BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In 2022, someone stole my identity and opened an account with XXXX XXXX. The balance was sent to a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We filed a police report in XXXX of 2022 and did the required paperwork from XXXX XXXX. At that time, the other credit bureaus had it removed, but Experian did not. We recently found out that the fraud is still on our credit report with Experian, and filed a dispute, but they refused to remove it. 
Today we called XXXX XXXX who told us they had it removed from the credit collection agency, but they refused to do anything else about it. We called the credit collection agency, who said the debt is still valid and was not removed by XXXX XXXX. They hung up on us and wouldn't tell us anything else. 
Experian, XXXX XXXX, and the collection agency will not help us have this removed and we are trying to buy a house.

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 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Someone is using my identity applying for credit and I have a lot of inquiries in my credit profile and I dont know how I got them on there. My social security card and wallet was stolen. Thats an issue. I need to dispute the inquires and they need t be removed. I need it to be investigated and corrected.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-04-13
Company: Emergent Business Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On my credit report it's saying XXXX XXXX  with wrong amount and wrong dates received letter today saying milestone owes my closed flex shopper which XXXX took off my report received letter from emergent saying they own it wrong amount and date how can 3 companies claim on the same debt

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 2022-04-15
Company: EQUIFAX, INC.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Experian Information Solutions Inc.
State: PA
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:
I have written to Experian to ask why my credit score dropped XXXX points from XX/XX/XXXX to XX/XX/XXXX. During the time of XX/XX/XXXX to XX/XX/XXXX I have paid off almost all of my credit cards. I went from 29 % to 1 % credit card debt. My score on XX/XX/2021 was XXXX then as I continued to pay down my credit card and other debt my score dropped XXXX points. I have reached out to Experian on several occasions with no response other than there are old things on my credit report that could be affecting my score. I am also writing to ask for your help with understanding why there are some of my accounts that aren't updated regularly. How can they provide an accurate account of my credit if they are not accurately reporting the truth about my credit history. If potential creditors are looking at their information they are getting the wrong picture of my credit worthiness. Why are they allowed to provide inaccurate information? 
I have an XXXX score on XXXX XXXX I am not sure what my score is on XXXX  as they don't have a free site.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion, XXXX, and XXXX continue to report transaction history to my personal consumer report, violating 15b USC 1681b. None of the 3 aforementioned credit reporting agencies have received my consent or authorization to report this information. The only exclusion permittable related to transactions is between the consumer and the person making the report. Each of these credit reporting agencies, as of today XX/XX/2024, report XXXX adverse items to my personal consumer report. That is XXXX violations of the Fair Credit Reporting Act by each credit reporting agency listed above.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an ongoing issue with Transunion and XXXX XXXX. The latest issue is that the account is reporting a XXXX limit with XXXX balance, when the limit is supposed to be XXXX. For almost a year XXXX and Transunion reported that I had a XXXX day late payment. Now that the late payment has been removed, the account information is wrong. It's XXXX thing after another with these XXXX companies.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX 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 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 2023-08-12
Company: BOK FINANCIAL CORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a bill for an underpayment in my escrow due to under estimates in my county taxes on my home. The balance of underpayment is XXXX of my 2023 taxes and after paying that in a lump sum my mortgage will still be increasing by over XXXX dollars a month. I've reached out to my lender and they have given me no help, only told me to go to the county. I went to county accessor and they told me it's most likely my escrow company completely failed to do their job in properly estimating my property tax. I've communicated this to my lending company and they still refuse to work with me at all. I will be reaching out to the escrow company but spoke to someone else who had the same experience with the same escrow company and was told they just hung up on him when he reached out. 
I will be going directly to the escrow office Monday and writing a formal complaint to the corporations commissioner if they refuse to speak with me. 

I need any and all the help I can get. 
My lender is Bank of Texas and the Escrow Company is XXXX XXXX out of XXXX XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt sent to collectors and collectors have been calling daily more than once a day. I have tried to explain repeatedly that the debt is not mine and there should be not debt. They continue to call daily again several times a day and are rude nor will let me speak if I answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit into my account and the bank has placed a 7 day hold on the funds. I called and requested the bank to release the funds however they would not do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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: Public record information inaccurate

Complaint:
On or about XXXX XX/XX/2022 I contacted several insurance companies about auto insurance. My current auto policy is do for renewal so I am shopping around. I received several quote that are substantially higher than my current rate. The agents told me that I had several auto accidents and citations on my driving record. They told me they where getting this information from Trans Union True Risk. I contacted the FL DMV to verify there was not accidents nor citations on my diving record. I tried to contact TransUnion but they told me they do not report driving records. They told me that they know nothing about True Risk. I contacted TransUnion True Risk. They referred me to TransUnion representatives who told me again they do not collect driving information. https : //www.transunion.com/product/truerisk Trans Union will not provide me with the information their True Risk division has collected on me. There is no way to contact Trans Unions True Risk Division.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS DEPTEDXXXX   XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX   XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX  XXXX inaccurate DEPTEDXXXX   XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX XXXX inaccurate XXXX XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate XXXX XXXX XXXX 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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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've disputed, several times, via XXXX XXXX and Ceritified mail, that certain entries on my reports with XXXX, Transunion and XXXX were wrong and demanded that they be removed. Neither company has resolved the issue. I also have accounts that do not belong to me still listed on my reports. Some info is as follows : XXXX XXXX XXXX  - Date Opened and Account Amount XXXX XXXX XXXX  - Date Opened and Account Amount XXXX  - Account closed and still reporting active payment history. 7 years since first reported. 
XXXX XXXX - Account doesnt belong to me Accounts without creditor information XXXX  XXXX - Account listing erroneous late payment Transunion XXXX XXXX  - Date Opened and Account Amount XXXX XXXX XXXX Account doesnt belong to 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 non-monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2020-04-11
Company: Fay Servicing, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FAY SERVICING and assignee 's XXXX XXXX, modify my mortgage loan as an repayment in XXXX with no late charges, Corporate charges or other charges. They have generated {$1800.00} of these charges against my mortgage loan. As of XX/XX/XXXX Fay Servicing and XXXX XXXX sent me a letter stating : NOTICE OF DEFAULT AND INTENT TO ACCELERATE { Foreclosure } if {$15000.00} is not paid by XX/XX/XXXX amount includes {$1800.00}. Fay Servicing has posted XXXX from XX/XX/XXXX up to date. They continue to cause me an Financial Hardship to foreclose on my home. 

The Deadly Coronavirus ongoing since XX/XX/XXXX is also a result of my financial hardship. 

I have request multiple times in writing to Fay Servicing mortgage options, only a default notice in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: ECMC GROUP, 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:
I've reviewed my credit report. After requesting validation, It occurred that this item had not been verified with accuracy and completeness, as required by FCRA. I contacted XXXX : XXXX XXXX XXXX XXXX, asking to verify payment in full; was received in the amount of {$280.00} on XX/XX/XXXX ; in exchange for removal. However, this account is inaccurately reported as a closed and paid collection account. I spoke with XXXX from XXXX on XX/XX/XXXX, approx. XXXX XXXX. She stated they were not a collection agency, but a guarantor. However, my credit report is reporting as a collection account ( Please see attached ). 
This collection account exceeds the statute of limitation, is reported without my consent and is being reported against my right to privacy. It also violates my right to privacy, according to the Fair Credit Reporting Act. I, the consumer have the right to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with FCRA. This account must be discontinued from reporting and deleted!

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 2020-04-11
Company: STERLING JEWELERS, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2019 I was contacted and harassed by XXXX XXXX XXXX XXXX on the behalf of Kay Jewelers in regards to a debt in the amount of XXXX. I was told that if the debt was not paid at that exact moment, that I would be served with papers and sued with the possibility of jail time. There was no option of negotiating the debt, and when asked what would be done once the debt is settled I was informed that they would remove the account from all three credit reporting agencies. It has now been 1 year and the account remains. Also, they have harassed family members after the debt being paid. I paid the debt with my husbands credit card and have attached that document as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Best Buy Citi Bank has decrease my credit card limit without an adverse notice. 

There are two main federal laws governing adverse actions in the world of credit : the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

To put it simply, the FCRA covers consumer transactions. It requires lenders to give you a notice if negative credit information was the basis of the adverse action. 

The ECOA covers both consumers and businesses. It requires lenders to describe the specific reasons why the adverse action was taken. 

Heres how it breaks down : The FCRA requires lenders to say that negative information was the cause of any adverse action. 

The ECOA requires lenders to provide specific reasons why adverse action was taken against you in that notice. 
The FCRA covers applications for credit, like credit cards, along with other types of applications like employment and government license. 

The ECOA covers applications for credit as well, along with requests for credit limit increases on existing accounts. If you want to dig into the details of these laws, you can read more at Consumer Compliance Outlook.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have requested proof of validation, method of verification, and proof on conjoined contract for the attached accounts from all 3 credit bureaus on XX/XX/2023, XX/XX/2023, & XX/XX/2023. These statuses are showing Account not disputed. This is inaccurate and negligent in investigation processes. Under the FCRA guidelines, this is a violation. You are allowed 30 days for investigation with was not adhered to 3 times. 
I never received any type of validation, notification of said investigation, or proof of method of verification. 

According to the bureaus reporting, it looks like I never disputed these account. But I have 3 times.

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 2020-04-11
Company: CITIBANK, N.A.
State: FL
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:
I was charged TWO payments for Homeowners Insurance from XXXX XXXX. 
The policy was from XXXX XX/XX/2020. They cancelled me XXXX. They took 2 payments and the last payment was for {$960.00}. I disputed the charge, the Merchant even told Citibank I only owed {$200.00} of the XXXX and the insurance company FAILED to refund my money and citibank gave them the money anyway and kept the charge on my card

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