BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-10-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
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:
HI 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-18
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We were issued a Citi credit card ( XXXX XXXX ), which we had for almost a year. Then in XXXX of XXXX, we tried to use the credit and couldn't. So we contacted Citi and was informed that they had closed our account and that they could not give the reasons over the phone. Citi informed us that we need to request the reason for the account closure via a written letter and then send it to the address that was given to us ; which we did. After a week or so, we receive a response letter from Citi which indicated the reason for the account being closed. 

Citi stated in the response letter that our account was closed due my spouse 's prior conviction in XXXX. Since then my spouse has been a model citizen!! My spouse has had steady employment, obtained a mortgage, purchased a home, a vehicle and so forth. 

In the meantime, we owed about {$6500.00} on the card. We continued to make payments and Citi refused to reimburse our rebates that we acquired from our purchases. We then contacted a lawyer and he advised us to file a complaint with Consumer Finance. 

We had the Citi credit for almost a year and has been using it and making regular payments before the closure. Citi even praised us for our outstanding credit history payments and increased our limit. So, to just closed our account with no warnings and no notice, is unwarranted. As a result, we had to jumped through hoops to find out the reason for the closure. Citi should have done their due diligence and all the necessary background checks before issuing us the credit card. This is unethical and unprofessional on their part.

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 2021-07-17
Company: CRE Credit Services
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed up with XXXX XXXX XXXX  back on XX/XX/2021, they set me up to pay an up-front fee of {$140.00} on XX/XX/2021, and to pay {$99.00} a month after that. At that time, I was not aware that A Credit Repair Organization was not supposed to charge an up-front fee for Credit Repair Services. After two months went by without seeing any results, I canceled their services. It is apparent that XXXX  did not perform any of the duties they were supposed to perform, because I never received a letter from any of the Credit Bureaus based on the disputes that should have been conducted. 
The only work I received that was done by XXXX was my Credit Report being pulled by them. My XXXX  sent disputes letters to the Credit Bureaus on my behalf, and I saw results within the first month and that showed me that XXXX did absolutely nothing but rip me off! I paid a total of {$240.00}, and I would like a full refund back! The Documents are attached to this complaint. 

According to Federal Law, no credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-17
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: Account status incorrect

Complaint:
I am not a third party, Im making a complaint against XXXX, XXXX and TransUnion, I demand they remove the late payment from the XXXX XXXX XXXX account, they are reporting a late payment for the month of XX/XX/2021, I have disputed the late and they refuse to remove it. I demand they remove it. On XX/XX/2021 I received a letter from XXXX XXXX XXXX that I was not late. I made all my payments on time. No late payments. XXXX is reporting the account as negative because of the late payment which is incorrect. I demand that all three credit bureaus remove late payment and negative.

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 2021-07-17
Company: ATG Credit, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ATG Credit mailed me a notification of debt collection dated XX/XX/XXXX. Due to mail running behind, I didnt receive letter until a week later. I faithfully check the mail but didnt get this letter until XX/XX/XXXX. On the letter, I was given 30 days to request the validity of this letter. On XX/XX/XXXX, I mailed a debt validation letter to the company. A few days later, theres no copy of the debt validated. However, theres been a change to my credit report. The debt has been reported to the credit bureaus. 30 days from XX/XX/XXXX is not XX/XX/XXXX, which is when this report was added. This is unfair because how can you report the debt before the 30 days are up? Also, how come I never received a copy of the debt validation before appearing on my credit report? This company isnt honoring their own 30 days policy to let clients request debt validation by reporting to the bureaus before the 30 days are up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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: 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. 

Account name : XXXX  # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Freedom Mortgage currently services my mortgage. I completed their process to have PMI removed from my account. I received a letter dated XX/XX/XXXX stating the PMI on my loan has been terminated. I called to clarify my XXXX payment amount, and the representative did not know about the cancellation and referred my account to another department. I verified on Freedom Mortgage 's website the funds in my escrow were sufficient to make a PMI payment before subtracting that amount from my XXXX payment. I was later called and told I was past due by the amount of the PMI. The representative confirmed that the PMI had been canceled and there were sufficient escrow funds to make payment. At this time, I had already remitted my XXXX payment, again subtracting the PMI. After the representative advised I was past due, I logged onto the Freedom Mortage website and made a payment equivalent to two months of PMI. I received a letter dated XX/XX/XXXX advising I did not make my full monthly payment. The letter stated, " To apply the payment to your account, we have reduced the escrow portion of your payment by the difference between the full payment and the payment received. '' Today, my credit score went down XXXX points because Freedom Mortgage reported me as past due. Given that I have made both monthly payments and they sent a letter advising my payment was applied, I dispute this as proper credit reporting.

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 2021-07-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. Accounts XXXX XXXX XXXX XXXX XXXX XXXX. Also In accordance with the Fair Credit Reporting act XXXX Account ( XXXX/Transunion/XXXXXXXX ) 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.

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 2023-05-06
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:
HI 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 2019-09-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I Recently had all of My american Express cards put under review and subsequently shut down. I have been using American Express for almost 10 years and was never once late on payment and had an impeccable track record. They closed me down because my income did not justify my spending. Although I do not agree, it is their right to do as they wish. They had issued all of the points in my accounts from statements that have closed, however there were XXXX points that were from the most recent statement that has not yet closed that they confiscated. Attached is a picture of my American Express points account from XX/XX/19 at XXXX XXXX XXXX. I called them to try to have them redeemed and they said they can not redeem them being that the account is closed. In addition I have 2 XXXX XXXX cards that also had open statements and the points were discarded. The last time I received XXXX XXXX was XX/XX/19. The spend since then was {$25000.00} which would be XXXX points that should of been rewarded to me. This is justified spending that i did and these points belong to me. Each amex point is worth XXXX cents and each marriot point is worth XXXX cents which is a total value of {$5800.00}. It is unfair how how large company like American Express could take advantage of a young hard working man trying to feed a family and confiscate such a large value unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account information is inaccurate across the 3 bureau 's XXXX XXXX XXXX Reported : XXXX. XXXX, 2023

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 2023-04-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, we made a {$280.00} deposit to a relatively new account at Chase Bank. The deposit was from a long time client of my wife 's, she XXXX a child and family therapist. There as nothing unusual about the check,, it was from a local XXXX XXXX and Bank XXXX XXXX had never had an issue with them. 

Chase Bank suspected that the check was a forgery, we have no idea why they think this. They have frozen our entire account of {>= $1,000,000} including my paycheck from the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ), a check for {$150.00} for my birthday from my mother and our original {$2000.00} deposit. 

They won't explain why they froze our funds, they won't say when they will unfreeze them. We have XXXX  scores of over XXXX, a flawless XXXX report ( with a high score ) and an impeccable background.

Company response to consumer: Closed with explanation