BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-08-22
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: Credit inquiries on your report that you don't recognize

Complaint:
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 I've reached out to TransUnion on XX/XX/XXXX about the above fraudulent inquiries submitted in my name, and they refused to delete the inquiries for which I did not apply. Please remove these inquiries I did not authorize. Thank you!

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 2020-09-15
Company: Experian Information Solutions Inc.
State: KS
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:
The company in question ( XXXX  XXXX  ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.

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 2021-05-28
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment to my credit card account on the due date of XX/XX/XXXX but Im showing that a late fee of {$29.00} has been assessed?! The payment was made on the due date and the payment confirmation from the credit card company shows as being paid on XX/XX/XXXX. I looked and this also happened to me last month in XXXX. The payment information shows I paid on the due date of XX/XX/XXXX but I was still assessed a {$29.00} late fee. Im paying on the due date and the confirmation from the credit card company is showing I paid on the due date then why am I being assessed late fees? Additionally I looked up if there are cutoff times for payments and its disclosed by XXXX XXXX if a payment is made electronically or by phone before XXXX it will be applied to the account on that date and a late fee would not be assessed. Both payments were made on the due date online well prior to midnight. Attached is documentation to support all this. Ive contacted customer service several times I attached screen shots of the most recent interaction and the employee said that I should make my payment 2 days in advance because sometimes there could be technical errors. Im sorry but if there are technical systemic errors with XXXX XXXX payment processing then how is that the customers fault and okay to XXXX them a late fee when they paid on time and the payment confirmation shows they paid on time. The customer service representative told me the late fees could not be refunded! The representative tried to push me into auto deduct to avoid a late fee even though I made my payment in accordance with the terms and conditions disclosed. This is extremely deceptive and I cant even imagine how many customers this is happening too. When you contact customer service they admit there could be a technical problem but the solution is for me to schedule my payment well in advance. Please someone needs to research this and refund my late fees!! If I made the payment late then thats my fault but in these instances I did not and no one can explain why fees were assessed!

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am deeply distressed and alarmed by the current state of my credit record and my overall situation. This ordeal is not only incredibly embarrassing but also clearly a result of either your actions or the corporation 's negligence in disseminating inaccurate information.

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 2022-10-26
Company: Upgrade, Inc.
State: IL
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:
On or about XX/XX/22 I applied for a credit card and given a {$1400.00} credit limit, I used a total of around {$300.00} XXXX some change, my credit score went down they cut the card off for about 2 weeks my score went back up, so they turned the card back on for me to use, i requested {$170.00} cash they never sent the money, but added it to my balance and now says I owe {$51000.00}. I made a couple of payments totaling {$27000.00} since XX/XX/22 and tried to get the correct balance to pay them off in full but they keep saying I owe them {$510.00} eventhough I already paid them {$270.00} XXXX the XXXX XXXXXXXX change I borrowed, they refused to give me a correct statement balance, I've tried over XXXX calling asking for a manager, yet they keep saying I still owe {$510.00} which is not correct, it should be at most {$100.00} or less they refuse to give me a balance to pay them off at one payment, PLEASE HELP?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2022-10-26
Company: EQUIFAX, INC.
State: TN
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:
XXXX, XX/XX/2022 XXXX XXXX XXXX account XXXX reported wrongfully actions in collection that is not mine of the amount {$1400.00}. Please removed this account off my credit report under : They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have XXXX days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate and questionalbe items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting act everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 1 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2022-04-21
Company: EQUIFAX, INC.
State: TX
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 was speaking to a loan officer from XXXX XXXX XXXX  XXXX, XXXX about applying for a conventional loan for a duplex. I asked him all questions over the phone prior to starting application with him. He stated false information of interest rates for duplex and gave information on single family homes. Which I learned from him after he completed the form himself and then ran my credit score and sent me information regarding nonpayment of 25 % for duplex which he failed to mention when I asked him for the range of down payment required by the company for a duplex. I have emailed with him regarding the situation. He stated he would try to correct this mistake and requested an approval from cooperate to allow him to provide me with a letter of deletion so I may send it to the credit bureau. They declined and they stated they do not have a form that they can present that would qualify as a deletion letter. I have this all documented in an several emails we have exchanged. The credit bureau stated to file a complaint with FTC and their website redirected me here. Can you please assist with removing this from my credit report as I was given inaccurate information and credit score was run under false pretense. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Experian Information Solutions Inc.
State: DC
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 sent in a request to XXXX asking them to delete a medical collection debt because I never had any knowledge of this account and any medical services that are rendered to me I sign a HIPAA of 1996 notice which does not allow any release of any medical information or medical account information. This form states that my medical information or medical account information should only be discussed with the person that I have given access. I have never given XXXX access to my medical information or medical account information. XXXX is in direct violation of this federal law and I am requesting the debt to be deleted immediately from my credit file. XXXX did not get any permission from me to access any medical information or medical account information.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2023, someone tried to open a XXXX XXXX credit card under my name and Social Security number. And how I found out about this issue is when XXXX XXXX called me that same day, and asked if I opened up a XXXX  XXXX credit card, which was a Hard Inquiry onto my Credit Report. So I immediately informed the XXXX XXXX customer support that I was not the one that applied for their credit card. Customer Support immediately blocked/locked that application/account and told me to call them back in the morning as I just got to work when they called me. I called immediately called back the next day and spoke with another XXXX XXXX customer support, and thankfully enough, there was no account opened up under my name and social security number. The customer support did inform me to contact All 3 Credit Bureau 's, to inform them that I contacted XXXX  XXXX and that they do not have any information under my name and social security number, in order to delete/erase that Hard Inquiry onto my Credit Report. I have contacted XXXX already, and they have deleted the Hard Inquiry. However, XXXX and TransUnion need proof of information from me, in order to delete/erase the Hard Inquiry. Please help me out with this issue as I do NOT want this on my Credit Report, as my scores have decreased because of this. Thank you.

