BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Account Number XXXX, XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, XXXX  XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number 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 non-monetary relief
Consumer complaint received 2021-03-05
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: Public record information inaccurate

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error :

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 2022-07-26
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX, sent me payments through Wise on XX/XX/2010 and 15 including three {$500.00} and one {$1800.00} payments. Wise promises the money will arrive in recipient 's bank within three or four business days. However, its been one and half months, these three payment transfers still on pending. One {$500.00} transfer was canceled, but Wise did not return the money to senders bank account and still keeps it. One and half months is more than enough time for so called extra checks and fixing issues. I contacted Wise several times and asked them to resolve issues or cancel these immediately, but they did nothing. I did not ask for disclosure of transfer specific details ; I want my money back. The sender also asked Wise for cancelation so that they can resend them. But Wise did not take any action to help me to fix the problem, nor they cancel these transactions, it chose to steal my {$3300.00} money unscrupulously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Experian Information Solutions Inc.
State: PA
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 tried over 67 times contacting the bureaus of fraudulent inquiries and accounts reporting I even submitted identity theft reports to each credit bureau I have done so by phone and by hand written letters my children and I are looking for a place and due to credit we are in the shelter facing homelessness please look into this and remove an accurate fraudulent information please and thank you. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$9200.00} Closed CREDIT  CARDS XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed STUDENT LOANS US DEPT OF EDUCATION Reported : XXXX XXXX, XXXX + {$6100.00} Closed US DEPT OF EDUCATION Reported : XXXX XXXX, XXXX + {$3900.00} Closed DEPT OF ED/XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed DEPT OF ED/XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed Unauthorized fraudulent inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX-XXXX  Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing A collection account XXXX XXXX Reported : XXXX XXXX, XXXX + {$480.00} Needs Attention

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 2023-11-10
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} 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 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 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed several creditors that I was not familiar that all date back to XXXX per my credit reports. I reached out to Transunion and XXXX in regards to the following accounts : XXXX XXXX XXXX   XXXX I requested to have these debt validated citing FCRA and FDCPA as a reference in XXXX. Per USPS tracking # XXXX and # XXXX these were both delivered on XX/XX/XXXX. Specifically, I requested they validate the information and provide with copies of any documentation associated with this account, bearing my signature. This exact language was used. To date, I have received updated credit reports showing the accounts in question have been " updated, '' but I have not received the requested proof of debt along with any documentation bearing my signature.

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 2022-07-26
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: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX has previously been " verified as accurate ''. Attached is the letter from XXXXXXXX XXXX  to delete the Collections from my credit report. 

I also request monetary damages of {$1000.00} allowed per the FCRA per violation. The violation in which you failed to perform a proper investigation/reinvestigation and deemed the collecetion account verified as accurate. 

Please delete collection immediately. To avoid litigation against Equifax for false reporting and not performing a proper investigation a check in the sum of {$1000.00} can be mailed to : XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX If the relief for monetary damages of {$1000.00} is not received within 30 days, im.sure you are aware I have more than enough proof needed to request that amount for EACH violation along with punitive damages for the emotional distress this has caused, the embarrassment of denied credit due to your false reporting and failure to perform a proper reinvestigation, and the list goes on. I expect to see this collection deleted IMMEDIATELY and a check within 30 days to avoid litigation into this matter of negligence on your part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Consumer Portfolio Services, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Cosumer portfolio Svc XXXX XX/XX/2016 {$13000.00}. This accounts is an result of fraud. please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: CITIBANK, N.A.
State: DC
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:
On XX/XX/2018 I went through the product selection and purchase processes on the SEARS website to purchase an item. When I arrived at the Payment & Billing section it shows an extra discount if you Apply & Use Now for a Sears Credit Card.

It is a very simple and direct button.

Apply & USE NOW.

The card was not even loaded into the bank 's website for me to retrieve the credit card # and security code.

They will mail the card to me - but, the item I am trying to purchase may not be in inventory anymore. 

I had my credit report run. Had I known that I could not Use Now as the button stated - I would have selected a different payment method and not had my credit run. 

The site needs to be updated and it should state that the card can not be used, until it is physically received in the mail. It should not state apply and use now. It should state apply and use when you receive the card in the mail.

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 2020-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
After noticing a significant drop in my credit score as of XX/XX/XXXX, I pulled my personal credit report and noticed KOHL 'S reported my XX/XX/XXXX payment received as being 30 Day 's Late on my XXXX  and XXXX  Credit Report. 

I contacted Kohl 's on the following dates : XX/XX/XXXX, XXXX XXXX, XXXX & XX/XX/XXXX, in regards to the reporting discrepancy. They stated that an investigation took place and the information furnished to the credit reporting agency is accurate, however they have yet to show me tangible, verifiable evidence that I paid my monthly payment 30 days after the due date. They further stated, that an investigation took place and determined that the information furnished to the credit reporting agency is accurate. 

However according to my credit report furnished by XXXX, they stated that my account is CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS!! 

How is it that XXXX  is reporting paid as agreed, with no late payments for XX/XX/XXXX and XXXX & XXXX  are reporting 30 Days Late?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
For more than 21 days I have had significant reduction in all of my credit card accounts which include credit cards with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX. As a result my credit score with XXXX has gone from fair ( XXXX score ) to very good ( XXXX score ) and still even after making several disputes with XXXX and Transunion in regards to my current credit card balance reductions they have not updated my credit score and are making it incredibly difficult to get into an apartment. I feel XXXX and Transunion are being particularly almost deliberately slow to properly update my score to fairly reflect my credit worthiness. XXXX has been thoughtful and fair in adjusting my credit score with their agency in a timely manner as the other two ( XXXX and Transunion ) have been not even after filing several disputes with each of them. Please help me to resolve this as they evidently could care less how their inactions are unfairly effecting me. Thank you for your assistance and support.

