BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously disputed with transunion, XXXX and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-04-02
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I paid XXXX {$60.00} on XX/XX/21, because of a bill they said I owed. When I pulled my credit report, the bill had been reported the the credit bureaus and they did not afford me the opportunity to dispute this amount, because I never used their service and the equipment was returned. The debt is still on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX 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 2023-04-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I cancelled my secured Diamond Citibank Mastercard account on XX/XX/XXXXXXXX I now have 3 seperate and unsecured credit cards with limits totalling {$12000.00} and I no longer need a secured card with a credit limit and security deposit of {$400.00}. When I called, I initially inquired about converting this secured account to an unsecured account and asked for a refund of my security deposit. I have always paid my full balance in full every month since having the account. They seemed to have no interest in doing so in spite of the fact that my credit scores were XXXX, XXXX, and XXXX at that time. With that in mind, I paid the open balance of {$16.00} and was told they would credit back the annual card fee that they had only recently added to my account. I told them to just cancell the card and send my deposit refund. They told me the deposit would be sent within 21 days. 

I received a letter from Citibank about a week later dated XX/XX/XXXXXXXX XXXX This letter stated that my Collateral Holding Account ( CHA ) would be closed in 21 days in case of any pending transactions on my account. 

Their letter also told me to call them to request a refund of any credit balance on my credit card account at XXXX, so today I called. Well, that number is NO GOOD. It is strictly a phone number used to solicit additional business for them. I obtained a different phone number of XXXX and called them. I was told initially it could take up to 100 days to refund my deposit if there was still a balance on my account, which there is NOT. I was not satisfied with this answer, so at my insistance I asked for and spoke with Supervisor, XXXX, who told me the CHA has a maturity date of XX/XX/XXXX and that my security deposit won't be refunded until then! I told her this does not sound ethical or LEGAL. There is NO REASON for Citibank to hold onto my money for another 5+ months! As it is, Citibank has had my deposit for more than 2 years already and does not even pay a XXXX 's interest on this deposit! This simply isn't right. 

She refused to do anything more about it and ultimately transferred me back into their automated attendant system where she knew it would take for ever to be able to speak with someone again.

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 2019-08-28
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't know this company at all and do not owe them any debt as I have NEVER done business with them. They aren't even licensed to collect in the state of Tennessee. They should have never contacted me at all trying to get my social for verification of debt they should be able to prove without a doubt if I allegedly " owe '' them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
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:
Account has been paid in full and has not been updated in system

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 2023-09-05
Company: FIRST ADVANTAGE CORPORATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have attempted to have the company, First Advantage Consumer Disclosure CenteXXXX, address incorrect information on my background report. The report was produced for an employment purpose. I was told to request a dispute which I did but the errors in the report remained. I then requested a second dispute and the the errors still remained. I called First Advantage a third time at # XXXX XXXX and spoke with the same representative that I spoke with the second time I called, per his admission. He repeatedly spoke loudly over me and refused to listen then he hung up on me intentionally refusing to further address the ongoing problem. I have had two jobs with XXXX XXXX XXXX at two different times, one with XXXXXXXX XXXX XXXX and one more recently with XXXX. The report from First Advantage lists that I worked for both divisions ( XXXX XXXX XXXX XXXX XXXX  ) at the same time from XXXX, XXXX to XXXX, XXXX. I provided First Advantage with the correct dates of employment for XXXX and XXXX XXXX XXXX. I also provided the work # XXXX where my employment history can be verified. It is important that any background checks are accurate as I am still looking for employment and the next employer who offers me a job may use this same company, First Advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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 re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXXXXXX XXXX XXXX Balance : {$36000.00} Date Opened : XX/XX/XXXX, XXXX XXXX  XXXX : {$1000.00} Date Opened : 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 explanation
Consumer complaint received 2023-01-20
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I receive earnings to the XXXX XXXX XXXX and the card has been listed as expired preventing the use of the card without notice and I am unable to get information on how to access funds or speak with proper support about the issue.

