BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. 


Sincerely, [ 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 2021-12-24
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I purchased my vehicle that was leased through Ally bank for XXXX years, at XXXX years and XXXX months I sent a cashiers check for the full amount of the lease buyout to Ally bank. They acknowledge this was received XX/XX/2021 and I just received the title for my vehicle XX/XX/2021 which is not even a complete title in my name ( excluding a need to visit XXXX of XXXX ). Because of this I have lost over {$4000.00} in the sale of this car, insurance, XXXX vehicle that I have now owned for over XXXX weeks, and I have the paperwork and quotes from XXXX, progressive and statements from a wholesaler who was attempting to buy my vehicle to prove this now is a loss of value for the sale of my leased vehicle. I called Ally Bank over and over for XXXX weeks, sat on hold for XXXX minutes at a time only to be treated like garbage by their staff once the calls were answered, I was refused email confirmation of phone calls, I was refused proof of my calls to Ally, I was refused any options to speak to anyone else such as a customer relations specialist. I was told to wait for emails that never came, and finally after demanding that I wouldnt hang up a call before they sent this required email, I finally got the email on XX/XX/XXXX which required signature after signature, then more asking & waited for Ally to complete their end of it while being threatened NOT TO SIGN UP FOR AN ACCOUNT TO TRACK THIS LEGAL SIGNED DOCUMENT IN ORDER TO KNOW WHEN IT WAS ALL COMPLETED. Then once again I waited a week to finally receive a title in the mail but its not even my COMPLETE, OFFICIAL TITLE OF OWNERSHIP. 
Its a title of sale that I am now required to take to XXXX of XXXX for assistance in completing the final title creation.

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 2023-04-07
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and remove them immediately in my report :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support 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 non-monetary relief
Consumer complaint received 2023-02-12
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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiries were not authorized by me. Never having given my permission for them to inquire about my credit status, they were unauthorized by me. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022

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 2021-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we were denied a refinance loan from Bank of America XXXX BOA ), Loan # XXXX with Loan Officer XXXX XXXX. As a result we lost {$27.00} for the Credit Report Fee and {$820.00} for the Appraisal Fee. BOA denied the loan because they claimed out condominiums insurance coverage was not up to their standards and therefore citing the problem as " Collateral : Ineligible Property Type ''. However, our condominiums management company at the the time, XXXX XXXX XXXX, did have the issue resolved with the building 's insurance policy and made par to BOA 's request. 

We know this to be true because the issue of the loan denial was brought up to the attention of the our homeowner 's association, XXXX XXXX XXXX XXXX, at their XX/XX/XXXX meeting. After their investigation they found that the building 's insurance policy was up to Colorado state standards. Finally, as further proof that the building 's insurance is acceptable, the same property was successfully refinanced on XX/XX/XXXX with the same insurance as the denial date for the BOA loan in question. On top of that, numerous units in the same association have refinanced and sold between our loan denial and now with the same exact building insurance.

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 2019-07-07
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent certified letters to Jefferson Capital Systems on XX/XX/2019 and again on XX/XX/2019 informing them this was not my account and requesting any proof they have to support there claim. There has been no response from the reporting company. XXXX, XXXX and XXXX claim they have " verified '' the account and have not provided me with there proof either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A previous complaint # XXXX had Capital One contact me and attempt to verify my identity in order to have internet access to my account. Upon verification of Social Security number, Date of Birth and three other forms of identity verification, Capital One insists on having to contact me in order to gain access to my online account. 

I believe Capital One is excessive in this process that was initiated by them after months or years of doing my business with their company online. Accessing via mobile app and online to have information to my balances and transactions and making payments. 

The company refuses to allow me access until I am yet verified again. I am requesting that a formal investigation into this discriminatory process be made and Capital One be held accountable in denying their loyal customers reasonable access to our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Comerica
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Comerica Bank USA has sent me a letter, that I owe them {$180.00}. 17. the letter is dated XX/XX/2021 I have never had a bank account or a credit card or a debit card or a loan from Comerica Bank They are threatening me to pay this amount, otherwise, they will report me to Collection Agency The so called Fraud Investigator is XXXX XXXX, telephone number is XXXX This is 100 % fraud, and I am not sure may be XXXX XXXX is also fraud, and hence I am not prepared to call her, and divulge my identity I request to please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

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 2023-07-14
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX/VT 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 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 2021-04-05
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: Problem getting your free annual credit report

Complaint:
As a result of the COVID-19 pandemic, XXXX has allowed consumers one free credit report from each of the three major credit reporting agencies each week. Every time I go to the web site, I am able to get my reports from XXXX and XXXX. Equifax fails each time to produce my report -- I get the following message : " Online Delivery Unavailable. 
We are not able to deliver your free Equifax Annual Credit Report online. '' I am confident I answered all the verification questions properly -- the answers are obviously on my other credit reports. For example, on or about this date, which credit card did you open? 

The following are the dates I have tried to get my Equifax credit report online via XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

There are probably other dates as well, but I don't have them documented. The XX/XX/XXXX date is when I called into Equifax, the let the know of the problem I was experiencing, and to ask them to send me a copy of my report. If I recall correctly, the representative said I should have no problems accessing my report online going forward. I tend to believe this is an Equifax problem. From what I have seen online, I am not the only person experiencing this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Tracking number # : XXXX Mortgage Company : Caliber Home Loans I had a pip break in my kitchen on XX/XX/2018 and I had to file a claim with my homeowners insurance company and settled the claim in late XXXX. We received payment for the repairs of the house however, our finance company is listed. I contacted my mortgage company right away for the steps to take in order to have the payment endorsed. They are requiring a contractor to fix the house in order for them to release payment to the contractor after the repairs are done. The problem is that my husband and I have met with several contractors and non of them are willing to repair my house for the amount the insurance company settled for. I told Caliber Home loans that I would like to have the payment released to us for self repair as it is too expensive to hire a general contractor to repair my home. After numerous documentation forward to them and numerous contacts caliber still insist that their is not they can do for us and we have to get a general contractor even if its more money to fix the house. The resolution specialist that has been handling our claim states that the only way they can release the payment to us is if we send them receipts of the repairs ... .... how can we repair the house if we dont have money??! She even went as far as telling my husband to get a loan to repair the in the meanwhile they may decide to release the funds to us. I have a hole on the outside wall of my house where water is still coming in through, its been a nightmare with this mortgage company. They refuse to make an exception. I need to repair my house because we are still in Hurricane season and XXXX forbid one comes and damages the property even more. Caliber Home Loans has hindered myself and family from living a health and happy life in our home just because they are not willing to make an exception. They also want us to pay for the post appraisal to the residence after its repaired for a fee of {$30.00}. If its documentation that is needed for their file, we as the borrowers should have to pay it. I pay enough. Im going through a hardship now where Ive even lost my job and they still wont help me. All I want is for them to approve my claim and endorse the payment in order to fix my house. I just want to fix my house! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: AZ
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear CFPB, I hope this letter finds you well. I am writing to request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and to share with you the profound impact that recent violations have had on my life. 

In recent months, I have encountered egregious violations of the FCRA by several creditors, which have taken a significant toll on my financial well-being and emotional state. Below, I outline these violations and provide a deeply personal account of how they have affected me : 1. XXXX XXXX XXXX ( Account number : XX/XX/XXXX ) - Unauthorized Credit Inquiry : Violation : It is evident that my authorization was not obtained for this credit inquiry. 
2. XXXX XXXX ( Account number : XX/XX/XXXX ) - Unauthorized Credit Inquiry : Violation : I did not authorize this credit inquiry, leading to a breach of my privacy and potential harm to my creditworthiness. 
3. XXXX ( Account number : XXXX ) - Inaccurate Reporting : Violation : I have no affiliation with the business associated with this account and believe it was inaccurately reported on my credit report, causing distress and uncertainty. 
4. XXXX XXXX XXXX ( Account number : XXXX ) - Inaccurate Reporting : Violation : The account details are vague and questionable. This inaccuracy has created confusion and frustration, affecting my peace of mind. 
These violations have left me in a state of anxiety and uncertainty, impacting my ability to secure loans, housing, and employment opportunities. The emotional distress I have experienced can not be overstated, as I have felt helpless and overwhelmed by the damage inflicted on my financial reputation. 

I kindly request that the CFPB intervene and take appropriate actions to ensure the enforcement of my legal rights under the FCRA. Specifically, I urge you to investigate these violations thoroughly and expedite the removal of these unverified and unauthorized accounts from my credit report. 

I understand the critical role that the CFPB plays in safeguarding consumers like me against unfair and unlawful practices. I am relying on your expertise and dedication to justice to rectify these violations promptly and help me regain my financial stability and peace of mind. 

Thank you for your attention to this matter, and I look forward to your prompt response. Please do not hesitate to reach out to me if you require any additional information or documentation to proceed with this dispute. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief