BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 have been monitoring my credit report with Transunion only for about 3 months. I had an identity theft a few years ago and it was never resolved. I was forced into a bankruptcy in 2015. I have been working very hard to get my credit repaired, but Transunion seems to be very careless about what they put on a person 's report. They have multiple inaccuracies, first, I have an auto loan with XXXX XXXX XXXX. I am showing as about 6 months late payments. This loan is in litigation with the XXXX XXXX XXXX for harassing collection calls made to me when my payments were not late. Since the attorney took this case, XXXX has mailed me back every payment I have sent them. They will not talk to me at all about the account, saying that everything is on hold pending the resolution of this. They will not make this known to Transunion. 
Also, I have disputed several times collection accounts that have appeared on the report. These are not my accounts. They will not remove them. I also have some medical collections which should not be there, as to my knowledge, my insurance covered. I was told by the doctor that I have no copay and did not owe anything, yet these remain. 
Today I received a notice that a new collection went on, but I can not find it. It took 80 points from my score. 
The only item new is the report showing that I used my credit card. 
The other issue is that I want an explanation as to why a credit score determines what you have to pay for Car Insurance, House Insurance, Life Insurance, and whether you can have a bank account. This is OUTRAGEOUS! There is NO VALID reason why this should be as it is. 
These Credit Reporting Bureaus should be ABOLISHED!! They are causing untold destruction to people who have had things happen that are NOT in their CONTROL!

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 2023-12-15
Company: Experian Information Solutions 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:
To dispute the fraudulent components on my credit report, I'm writing to you. I did not make the charges associated with these accounts that are shown on my credit record. I filed a complaint with the Federal Trade Commission and included a copy of the Affidavit. Please be aware that my credit report still contains the unconfirmed entries. As required by law, I have not yet received evidence from the original creditors to confirm that the information is accurate and belongs to me. As I haven't had any paperwork from the original creditors, kindly remove the products as soon as you can.

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 2023-12-15
Company: Harris & Harris, Ltd.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked this company Harris & Harris of Illinois , Ltd to validate an alleged debt that they claim that I owe and to cease all communication with me immediately. I have never contracted with them and have no idea who they are. They have continued to contact me and harass me through mail and numerous of phone calls. They have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. 

15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
Furthermore, they do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. 
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

They are claiming to be a debt collector who have paid for my debt from another company but is also a law firm. An attorney can not be a debt collector and a debt collector can not be an attorney.

FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished my account that I didn't agree upon and I didn't sign an agreement on a legal contract. A legal contract is signed by two parties and I did not participated in any of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion XXXX & XXXX have new inquiries that need to be removed from my credit report asap i gave noone permission to run a credit profile for inquiries fot 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 explanation
Consumer complaint received 2022-03-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied and received a Citi Bank Credit Card in XX/XX/2021. When I received the card, the envelope was completely ripped open and I immediately notified Citi Bank and was informed it was an identify theft risk and that a new card would be sent out. I did not receive the new card for over 3 weeks and activated it on XXXX. The initial promotional offer ( which is why I wanted this card ) was for XXXX " thank you '' points after spending XXXX in the first 3 months. Well, Citi decided to 1. start the clock when they sent the 1st card which wasn't used and the offer expired on XXXX even though the promotional offer should be from card activation on XXXX ( which would extend to XXXX ). 2. I received an annual fee bill of {XXXX} on XXXX which is before I even received the replacement card!!! I spent 2 hours on the phone with a variety of people, including the first associate who informed me I needed to send a letter to a XXXX XXXX XXXX XXXX XXXX, SD which was certified by the XXXX XXXX. It is not right they did not honor the promotional value of the card, and sent the replacement card so slowly. It is incredibly bad professionalism. They finally ( after 2 hours on the phone ) agreed to credit the {XXXX} annual fee since I opted to close my card. Pending to receive a refund.

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 2023-03-21
Company: EQUIFAX, 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. The account list below 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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : 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 an 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 or 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 believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NJ
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:
It all started in XXXXXXXX XXXX XXXX  when we were notified that our then loan service provider XXXX XXXX services was transferring us to XXXX XXXX an that there would be no reporting to the credit bureaus for 60 days. In XXXX of 2022 XXXX XXXX started reporting to the credit bureaus on XX/XX/XXXX my credit score dropped by XXXX I went to see why an found that Equifax had reported the account was closed. 
I contacted XXXX XXXX an Equifax. XXXX XXXX had assured us that they were reporting it as open an current XXXX an XXXX XXXX had it also open and current. Ive filed 6 disputes with Equifax an the results come back the same they have the account still showing transferred/sold with no balance owed but current. My wife is also on the loan an has been affected credit wise. I thank you in advance for your help on this matter. 

