BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, XXXX XXXX, sent XXXX and Transunion a dispute letter 5 months ago regarding inaccurate information on my credit report. The accounts have yet to be verified and are still reporting. One account in particular was removed from my XXXX credit report last month, but XXXX and Transunion have failed to remove it. The account is collection XXXX XXXX XXXX XXXX. I am requesting that XXXX and Transunion follow suit and delete this unverified account. I am also demanding an investigation of the accounts listed in the dispute letter which I will attach for your reference. The letter is dated and time stamped. Investigate and remove the following accounts : 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 2023-02-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX XXXX 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.

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 2022-11-14
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate and so much more. This grounds 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 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : XXXXXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : CXXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX ( XXXX removed XXXX XXXXXXXX XXXX due to inaccuracies ) Account name : XXXXXXXX XXXX  Account # XXXX ( XXXX removed XXXX XXXX XXXX due to inaccuracies ) Account name : XXXX ( XXXX and XXXX have it has XXXX ) Account XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Also the credit bureau took more than 30 days to complete my investigation , here is my complaint ID # XXXX opened on XX/XX/2022 and company responded on XX/XX/2022

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 2019-01-02
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NationStar/ Mr. Cooper is intentional miss applying extra payments attended to pay down my mortgage. After several phones call and threats to file a complaint they applied {$390.00} paid to them in XXXX on XX/XX/XXXX ( see documentation ). This payment should be adjusted for XXXX when it was paid to them and not holding it for 2 years in some unapplied account fund making the company money via interest in their accounts. Furthermore, after phones call in XXXX and XX/XX/XXXX regarding extra payments paid to them in XXXX they reversed {$430.00} that was applied as a regular payment XX/XX/XXXX ( see documentation ). When I question why would anyone want to make extra payments toward interest and not the principal, they gave me some lame excuse about they thought I was just paying a month in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : 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 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 2023-04-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 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 explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
XXXXXXXX XXXX  {$2200.00} for a credit card I never received due to XXXX XXXX XXXX stealing all my USPS mail . 
She stated she charged {$5000.00} and XXXX credited {$2500.00} back per Fraud department. ( XXXX ) I reported this identity theft in XXXX to FDIC, local white XXXX XXXX police XXXX XXXX XXXX # XXXX who has body cam footage of XXXX XXXX XXXX stealing my card at XXXX XXXX XXXX, XXXX, Nj XXXX. 

On camera XXXX XXXX XXXX used it inside XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, NJ XXXX XXXX Store # XXXX XXXX XXXX, Store Manager XXXX I went into the store and spoken to security who stated in front of XXXX XXXX police XXXX XXXX XXXX XXXX on body cam she used my credit card on camera XXXX XXXX XXXX  ( XXXX ) XXXX I called XXXX, to XXXX XXXX XXXX. 

I had the FRAUD dept investigate this in XXXX, it was charged off XX/XX/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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please see the attached FTC report and XXXX data breach claim and remove the account XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX from my credit report. I never had an account with this company. If they are under another name, they have failed to identify themselves. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.

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 2022-02-23
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I went to pay my

CITI card by phone. I have done this multiple times before. I wanted to make a one time payment. Before doing so I reviewed the terms on the statement for payments by phone. The terms were : For phone payments you authorize CITI to electronically debit your specified bank account by an ACH transaction in the amount and on such date that you indicate on the phone. YOU ALSO AUTHORIZE CITI TO AUTOMATICALLY DEBIT YOUR SPECIFIED BANK ACCOUNT EVERY MONTH, in the amount and on the same date each month you indicate on the phone until you withdraw your authorization. I called to make the payment and was routed to a automated system. One of the first things the system indicated was " you are agreeing to the payment terms on the statement. '' I hung up and
did not pay. I then called and spoke to a representative named XXXX. I

went over the terms and asked if it was correct that if I made a phone payment I would be enrolled in auto pay. She said no despite what the terms clearly state. She said I was not enrolled in auto pay and accepted a one time payment from me over the phone. At least I hope that's the case. The credit card terms should make clear that one time payments by phone can be made and not be forcing people to enr oll in autopay just because they are making a payment by phone.

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 2023-01-30
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-14
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$300.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
To whom it May Concern On XX/XX/XXXX, I received my account statement for my Personal Credit Line N XXXX, but I do not agree the interest rate on it. I have been complaining this account several times regarding the misleading and unfair interest rate Wells Fargo have been charging me these months. For example, in the statement ofXX/XX/XXXX, they applied an interest rate of 20.05 %, but in XXXX the interest rate changed to 20.75 %. Despite I have been paying more than half of the credit line, the interest rate still is unfairly increasing monthly. This unjustified and wrong action that has been taking by Wells Fargo against its clients must be stopped by a competent authority. 
I would take the respective actions, if Wells Fargo keep charging me this high and unreasonable interest rates. Also, I would stop my payments until my complaint was considered and my interest rate get changed to the initial yearly interest rate of 8.5 % ; which was offered to me when I filled and summited the application for this credit line in the XXXX XXXX store. 
Sincerely, 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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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 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 2019-09-25
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
It has currently been over 3 months since I paid off the auto loan on XX/XX/XXXX and have not received the title of the vehicle. On XX/XX/XXXX, I contacted Huntington to get a status update on when I will receive the title and was told Huntington had no information on it. 

According to The Huntington National Bank , the company claims they identified that the amount of income disclosed on the application may have been entered incorrectly when Huntington received the credit application and contacted the dealership to retrieve the corrected income amount and approved and funded my request for financing with the updated information. 

On XX/XX/XXXX, I decided to call Huntington to see what they receive on the credit application as my income and ended up speaking with the underwriter that approved and finalized the deal. Underwriter claims it was submitted as $ XXXX monthly income, but knew the loan would not get approved so underwriter confidently assumed it was an error and added an extra zero to the end without contacting the dealership to verify which is fraud. 

The Huntington National Bank said the company would not do anything while another bank have decided to remove the credit inquiries as a courtesy to me and in light of the clerical error by the dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion phone # ( XXXX ) XXXX is Reporting XXXX XXXX XXXX on my credit report this is a fraud account please remove thank you. 


Original creditor name XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

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 2022-11-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : 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 explanation