BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

The letters are stated with items and issues. 

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: Avant Holding Company, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15USC 1681 Section 602 State 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.

15 USC 16666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: U.S. BANCORP
State: WI
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:
Good Afternoon - I was reviewing my XXXX credit report and noticed a few hard inquiries that I did not do. One was from XX/XX/2018 I have a hard inquiry from XXXX XXXX. That is not someone I would ever do business with. So there should not be an inquiry from them. And it appears on my hard inquires again on XX/XX/2018. 

Then looking at my XXXX XXXX credit report and noticed a few more hard inquires that I did not do. One was XXXX XXXX Inquiry from XX/XX/2018 no clue what this even is. Another is another cell phone company, XXXX Inquiry from XX/XX/2018, I would never use this company either.

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 2018-05-09
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Application package was submitted on XX/XX/XXXX and was told we would have a 5 % rate I asked on XX/XX/XXXX if we were locked in yet. Our loan officer said our rate was not locked in yet. I asked him what we needed to do to get locked. He stated that we needed to sign the disclosures so we signed them and sent them back immediately ( e-sign ). 

Two weeks later the processor emailed me saying the loan officer was " ready to lock in '' our rate. I was very confused by this so I emailed the LO for clarification. He said that he didn't lock in the rate because we'd discussed floating down the rate. I told him that didn't make any sense because a loan has to be locked in order to float down a rate. 

A few days later he said we could lock in at 5 % at a XXXX cost. Since we'd discussed on XX/XX/XXXX that I wanted to lock in at 5 %, I told him I was not going to pay any points to get 5 %. 

A few days after that, he said he was working on getting the " rate lock fee '' of .5 % reduced. I'm in mortgages and that was the first I'd heard of any such fee. I'm still not sure what he was referring to, but my guess is he was still trying to get around making us pay for a 5 % rate. 

I found this to be extremely deceitful and misleading and I think if I wasn't in the mortgage business, I would not have known how untruthful he was being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I received a loan maturity letter in the mail for my auto loan through First National Bank. This letter was received 5-10 days before the last payment was due. There is a line labeled Other fees for {$900.00}. I called to ask what the fee was. They tell me they didnt have proof for an entire year of my car insurance. I tell them thats not correct Ive had insurance all along. They called my insurance company XXXX XXXX to confirm I had insurance, which they did confirm it. This was on a Wednesday. I called back Monday like they told me too. I was told they had not received proof. That same day I was auto charged the amount of my final payment plus the {$900.00} fee. I called First National Bank back. They told me a refund was being processed and I would get it in two weeks. No one could tell me why they couldnt charge it back to my card or even how I was supposed to get the refund. After being transferred back and form to departments that couldnt help me for over an hour, I talked to a supervisor who wasnt sure its possible to charge my card back the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-10-01
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:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXXXXXX Balance Owed : {$970.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$7400.00}

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 2023-12-07
Company: Experian Information Solutions Inc.
State: WV
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:
All my XXXX XXXX loans were consolidated with XXXX back in XXXX 2023 ( READ THE DOCUMENTATION ) whereas experian has been showing XXXX XXXX and XXXX both at same time. Experian also one of the only 3 credit bureaus that still list them as active. Where is Experian getting this data that it's still active because it's not XXXX XXXX as I have a XXXX balance, which is attached.

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 2022-05-19
Company: Experian Information Solutions 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:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3800.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.

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 2023-12-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
YOUR COMPLAINT My information was sold and bought illegally because I was a victim of the XXXX XXXX breach. I want these items deleted from my credit report immediately. I am attaching proof that XXXX had admitted I was a fact a victim in this data breach. And XXXX has done nothing. Please help me delete this illegal accounts from my credit report listing the negative account that effected my credit report and my score went from XXXX dropped to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Law Office of Michael J. Scott, PC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I currently work out of town, debt collector showed up in XXXX and asked if I was home and they said no he doesn't live here at the moment. Instead of calling my number or waiting until I return, Debt collector proceeds to hand them my summons to court papers and tells them I have to be at court over debt not paid. No covering of the papers to hide reasons for the court summons, it showed the amount I owed and court date. As they were told I was out of town and not living there at the time, mails my grandparents bills and other information to the point I had to call them and tell them ( after my grandparents explained I didn't live there at the time bc of work ) that I currently stay at a place out of town to stop sending personal mail there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX my Equifax credit report suddenly removed all my account history except 2 accounts. On XX/XX/XXXX all my accounts were removed as if I have no credit history. I've called Equifax numerous times and continually told that my issue will be " escalated '' but nothing has yet been resolved. Every time I call I get the run around until finally told my issue will be escalated and nothing more can be done. I've repeatedly told Equifax customer service that this is hindering my mortgage approval for almost a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I just found out that XXXX XXXX somehow obtained the home and cell phones of my parents and have been repeatedly harassing them daily. It is extremely distressing to my elderly mother, and she wants it to stop immediately. What XXXX is doing is ILLEGAL under the FCRA, and if they do not cease the illegal calls to my outside family immediately, I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Seattle Service Bureau, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is for Nation Service Bureau or NSB. I was contact by phone first. The woman stated that I had an unpaid claim with StateFarm insurance from an accident I was in earlier this year. I called back to get information and the call was not returned. I got a letter in the mail next with claim information stating I owed XXXX for a subrogation claim. I called the number on the letter and the woman harassed me and threatened to suspend my license if I didnt pay her for the claim. She read off information from the police report that is part of public record. I contact XXXX and they confirmed there are no open claims under my name. I even contacted my insurance company ( XXXX ) to ensure there was no balance on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
LCI is reported a bankruptcy to XXXX, XXXX and Transunion. I contacted XXXX XXXX XXXX Bankruptcy court which they stated they do not verify nor validate information to credit bureaus or any credit monitoring service. LCI is violating the Privacy Act and has not validated information to being accurate on my credit report. I am attaching a letter from the U.S Bankruptcy Court which supports 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 explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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:
im victime of equifax data lick my personal information was exposed and i have star reciving a lot of hard iquares in my credit and some credits aproved, i have informed to the financial intitucion the open acount for fraud has been closed but after a couple of disputes but equifax havent delet the fraudelant activity, for this reazon i file this complain to get fair action and have my credit report recovered from fraudeland activity, also i willbe paert of thge data lick settlement compensation for XXXX and time fixing my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains DEPT OF EDUCATION/XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains DEPT OF EDUCATION/XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated DEPT OF EDUCATION/XXXX   Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated DEPT OF EDUCATION/XXXX   Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX   Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated Important Information About Your Dispute Results filed ftc long time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2018-07-18
Company: EQUIFAX, INC.
State: KY
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 have several hard Inquires on the equifax credit report that are not recognized and I Did not authorize. There is no contact information for me to contact them XXXX. National Credit card companies XX/XX/XXXX XXXX. National Credit Card companies XX/XX/XXXX XXXX All banks XX/XX/XXXX XXXX XXXX XXXX All banks XX/XX/XXXX And one on my XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation