BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a XXXX Believe credit card ( a secured credit card ) with my bank, XXXX. XXXX advertises this card as a way to build credit since it is a secured card. With my XX/XX/2023 XXXX XXXX update, I saw my score dropped by XXXX pts ( depends on which provider gives me this info but it is also through my TransUnion report ). The reason given for the drop is that I exceeded 100 % of the credit utilization, which is not possible. My TransUnion report lists the balance on the card as {$20.00}, again there are no " balances '' since it is secured I immediately filed a dispute with TransUnion but XXXX said there was no error and refused to adjust my score. I have filed a new dispute. 

I have also contacted XXXX, my bank, to ask why incorrect information is being reported to credit agencies. They got back to me saying they correctly reported everything and to speak with XXXX. 

I do not care whose fault it is. I just want the score fixed. There is no reason that a secured card should cause a XXXX XXXX to drop by XXXX points.

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: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # 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 2022-04-15
Company: Experian Information Solutions Inc.
State: NY
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:
I sent out my dispute letter certified on XX/XX/XXXX and they received it on XX/XX/XXXX they had to sign to get the letter. It has been XXXX  days no response it is a violation of my rights. 
They also violated the law because according to 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 I did not give anybody 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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
SEE ATTACHED DOCUMENT OF MY STATE ID AND ALL 3 CONSUMER REPORTS WITH PREVIOUS REQUEST. 

I have already attempted to remove these addresses back in late XXXX it has now been OVER 30 DAYS per FCRA as a federally protected Consumer i am now opting out of any and all authorizations that i the consumer may have given. per 15 UCS 6802, effective immediately as you are hindering my ability to obtain credit.

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 2022-04-15
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:
In accordance with the Fair Credit Reporting Act. ALL XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NJ
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 submitting this follow up complaint notify the XXXX and Equifax Bureaus once again about the dispute of certain remaining inquiries in my file resulting from the crime. Once more the inquiries I am disputing do not relate to any negotiations obtaining any possession of goods, services or money that I have made or approved. Please block and remove the reporting of these inquiries in my credit file. These inquiries are unknown to me. Also, the reporting details you provided on these inquiries are already DELETED from other bureaus and now I have doubts in the reporting accuracy on some inquiries that you presented me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind : XXXX : XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I CALL IN XXXX THE FIRST WEEK STATING THAT I HAD INQUIRES NEED TOO BE REMOVED DUE TOO FRAUD IN 2015 NOTHING HAS BEEN DONE

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 2023-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
Capital One is reporting Fraud accounts on my credits reports with all 3 major bureaus : XXXX XXXX, XXXX XXXX XXXX. I previously sent Capital One letters, for months, disputing these fraud accounts below. 
Capital One acct # XXXX {$2500.00}. Capital One acct # XXXX {$2200.00}. 
I am a victim of Identity Theft & have already sent a copy of my FTC report to XXXX XXXX, XXXX XXXX XXXX. 
Capital One received my letters and were required to take the appropriate action within 30 days of receipt. Capital One is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belong to me, anyone can open an account online using my info! Capital One 's offices failed to respond to this validation and proof of claim ( NOT A COPY OF A BILL! ) BUT REAL PROOF, all references to this account must be deleted and completely removed from my credit files. However, Capital One willfully failed to delete the disputed information as I requested in my dispute. Capital One 's action or inaction is an intentional violation of the FCRA. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 SOUTHWEST CREDIT SYS reported on my credit report for a mouth off {$86.00} dollars. Ive spoke to XXXX on multiple occasions advising them this account doesnt belong to me. Ive never had a contract with XXXX every rep will advise this account will be taking care of or they are removing it from the system and it never is done. This is fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions 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 have no knowledge of several accounts on my credit reports I've requested validation with no avail they are in violation of the fcra 609 and 611 af this point please assist me with this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Please see the attached letter sent from Cardinal Financial, dated XXXX with regards to an appraisal. I have submitted numerous complaints against this company due to their inability to follow simple federal and conventional guidelines when servicing a mortgage loan ( for latest case information, please see CFPB case # XXXX, as this is all connected, along with every other report I have filed against this company ). Per documentation mailed to me dated XXXX, my deferment has been processed, however, I received another letter dated XXXX stating an appraisal may be ordered due to the " loss mitigation process '' and that this expense will be charged to me. However, per CFPB guidelines on processing payment deferment for COVID forbearance, an appraisal is not a part of this equation for payment deferment specifically. An appraisal does not need to be completed as I am not opening, nor have I initiated a loss mitigation request. I have not authorized my credit to be pulled, the loan terms on my current mortgage to be adjusted or negotiated, nor an appraisal to be ordered. I will not be paying for this expense of an appraisal nor will it be charged to my mortgage account ; as this is not a part of CFPB guidelines or FHLMC guidelines ( who owns my loan ). I need confirmation that this expense is not being charged to me or my account as it was never authorized by me for any reason. ***My normal mortgage payments for principal and interest have been resumed as of the effective date of XX/XX/2023. *** I have attached a copy of the XXXX letter from Cardinal with regards to the appraisal along with the XXXX letter confirming payment deferment for COVID ( Cares Act ) payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got 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 non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-22
Company: EQUIFAX, INC.
State: AL
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-04
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
AMEX Bluebird closed my account and suspended it pursuant to section 22D of their user agreement. I lost XXXX USD for trying to EE Savings bonds through treasurydirect.gov and taking too much money out of my set aside account. All ACH transfers ; no cash loads. Its been a week and a half now and the money 's gone. I want a reimbursement check or ACH transfer back to my XXXX XXXX  account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2022-04-15
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling before XXXX and after XXXX. I have asked them to stop calling before XXXX but each rep will just this is an attempt to collect a debt. They will call me 4 times a day or more back to back every 2 hours. I spoke with a rep last Friday on XX/XX/2022 @ XXXX. And told her the vehicle has been traded to a dealership and they have to wait for a check from the dealership. It was a brush like okay well we are still going to call you. Today XX/XX/2022 Kia Finance has call 4 times or more every two hours this is nonsense and its harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: AL
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.

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 explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-11
Company: EQUIFAX, INC.
State: LA
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, XXXX XXXX XXXX XXXX of XXXX, have been impacted by the XXXX Data Breach ; as a result, I have been a victim of identity theft. After reviewing my credit report, I noticed several inquiries that are not mine, and I have no knowledge of these inquires. I have no account with the companies listed. I have provided my FTC report for accuracy ; please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last XXXX Truist was notified by XXXX XXXX that my flood insurance was due. They did not pay the flood insurance until after XX/XX/XXXX, which is after the 30 day grace period. Truist was notified numerous times by myself and my insurance company and they replied that everything was taken care of. They have the emails from XX/XX/XXXX and mine from XX/XX/XXXX. NowI have lost any granfathered discounts, my insurance has increased {$3000.00} a year ( my property has never had an flood insurance claim since XXXX when it was built ). 
I have had this mortgage and insurance for over 10 years. I have also lost continuous coverage to keep a lower rate, which, if i sell my home the buyer would have also get a lower rate, also at the higher rate the coverage is lower..I have talked to over XXXX people and it seems noone wants accept the fact the bill was sitting on someones desk. I now have a forced policy placed of which i have no idea what this will cost. My insurance co. said Truist has done this to others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, 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. 

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