BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 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 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 2019-10-16
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" NEW ISSUE '' I have completed papers in XXXX District Court in XXXX XXXX XXXX and called Barclay and asked how to serve them papers from the courthouse the Barclay representative gave me a PO Box that doesn't reflect their registered agent office so I can't mail them. I am seeking litigation for violations for neglience under the Fair Credit Billing Act and Truth in lending acts and not honoring police reports in XXXX district court in XXXX for damaging my credit reports and not being able to move due to this and my safety been jeopardized due to criminals knowing where I live.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 XXXX  XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX ====================================== UNAUTHORIZED INQUIRIES PLEASE DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX =================================== 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 of 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 2022-02-11
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TD bank has reported an account to my credit report for some time now. I have previously disputed this record and they pulled it off the bureau ( all 3 ). This account was not mine. Company has been non-responsive to dispute letters sent in and has not provided me with any feedback other than adding the account back to my XXXX report. Interesting enough they are only reporting to that 1 bureau. XXXX has not been helpful in this situation either and has frankly been unresponsive. Not sure why the either company is able to address an account from XX/XX/2016 or deal with the customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NE
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 strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: IL
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:
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 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 has violated my rights. Or 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2019-05-21
Company: Monterey Financial Services LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Monterey Financial Services, LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Tel : ( XXXX ) XXXX Purchased a puppy in XXXX Massachusetts at the XXXX XXXX Store inside the XXXX XXXX XXXX on XX/XX/2018. 

The purchase price was {$3100.00} I have paid {$2900.00} to date. 

Company states i owe 30 payments of {$230.00} and at the end of those payments i will still owe another {$3000.00} in interest?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
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 do not consent to electronic communications. I request all responses be in writing through the XXXX I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. Bankruptcy 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 2022-11-10
Company: Experian Information Solutions Inc.
State: AL
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. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 explanation
Consumer complaint received 2022-02-11
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: Was not notified of investigation status or results

Complaint:
I have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-06-07
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Ive been paying Freedom mortgage for the last 2 years never been late or missed. 
Ive been paying the same acct number for over 2 years as the documentation shows. 
On XX/XX/2023 my bank ( XXXX ) wired {$1000.00} to freedom mortgage, it was processed as it had been for two years, Freedom mortgage held my payment and decided my payment to that account # was wrong and returned it to the bank 13 days later. I was not notified at all. I unfortunately came down with XXXX  at this time and wasnt as sharp as I could have been. 
But no phone call or text to let me know that they were no longer excepting my payment to the account # that I had been sending it to. 
As soon as I realized the problem, I paid XX/XX/2023 and XX/XX/2023 payment. 
I talked to 2-3 customer service agents and was actually told I was lucky that freedom didnt go back 2 years to charge me late fees for 24 months. They were not helpful at all.

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 2020-03-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I modified mortgage loan with the Chase 6years ago when I close Finance I signed on the paper and I initialed the bottom of the right side corner. I want to get copy of original Statement what I Initial signed, Because when I settle with the bank Bank Chase no interest for {$180000.00} no interest but right now balance is {$250000.00} and variable maximum interest rate up 4.25 % than after 5year intree rate. Will be fix but right now 4.9 % they charge me so much. I  requested I want to see original paper I didnt receive that they never send it to me, I requested original first signed paper 6 years ago with my initial each paper loan documents. Chase not help me verify my loan paper. Please help me. My mortgage loan number is # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
XXXX reported myself to all credit agencies, after I signed up for XXXX during XXXX through XX/XX/2020 due to national pandemic and was not able to work. My credit is protected with the Cares Act. I want XXXX to remove the late reporting to all the credit bureaus for XXXX, XXXX and XX/XX/2030. I have Paid the balances off in full.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to Experian to reinvestigate these accounts on XX/XX/2023 tracking XXXX # XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name XXXX XXXX  XXXX XXXX XXXX 
Account : XXXX Account Name : XXXX XXXX  Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX  XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Account Name : CHARTER XXXX CC ( XXXX Citizens XXXX ) Account : XXXX Account Name : XXXX XXXX XXXXXXXX Account : XXXX Experian - Investigation was completed on XX/XX/2023. Report XXXX XXXX However, they stated all accounts was 100 % complete and accurate. 

But how is that possible if there is still incorrect, inaccurate reporting date of last activity, open date, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that arent reporting correctly. If all information is not 100 % correct and accurate -- accounts must be deleted per consumer law. 


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.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have more evidence to prove my case Furthermore, they didnt even record the current status of the disputed information which is another violation.

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR TRANSUNION XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-04-03
Company: W&A Intermediate Co., LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was involved in an accident that was NOT my fault and had to be transported to a large hospital via air ambulance. The case against the party at fault is pending litigation and The original bill was sent to collections for 12 % more than the original bill. They have sent me nothing the verifies I owe this debt to them and this is a HIPPA violation. I would like this immediately removed from my credit report as they have failed to provide me with any supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: STATE FARM BANK, FSB
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had this credit card since 2008. For years I struggled financially to make my payments in full. Last month I genuinely forgot to make a payment of {$100.00}, and since I did not pay my balance in full I incurred a {$57.00} charge on interest. This credit card company charges you interest based on the amount of purchases you had in the month. I called to ask if they could waive the fee since it was an error on my end and I have never in the 12 years of having this card asked for an exception. They were very unwilling to help, they placed me on hold on for about 20 minutes trying to locate a supervisor. I was  transferred to corporate. The lady ( did not write her name ) had no empathy and rapidly told me she can help me close my card since I shared with her that this card had no benefit to me due to the large increased interest charges. She did not care to listen to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I never opened a capitalone Walmart credit card. My account was switched from XXXX XXXX to capitalone without my knowledge or permission. I sent my payment to my usual account. I sent my payment to XXXX XXXX as usually thinking my payments were being applied. After my payment was returned I found out my account for my Walmart credit card was switched to capitalone without my knowledge. My autopay was also cancelled without my knowledge. This resulted in a late payment mark on my credit report through no fault my own. I sent my payment to my usual bank just to find out they switched my account to capitalone without my knowledge. I paid my account on time. This late mark needs to be removed. No one from capiitalone has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PNC Bank has failed to provide disclosures to for a mortgage after repeated requests to obtain same from XXXX XXXX. The loan application was processed on XXXX XXXX and my credit reports were obtained from the XXXX credit reporting agencies. 

PNC Bank after XXXX weeks, appears to be acting in discriminatory manner.

Company response to consumer: Closed with explanation