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 2020-06-16
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My vehicle was totaled back in XX/XX/2020. I called Westlake Financial and they  informed me of my balance after the GAP insurance paid. I told them I did not have the complete balance that day and I needed more time. The representative offered for me to do an extension so that would help me with the last payment I owed. At that point I agreed and we moved forward. I paid the last payment after the extension was granted and noticed they charged me for another months payment. I then spoke to several supervisors who informed me that due to the extension it generated another payment. I was furious because the representative never told us a new payment would generate. Why would I have agreed to this when the vehicle was totaled. They now in turn have charged more fees and they keep going up.

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 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am disputing the accuracy of this account on my credit report. I have fully paid off all child support balances yet my TransUnion credit report doesnt reflect that. How are there two different balances on the XXXX XXXX  XXXX XXXX XXXX account? Also, I have never made a late payment but you guys are reporting 21 dates of late payments. Lastly, you guys are reporting that Ive been past due for 120 days which is also incorrect. 

Reason for dispute : XXXX XXXX XXXX XXXX XXXX XXXX is Inaccurate XXXX Balance : {$1500.00} XXXXXXXX XXXX Balance : {$92.00} ( Balance is inaccurate ) All payments are up to date and should reflect a XXXX balance. 

XXXX XXXX XXXX  XXXX XXXX Payment History is inaccurate Transunion is reporting late payments on these dates : 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, 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 ( All payments were made on time )

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 2020-06-16
Company: AES/PHEAA
State: NC
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:
AES/PHEAA shows account that does not correspond to any Master Promissory note at a time I was not in school. Continues to report to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: PA
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 tried over 67 times contacting the bureaus of fraudulent inquiries and accounts reporting I even submitted identity theft reports to each credit bureau I have done so by phone and by hand written letters my children and I are looking for a place and due to credit we are in the shelter facing homelessness please look into this and remove an accurate fraudulent information please and thank you. 
XXXX XXXX XXXX Reported : XX/XX/XXXX + {$9200.00} Closed CREDIT CARDS XXXX/XXXX  Reported : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS US DEPT OF EDUCATION Reported : XX/XX/XXXX + {$6100.00} Closed US DEPT OF EDUCATION Reported : XX/XX/XXXX + {$3900.00} Closed DEPT OF ED/XXXX  Reported : XX/XX/XXXX + {$0.00} Closed DEPT OF ED/XXXX  Reported : XX/XX/XXXX + {$0.00} Closed Unauthorized fraudulent inquiries XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX-ph Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing A collection account XXXX  XXXX  Reported : XX/XX/XXXX + {$480.00} Needs Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions 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 been a victim of identity theft.

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 2020-06-19
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a VA IRRR on XX/XX/XXXX and locked my interest rate at 2.625 % with a loan discount fee of 0.00 %. I estimated the value of my home at {$280000.00} due to having a recent appraisal completed with an effective date of XX/XX/XXXX. The lender ordered an appraisal even though, as I understand it, when discount points are not charged, a value determination is not required. ( VA XXXX XXXX, Exhibit A ) The Exterior-Only valuation, ordered by the lender, gave a value of {$270000.00} ; which I completely disagree with. I provided the lender a copy of the XX/XX/XXXX appraisal and a list of reasons for disagreeing with the value of {$270000.00}. ( see below ) The appraisal is absolutely ridiculous. So the appraiser is telling me, with property values Stable, Demand/Supply Shortage and under 3 mths marketing time.. He said, Demand is out-pacing supply, the value of my home has declined {$10000.00} in less than a year. WHAT? Thats absurd! 

I do NOT live in a Rural neighborhood. 

His low/high/predominate value is WAY off. 

The effective age of my home went from 5 yrs to 10 years in 11 months? 

Comp 2 is a 3 bedroom home. If you were in the market for a family home, would you consider a 3 bedroom home and a 5 bedroom home comparable? 

Comp 1 is well over a year old. If he were going to use 1 year old comps, why didnt he use XXXX XXXX XXXX XXXX? It directly compares to my home in square footage as well as bedroom count and sold for {$290000.00} Comp 4 is ridiculous ; old sale and on the market for 2 days as compared to all the others ; 96 days, 38 days, 110 days and 66 days. Was it a distressed sale? 

Ive attached my old appraisal for comparison. 

On XX/XX/XXXX, I received a new Loan Estimate that reflects the value of {$270000.00} and shows added discount points of 1.875 % ( {$5200.00} ). 

It is my understanding from Circular 26-18-13, Exhibit A ; A loan-to-value determination must be made when discount points are charged. When discount points are not charged, a value determination is not required. 

This lender originally locked my interest rate with no discount points, therefore, according to VA Circular 26-18-13, Exhibit A, a value determination is not required. I contacted the lender disputing the need for a valuation and disputing the value of {$270000.00}. I was told that " a value dispute almost never works '' and they'll try to find a way to increase my credit score above 700 so they can approve an above 100 % LTV loan. Now that the valuation that they have ( which I do not agree with ) reports a lower value, they are using this excuse to charge me an extra 1.875 % ( {$5200.00} ). 
I feel that this is nothing short of extortion. They ordered an unnecessary appraisal and are using the low value to extort another {$5200.00} from me.

Company response to consumer: Closed with explanation