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 2020-03-31
Company: EQUIFAX, 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:
I checked my credit report and it said I missed two payments for a company I have never done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: Millco Management
State: GA
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:
I spoke with this company requesting a copy of original agreement, a copy of payments that was made on this account a copy of how and when they obtained this account a written notice of why this account from them has been placed on my credit report I was told they dont care what I say it on my credit and my score will and is being affected and they the next step is they will see me in court she laughed called me out my name and stated she will call everyday for a year and also notify my employer how I dont pay my bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: WV
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:
Company : Equifax Complaint : Equifax has refused me access to my account after verifying my identity on multiple occasions. I have mailed the required documents to the provided address and answered their questions via internet and phone. Even after following their steps they still refuse me access my account or credit report. I have tried for months now but, they will not contact me and I have tried everything possible. They are refusing to allow me control, access and legal privileges of obtaining and disputing info on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: WELLS FARGO & COMPANY
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:
Incorrect information on my account. Account claims I had XXXX late payments on a WELLS FARGO BANK AUTO XXXX XXXX, XXXX, and XXXX of XXXX. And 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 explanation
Consumer complaint received 2023-03-17
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 multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-08
Company: Experian Information Solutions Inc.
State: FL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-03-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In reference to Wells Fargo letter responding to CFPB Complaint ID XXXX. 

In response to my complaint indicating discrepancies between the credit reporting bureaus of my current credit status and loan balances of my HELOC, Wells Fargo indicated that after a thorough review of my concern, they determined as of XX/XX/XXXX, that they were reporting correct information across all three bureaus. This seems to indicate that there has been no problem with Wells Fargo reporting promptly to the credit bureaus. 

Upon requesting a current credit report XXXX XX/XX/XXXX ) from all three credit bureaus, I have found another instance where Wells Fargo has not been promptly or accurately updating all three credit bureaus regarding my current credit history at Wells Fargo. 

According to the credit reports I received from XXXX, Wells Fargo reported on XX/XX/XXXX that the account was closed with a XXXX balance. According to the credit reports I received from XXXX and XXXX the credit information for the same Wells Fargo account was last updated on XX/XX/XXXX. Both reports inaccurately show that the account is still open and that I am an authorized user on the account, the credit utilization is 23 % based upon a balance of {$4200.00} of a credit limit of {$18000.00}. 

Is it normal for there to be a 4-5-month discrepancy in credit history reporting? 

Sincerely, 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 2023-08-16
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have tried to dispute an inaccurate Bankruptcy on my Credit report - US bankruptcy XXXX XXXX from XXXX - Acct XXXX starting on XX/XX/XXXX with the main 3 Credit Bureaus. XXXX removed the inaccurate information within 30 days, Experian did not and they stated they verified it according to the previous creditor ( the court ), and XXXX XXXX did not conduct an investigation,. So I disputed it again on XX/XX/XXXX with Experian and XXXX XXXX ( attached disputes ) and with the court at which it is allegedly held. XXXX XXXX stated that 'they could not verify it was me ' ... so I called them to verify and they said they would remove it, but both XXXX XXXX and Experian validated it again. I received a letter from the Court on XX/XX/XXXX that they do not furnish data to the credit bureaus which struck me as weird because XXXX XXXX and Experian stated they checked with the court. I disputed AGAIN on XX/XX/XXXX, this time with the Court response attached to my disputes and this as the language I used : XXXX XXXX did not investigate, again, and Experian failed to look at the documentation. I reached out to XXXX because I read online that they sometimes provide data and they reached out stating they could not verify it was me, so I called them like XXXX XXXX and sent another letter. They sent me a report of my XXXX file but failed to look at my dispute and remove the inaccurate item. 
I have attached this dispute to the file as well Just to try it again and give the benefit of the doubt, I disputed again XX/XX/XXXX. I disputed with Experian online and uploaded the court doc and my ID docs., tried to do XXXX XXXXXXXX online but it will not allow you, so I mailed disputes, and got the same result. I am perplexed at where to turn, XXXX removed the inaccurate item quickly yet XXXX XXXX does not investigate and Experian fails to look at the information

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 2020-03-31
Company: AmeriHome Mortgage Company, LLC
State: LA
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:
I refinanced this loan on my primary home in XX/XX/XXXX. Payment # 1 was Due XX/XX/XXXX. I made payment # 1 on XX/XX/XXXX ( to XXXX XXXX, the originating lender ). On or around that date the loan was transferred to Amerihome. Once I made XXXX payment it was applied to XXXX and I have been in accurately reported late to the credit bureaus. 

Please find proof of my XXXX payment ACH ConfirmationXXXX Inbox x XXXX XXXX XXXX   XXXX Thu, XX/XX/XXXX, XXXX XXXX  to XXXX ACH Confirmation XXXX This is your confirmation for the ACH Debit set to occur on XX/XX/XXXX in the amount of : XXXX Your Confirmation Number is : XXXX If you have any questions related to this transaction, please let us know and will be happy to assist you. 

Thank you for choosing XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: FL
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 Report Act XXXX, Account : XXXX, Receivables Performance, 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. 
I do not owe this debt collector.

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