange to place a security freeze on my data report. They said they could not locate my information. I need to have an immediate security freeze placed on my data report, because of the XXXX  breach, someone could open a cellphone or internet or cable account in my name without my authorization.

Company response to consumer: Closed with explanation