BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: U.S. BANCORP
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
An annual recurring benefit of the US Bank XXXX XXXX XXXX XXXX credit card is a {$100.00} software credit. Between today and XX/XX/2021, I performed my due diligence prior to purchasing a monthly XXXX XXXX XXXX XXXX - I called in and asked US Bank customer service to confirm that a monthly XXXX XXXX XXXX subscription would qualify for the annual software credit and multiple US Bank XXXX confirmed and assured me, on a recorded and monitored line, that this recurring purchase would qualify. Therefore, I put my trust into them and proceeded with the purchase. After XXXX consecutive months of purchases, I called in to inquire about the software credit. US Bank again assured me it would post, but that it can take up to XXXX extra billing cycles to reflect so I waited XXXX more cycles and still no credit was received. I called them back today and the first representative claimed this benefit does not even exist. Then I escalated it to a supervisor and they, too, initially claimed it does not exist until I provided a direct link to the advertised benefit. Then they changed their story to say that my purchase does not qualify due to the XXXX XXXX XXXX. However, I have multiple US Bank representatives confirming and reassuring me, over recorded phone calls, that I would, indeed, receive the full {$100.00} software credit. I understand that US Bank does not control the XXXX so if that is the case, they should not have representatives confirming and reassuring something that is not 100 % certain because that would be misleading and deceptive towards customers like myself. This could all have been avoided had customer service conveyed that they were not entirely sure that a monthly XXXX XXXX XXXX subscription would be eligible. If they relayed it to me that way from day one, then I would not have proceeded with this subscription in the first place. Please check the recorded call history as proof of 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 monetary relief
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX Re : Letter to remove inaccurate credit information To whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The dates of activity are incorrect and does not meet FCRA. Please delete immediately XXXX XXXX XXXX  account number : XXXX XXXXThe dates of activity are incorrect and does not meet FCRA. Please delete immediately XXXX XXXX XXXX account number : XXXX XXXXThe last reported date is incorrect and does not meet FCRA. Please delete immediately XXXX XXXX XXXX  account XXXX XXXX. The date last reported is incorrect and does not meet FCRA. Please delete immediately XXXX XXXX XXXX  account number : XXXX XXXX. The date open reported are incorrect and does not meet FCRA. Please delete immediately 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 non-monetary relief
Consumer complaint received 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On a recent review of my credit report, I discovered that the company XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. All 3 Credit Bureaus said the debt is verified and accurate but it is based on XXXX XXXX word without any physical evidence. They must produce the above or delete or entry from all 3 credit bureaus.

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 2022-12-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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 Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to you in regard to a matter of utmost urgency concerning fraudulent accounts and identity theft reflected on my credit report. Upon reviewing my credit report, I have discovered accounts that are the result of identity theft, and I am requesting the immediate removal of these fraudulent entries.

I want to emphasize that I did not open or authorize these accounts, and I believe I am a victim of identity theft. I am deeply concerned about the potential harm to my financial well-being and creditworthiness, and I am taking immediate steps to rectify this situation.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough investigation into the legitimacy of these accounts and take swift action to remove them from my credit report. I have attached supporting documentation, including a copy of the identity theft report I filed with law enforcement, as well as any additional evidence that may assist in your investigation. 

XXXX XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 

I demand quick corrective action to address the errors that are still damaging my credit score because I am furious that this dispute is not being resolved.

I appreciate your prompt attention to this matter and your commitment to protecting consumers from the serious consequences of identity theft. If there are any additional steps or information required from my end, please do not hesitate to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is about a complaint sent from me to you through CFPB submitted XX/XX/22 requesting your company for validation of the account from XXXX # XXXX. 

In response to my complaint, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction. Further, the creditor reported this on my Consumer Reports ( XXXX & XXXX ) as Charged Off. This means that the creditor XXXX is no longer attempting to collect the alleged debt owed by them. 

I would like to inform you that your Company has violated 15 USC 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me, as a consumer, that the creditor was attempting to collect a debt but in reality, it was not true. Because of your deceptive tactics I demand you delete the collection account off of my XXXX and XXXX consumer reports. If your company does not comply I will be forced to seek litigation

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 2022-10-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent Equifax a dispute letter to have the following inquiries deleted because I have never given authorization nor do I have any credit accounts or loans with the following companies : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This is something I am submitting on my own initiative ; a third party is not involved. HOW IS THAT POSSIBLE IF THE OPEN DATE, THE DATE LAST ACTIVE, AND THE DATE LAST REPORTED ARE NOT ACCURATE? THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED. THEY VIOLATED MY RIGHTS UNDER THIS JUSTIFICATION FOR REMOVAL, AS WELL.