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 2021-05-28
Company: ERC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ERC Date : XX/XX/2021 XXXX : Social Security Number : XXXX To Whom It May Concern, This letter is regarding account ERC, which you claim This is my account which was placed in collection off {$4600.00} ). This is formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$2000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CrossCountry Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe Cross Country Mortgage is misappropriating funds from my escrow account. They have charged me for an additional tax payment that has gone unrecorded by the town tax department. The escrow analysis in addition to the already paid taxes projects the fund to pay out taxes XXXX times this year with an overage of roughly {$1300.00} unaccounted for. My phone call with a company representative on XXXX confirms these facts and that the error is on their end. However, despite numerous calls and emails citing the following information, they remain unresponsive. 

The actual payments and projections of taxes to be paid this year are as follows : Payment Dates and Sum of Taxes Paid in 2023 XXXX {$1300.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX XXXX  ) XXXX {$1300.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX  XXXX.XXXX  ) XXXX {$1300.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX  XXXX.XXXX  ) XXXX {$1200.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX  XXXX.XXXX  ) The sum of these tax payments, already paid in XXXX installments, for this current year is {$5400.00}. This is roughly equal to the projections stated by the XXXX XXXX  XXXX XXXX XXXX for the yearly taxes from last year ( See : XXXX XXXX XXXX XXXX '' ). 

According to the Escrow Analysis provided by Cross Country Mortgage on XXXX an additional payment of {$1400.00} is planned for XXXX of this year. Once this is paid, the sum of taxes paid out of escrow from this account will total XXXX tax payments this year equal to {$6800.00}. 

Compared to last year 's tax schedule this will result in XXXX additional tax payment ( bringing the total to XXXX payments ) as well as an excess of funds paid out estimated at {$1300.00}. The excess of funds is currently unaccounted for as this sum has not been recorded by the XXXX XXXX XXXX XXXX as indicated by the public tax record for the property ( See : XXXX XXXX XXXX XXXX '' ). 

I've reached out via numerous emails sent to XXXX on the following dates : XXXX XXXX XXXX XXXX XXXX I've also called regarding this matter on the following dates : XXXX XXXX XXXX XXXX XXXX This issue came to my attention when Cross Country Mortgage increased my monthly escrow payments thereby effectively increasing my monthly mortgage payments. They intend for the additional payments to make up for the unaccounted funds they appear to have misallocated. 

I welcome your assistance in finding resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent letters again on multiple different occasions. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and it is frustrating me because my rights aren't being protected under the fair credit reporting 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 explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: AR
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 asked Experian and XXXX to remove the following unauthorized inquiries as they are not correct and I have not given permission for such inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove all of these unauthorized inquiries immediately

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