All the best!

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

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 2023-03-21
Company: EQUIFAX, INC.
State: TN
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:
I bought a house last year. There is supposed to be a 45-day grace period so that I can shop for different mortgages. All three credit bureaus are instead counting these as individual inquiries.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Hi, I am writing to you about my account. This credit card company is furnishing you wrong and incorrect information. They continue to update information trying to keep this account active so that it will continue to be on my credit report way past 7 years. At one point this account was deleted from my credit report XXXX in the past but reappeared back. I do not know how that happened but it did. According to FCRA, this is a violation. They seem to not report the same information to each credit bureaus. That alone is a violation of the FCRA. For an instant on my Equifax report, they are reporting that my account was charge off on XX/XX/XXXX. On my XXXX report you are reporting it was charge off XX/XX/XXXX, and on XXXX   report, you reported it was charge off on XX/XX/XXXX but recently it was XXXX. This is one of their tactics to keep this account active pass 7 years. This account must be deleted off my credit report because of wrong and inaccurate information according to the FCRA Act. Please delete this account off my credit report and never to reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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 information incorrect

Complaint:
Incorrect reporting dates dont match for all 3 bureaus

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: AMERICAN INTERNET MORTGAGE
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I purchased a townhouse in Arizona in XXXX. My HOA provides a master insurance policy that covers the structures to the inside walls. My understanding is that if my property burned down today, the lender would be made whole with that coverage ( they could, with that insurance, rebuild my townhouse ).

My loan servicer just changed in XXXX as it has many times over the 16 years I've had my mortgage. The new servicer is requiring an " HO6 '' policy to supplement my HOA 's policy. My understanding is that an HO6 policy covers improvements I make to the inside of the property. 

Currently, I have no improvements to the inside of the property to insure. Everything is original builder-grade from when the property was built in XXXX ( flooring, window treatments, kitchen, etc. ). I called the new mortgage servicer to ask what coverage limit I was required to have given that I have no improvements to cover. They are requiring that I cover the entire $ XXXX unpaid balance of my mortgage. They didn't have any answers on how that balance relates to improvements inside the home, and they are placing their own expensive insurance until I come up with my own. 

This seems abusive to me. It seems like they are using a backdoor to get the equivalent of private mortgage insurance from me. I worked and saved to put down a down payment that avoided such a requirement, and have since gained substantial additional equity. I have excellent credit ( XXXX ) and have never missed or been late with a mortgage payment. It seems unfair for them to add a new $ XXXX bill to my monthly expenses to cover their own risk with no conceivable benefit to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2019-11-04
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I placed an online order on XX/XX/2019 on a website for a laptop computer for the price of XXXX. This company took my funds. Did not send any type of confirmation for the order or the shipment of the order. I sent numerous emails to this company over the course of a week with not one response. I used Paypal to make this payment. Since no word from the company I got in touch with Paypal on or around XX/XX/2019 to state I did not get the product that I paid for using their service. I requested to open a case for an item I did not receive. Transaction ID was XXXX for the payment of XXXX. A case was opened on or around XX/XX/2019. Paypal then proceeded to do a review. I made several phone calls, had online chats and sent emails between XX/XX/2019-XX/XX/2019.I also contacted the USPS office in my town several times between XX/XX/XXXX and XX/XX/2019. I am attaching a copy of the document provided to me by the USPS on XX/XX/2019. Item was shipped and then delivered on XX/XX/2019,  delivered, In/At mailbox @ XXXX XXXX. USPS tracking number XXXX, a package weighing 1 ounce, this according to the USPS. This was delivered to XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX to a different person. The info was given to me by the local USPS. That office would not document this to me as they were protecting the persons privacy. I have a document from a employee with the local USPS stating the tracking number provided was delivered to a different address than mine. This was delivered to a different person, to a different address and it only weighed 1 ounce. But they still received my money for a product I never received. I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX. Paypal ruled in favor of the seller on XX/XX/2019 stating the seller provided a valid tracking number. The tracking number to their package was delivered to the wrong person at the wrong address.If you need more information, please contact me at XXXX. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: MO
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:
15 U. S.C. 1681 SECTION 602 ( A ) States I have right to privacy 15 U.S.C.1681 SECTION 604 ( A ) SECTION 2 : It also states a consumer reporting agency can not furnish a acount without my written instruction In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXXXXXX Account # XXXX has violated my rights XXXX Account name : XXXX XXXX Account # XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you in advance

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Account has been on my credit report for over 7 years and hasn't dropped off and I want these account removed asap

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