According to 15 U.S.C. 1681 Section 602 A, I HAVE A RIGHT TO PRIVACY.

It also states that a consumer reporting agency can not furnish an account without my written instructions ( 15 U.S.C. 1681 Section 604 Section 2 ).

SEE ATTACHED LETTERS, 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
Consumer complaint received 2023-01-25
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX ) XXXX is hurting my credit. It's reporting 2 inquires on XX/XX/XXXX and XXXX, XXXX with XXXX XXXX for the same credit card application. I only applied once. 
XXXX XXXX XXXX XXXX XXXXXXXX is wrongfully reporting on XX/XX/XXXX an inquiry I didn't requested. 
XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX and XXXX XXXX XXXX XXXX account # XXXX are reporting that I was 30 days late in XX/XX/XXXX. That is incorrect. 
4 ) I tried multiple times to fix the problems that are hurting my credit with these companies without any luck. I'm asking you to please request them to delete the inquires and wrong information to clean up 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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-28
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
UWM sold my home mortgage to XXXX XXXX XXXX XXXX which will take affect XX/XX/2022. 
I am required because of their business deal to do several things at my expense of time, energy, and effort in order to help UWMXXXX XXXX XXXX XXXX XXXX XXXX their business deal which I had nothing to do with. 
My Mortgage is no where near being in trouble, and yes I can provide proof. XXXX XXXX XXXX bank is requiring me to contact my home insurance company to make XXXX XXXX XXXX the XXXX. This to me is unjustifiable, and I contend not my responsibility as I had nothing to do with their UWM XXXX XXXX XXXX XXXX Bank business deal. 
Further XXXX XXXX XXXX  bank have no branches in my city of XXXX XXXXXXXX XXXX, so I can not fix this my going to see them. I contend that I should not be required to use my time, energy, or efforts to assist UWM and XXXX XXXX XXXX  bank close their deal... 
XXXX XXXX XXXX XXXX bank has promised me a welcome package which has never arrive and I have visited their web site XXXX XXXX XXXX XXXX  several time without any resolution, meaning I can no longer pay my bill online, as I can not open an account with XXXX XXXX XXXX XXXX, and they are not responsive to any of my request. 
Further how is any of this my responsibility? I had/have nothing to do with these XXXX companies selling mortgages to each other, et they require me to waste my time, energy, and efforts to assist them at my expense. 
Further this is my second bad experience with UWM, and what I expect is a bad relationship with XXXX XXXX XXXX XXXX  from the begging... 
I ask for direct relief from being involved with UWMXXXX XXXX XXXX XXXX XXXX XXXX practices. I contend that at best it is unfair to involve me in their business transactions, because they are lazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: MS
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX Reported Late payments on my XXXX XXXX Account on XXXX. XXXX also reported late payments on my XXXX account on XXXX. In accordance with the fair credit reporting act XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under and 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 2021-07-18
Company: Brewer's Quality Homes, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I ordered a mobile through Brewer Quality Homes XXXX XXXX Louisiana. XX/XX/2021 I was told I had to sign my mortgage loan papers SIGHT UNSEEN, so I was told, so that the Permits could be released for the trailer could be transported & so that the loan or interest rates expire. Once the trailer was set up is when my mortgage payments started which was approximately XX/XX/2021. Once I was able to see the inside it was a disaster!! I notified XXXX XXXX of the condition that the trailer was in, they would not back up the due at all. As of todays date XXXX XXXX We are still not in this poorly crafted trailer. The mortgage company is in with the dealership & are just worried about when will I be making my payment! I continue to pay my mortgage in good faith. I have asked numerous times for a breakdown with a dollar figure on every and everything that I will be paying for for 30 years. XXXX XXXX & XXXX continue to send the spec sheet which only explains what is in the trailer! I included the utilities, so how much are these charges? It slipped through the cracks the the trailer was XXXX, but I was charged over a XXXX plus, so what am I being charged for, XXXX in account for! 
Fraud, misrepresentation, bait & switch, just a few of what Im dealing with, not to mention taking advantage of a handicap person & my customer rights according to the Frank Dodd Act. Very disappointing to know that customers like me & so many others are being taken advantage of by these two companies! I have been thrown to the wolves!

Company response to consumer: Closed with explanation