BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 an 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 non-monetary relief
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$18000.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi there is the issue with XXXX capital bank, the issuer of XXXX card for XXXX XXXX XXXX photo. I've gotten multiple emails from XXXX XXXX XXXX indicating the full amount has been refunded all they said to indicated the reference number to XXXX  credit card or commenity bank I have e-mailed commenity bank several times but therewas no response, some one  from commneity bank said I should ask XXXX XXXX XXXX customer service to call the bank and indicate that the amount is refunded I contacted XXXX XXXX XXXX, and they denied to that.laterI was trying to purchase something, and the customer service agent said he has gotten an authorization from his supervisor, and he will be calling the bank to get authorization. And that was a long time ago. Then again, I called the commenity bank customer service and based on the supervisor advice, I disputed the charges, less than a week later I got in a statement with more interest than late fees. This bank has so many many red flags and negative response on. XXXX  I've been trying to resolve this issue for a very long time, with XXXX and XXXX. Based on XXXX XXXX. The account is closed, and everything has been resolved. But for some than XXXX and experience, can not resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME 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 explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Ive tried disputing XXXX XXXX on my experian account and they have failed to remove this account yet the other credit bureaus have deleted from my credit report. XXXX XXXX shows false information and cant give factual information. The account they are reporting is identified as a ''repossession, yet XXXX XXXX continues to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please immediately remove this account in its entirety from my credit file.

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
As a follow-up to a prior CFPB complaint I made to the credit bureaus, XXXX XXXX is submitting this CFPB complaint. On XX/XX/XXXX, I submitted a letter to the credit bureaus asking them to delete credit inquiries that aren't related to me. The XXXX data leak compromised my personal information. I would like the following inquiries to immediately sever all ties to me because they are not associated with me and have neither approved nor received any money, products, or services as a consequence of identity theft. I just learned about this regulation, and it states that you must delete all accounts and information no later than four business days following XX/XX/XXXX, in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). This has already been mentioned in my prior complaints, and I'm repeating it here as well : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I was denied credit due to too many inquiries on my transunion credit report. On XX/XX/XXXX I called to report the unauthorized and unverified inquiries. I reminded the representative with transunion that according to the FCRA any and all unauthorized and unverified inquiries must be deleted immediately. They opened an investigation. After 30 days, nothing was done with the inquiries. Today on XX/XX/XXXX I called again and the representative by the name of XXXX said I had to prove the inquiries were not authorized. I then told the representative that according to the FCRA if they are unable to provide verifiable proof about the an authorized inquiries they bust deleted. These inquiries are the only thing stopping me from receiving credit. I demand these inquiries be deleted to prevent litigation. The inquiries are as follows XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX I did not authorize any of these inquires and according to the FCRA all unauthorized and in verified inquiries must be removed. 

This is becoming very frustrating. Please delete the listed inquiries since they are unable to be verified.

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 2022-03-25
Company: Caliber Home Loans, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A tree fell on my house XX/XX/XXXX. I finally settled with my insurance company in XX/XX/XXXX and submitted an insurance settlement check for {$140000.00} to Caliber Home loans in XX/XX/XXXX. Caliber completed inspection in XX/XX/XXXX saying my home is 85 % complete with repairs. Caliber will not release any of my money so that I will be able to finish fixing my house. I have called Caliber Insurance Department since XX/XX/XXXX to resolve this situation and they will not release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
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:
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 explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reached the point where I dont expect too much from you now because you continued to report this fraudulent information in my file though I have sent over the documents needed to justify my concern about being an identity theft victim. I dont believe that you there at Transunion have no time to tackle or review my complaints and Im sure you have seen the FTC Ive sent. And now, Im attaching the required FTC Report again for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy ... Be responsible and abide by the FCRA Law! 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX, XXXX CARD 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 2018-04-07
Company: Home Point Financial Corporation
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company ( currently Home Point Financial Corporation, formerly Stonegate Mortgage ) provided me a notice in writing on XX/XX/XXXX that my mortgage insurance premiums would be removed when I reach a loan-to-value ratio of 78 % or lower and make 60 monthly payments. I did this, however, they kept charging me the premiums. They over-charged me by {$580.00}. They have stopped charging me, as of XX/XX/XXXX. 
I have made attempts over the phone, via email, and through their customer portal online to request the refund, however their response is that they looked into it, and that I'm not owed a refund. They will not tell me who I can talk to in order to appeal the decision

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Account information incorrect

Complaint:
In Accordance with the fair credit reporting act XXXX XXXX XXXX deleted my one acct and I am still paying on the acct with account number XXXX. XXXX XXXX with credit one and she stated the one account is deleted and paid off. the second acct is with XXXX  and ends with XXXX XXXX and I already made payments for it. But the other credit one needs to come off the credit reports all three. 
15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction. I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. Thanks 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 2020-01-29
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from XXXX XXXX saying a collection was added. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and need it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: GA
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:
The following allegations each require immediate deletion, do so now and here! 
Below are the accounts in question : Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 1 : XXXX XXXX Credit account # 2 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 2 : XXXX XXXX Credit account # 3 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 3 : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I used my Capital One credit card to purchase an item ( XXXX XXXX XXXX XXXX ) for {$460.00} on XXXX. XXXX sent me a message stating the product was delivered on delivered on XX/XX/XXXX. At that time I was out of town and had my neighbor watch over my house and packages. As of XX/XX/XXXX. I contacted XXXX to report a missing or not delivered item. They ended up contacting the seller to figure out what they could do. On XX/XX/XXXX, I filed a dispute charge on XXXX through Capital One due to nothing being done or seeing a refund on behalf of XXXX. On XX/XX/XXXX I received a letter from Capital One Stating my dispute was closed and that my charge was going to be on my account. On XX/XX/XXXX I contacted XXXX XXXX, to see what XXXX has done and communicated in regards to my item I purchased. XXXX XXXX ended up refunding my charge {$460.00} and it was going to be through XXXX ( as original payment was made ) on XX/XX/XXXX the transaction was submitted for a full refund. As of today XX/XX/XXXX Capital One has not credit or authorized my refund ( according to XXXX ). I ended up sending an email with Chargeback Accountings with XXXX to see what is the long wait and status. Up to date I am leaving this matter to you and see if I could get some legal action with consumers financial and solve this issue before I go to my lawyers office. Thank you and I appreciate your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16
Company: Franklin Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing about a {$50.00} debt that originated from XXXX. 

I paid XXXX XXXX XXXX on XX/XX/2021, and the payment was posted on XX/XX/2021. Unfortunately, XXXX XXXX XXXX claims that I did not pay the {$50.00} and turned the account back over to XXXX. I even tried giving XXXX the confirmation number and the agent claimed that I had to contact XXXX. XXXX keeps referring me back to the collection agencies. 

XXXX turned the account over to XXXX XXXX XXXX XXXX and XXXX placed a delinquent mark on my credit score, which severely dropped. I tried reaching out to XXXX XXXX to inform them that I paid the {$50.00} but nothing occurred and the mark is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: DE
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Kikoff Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Kick off account is closed I have repeatedly disputed the closed account as its showing up on my credit as open and verified. 
I have printed proof that the account is closed as XXXX keeps verifying the {$16.00} as open and its closed with the next due date in 1970!! XXXX doesnt check anything yet they continuously update account as verified and remains on my credit.. I read the ucc laws governing my rights and I will file a law suit thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: OK
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:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they arein violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation