BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX XXXX ran a hard inquiry on my personal credit report with Transunion. Prior to applying for a business card, I called and was told that a inquiry will not be ran on my personal credit only on my business 's EIN

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: EQUIFAX, 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: NY
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 Consumer and natural person am a victim of identity theft. XXXX, has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. This credit reporting agency also known as a financial institution has violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. XXXX is in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which XXXX failed to do this. XXXX is in direct violation of 15 USC 1681b regarding permissible purposes of consumer reports, in which I have not authorized, signed or given any direct instruction for XXXX to report these inaccurate and fraudulent accounts on my consumer report. Their Wilfull noncompliance which is a direct violation of 15 USC 1681n has caused me actual damages. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. XXXX is in direct violated of the FCRA law 1681s-2 by not holding up to its duty when furnishing consumer reports. XXXX is in direct violation of numerous laws under the FCRA and is also in direct violation of the Gramm Leach Bliley Act of 1999.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: HW Holding, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I placed a Complain ( # XXXX ) it came back as resolved??? 
There are many questions. 
1st Question : Hunter Warfield is indicating that " Interest is accruing at the legal interest rate on the account ''? I can not find that information on the Lease anywhere. Also what is the Legal Interest Rate? How much is that? where does that come from?

2nd Question : Water was inside the walls. Sheetrock can be Dry but Mold can grow inside ( Smell is very distinctive ) XXXX XXXX promised that they will get a " Professional '' company to make a full report. I am still waiting for the official report. 
XXXX show moisture meter which shows up to 12 % + of moisture ( 16 % is high moisture in walls ) I am still looking for the report that XXXX promised when I spoke with them. ( I did contact them about mold ) I told Cascade if they get me a professional report ( From certified Company ) indicating that there are no Mold inside the walls and under the cabinets I will pay the charges. 
Also location of the Moisture reading done by? is not indicated anywhere. 
How about under the cabinets ( There was 2 '' of water sitting in the kitchen / Living room area ) CFPB automatically accepting explanations without actual proofs from Hunter Warfield Inc. is not acceptable and I like CFPB to reopen this file. 
Hunter Warfield could have cost me Thousands in higher interest and I would like them to remove this charge immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Subject : Urgent Dispute of Erroneous Account under FCRA Section 611 15 USC 1681 Dear Sir/Madam, I am writing to dispute an erroneous account that has been on my credit report since XXXX, stemming from a time when my personal information was stolen during the pandemic. Despite multiple attempts to rectify this issue, I have received no assistance or resolution from your company. 

This inaccurate account has caused repeated credit denials, significant financial hardship, and even contributed to personal and family distress, including a divorce from my wife of 6 years and other challenges with my child. 

Under FCRA Section 611 15 USC 1681, I have the right to accurate credit information and to dispute any inaccuracies. I urgently request a thorough investigation into this matter and the immediate removal of this account XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX  from my credit report. 

Please act promptly to address this situation and provide me with updates on the progress of my dispute. I expect a resolution within the timeframe mandated by law the stress level and distress I have acquired over the last year is taking a toll on me. 

Your immediate attention to this matter is greatly appreciated.

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: EQUIFAX, 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: Personal information incorrect

Complaint:
I am seeing incorrect information on my credit report, such as my name Date of Birth Address Place of employment etc. 
I have highlighted the information in red that are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$2200.00} check to my checking account through the ATM of XXXX XXXX XXXX on XX/XX/XXXX. However, the fund availability delay was changed from XX/XX/XXXX to XX/XX/XXXX a week later. In the communications received from BB & T ( now Truist ), the Hold Type was Reasonable Cause to Doubt Collectability, and Description was Account Ownership Issue. 

Over the past few months, I have called several times and stopped by the branch- I believe I have proved the validity/collectability of the check deposited, with evidence from all parties involved. I have asked a representative from the payee company to call back as indicated. In addition, Im the owner of the business who was sending the check. Furthermore, the issuer of the check has confirmed the validity and suggests the bank to make the fund available instead of voiding the check, as it had already been deposited. Therefore, I believe the " Hold Type '' of " Reasonable Cause to Doubt Collectability '' and " Description '' with " Account Ownership Issue '' was no longer true. 

There is not ANY legal foundation in the Bank Services Agreement ( BSA ) or federal regulations suggesting that BB & T ( now Truist ) can hold the fund availability for XXXX years until XXXX. If there was genuine concern on the check, it should have been rejected in the first place, rather than accepting and withholding the availability, so that I can ask a new check to be resent. 

The fund has already been transferred successfully to BB & T ( now Truist ) and stayed there for XXXX months now, but I can not have access to the money. I have received neither reasonability nor sympathy from BB & T ( now Truist ), and have not even heard back from their Client Resolution Center since two weeks ago.

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 2023-11-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
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:
In accordance with the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to rectify or expunge inaccurate, incomplete, or unverifiable information within a stipulated timeframe, typically 30 days. It has come to my attention that XXXX is currently in breach of FCRA regulations, as the company has failed to conduct a thorough examination of disputed information and subsequently eliminate the aforementioned data from my credit report. Instead, XXXX persistently reports information that is inaccurate, inadequately verified, and incomplete. 

Upon disputing the accounts with Citizens, it was observed that inaccurate and incomplete information, including but not limited to the date of last payment, reported balances, payments made, and account history, was provided by Citizens. A proper investigation by XXXX would have revealed a recurring pattern of inaccurate reporting by Citizens ' Bank spanning at least six months. Notably, the same Citizens account appeared twice on my credit report for extended periods, with varying account opening dates and balances. It is imperative to highlight that this account, opened in XXXX, is no longer legally valid. 

In a recent dispute, XXXX removed one Citizens account from my credit report, which indicated an account opening date in XXXX and a duration of over 16 years. However, XXXX allowed Citizens to renew this aged debt by presenting the second Citizens account with a " no info '' designation for the date the account opened, accompanied by other incomplete information. This renewal of the account, coupled with persistent violations of debt collection laws by Citizens and its predecessors, has adversely impacted me in various ways over the years. These repercussions include hindrances in employment considerations for the year XXXX, imposition of higher interest rates on financial transactions such as my car loan in XXXX, and disqualification for loans or credit cards. 

It is essential to note that consumer reporting agencies are prohibited from reporting outdated negative information. Therefore, the continued reporting of this loan from XXXX, which has been charged off and renewed for an extended period, raises significant concerns and further underscores XXXX 's non-compliance with regulatory standards. 

Citizens and their predecessors are currently found to be in contravention of the Fair Credit Reporting Act ( FCRA ) as they serve as furnishers of information to consumer reporting agencies. Notably, they are supplying data that is incomplete, inaccurate, unverifiable and includes negative information that has become outdated. The provided information has not undergone adequate and sufficient validation processes, raising concerns regarding its legal collectability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: IL
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 request the bureau to initiate an investigation into the accounts mentioned, as they are incorrectly reporting me as late despite my consistent on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I notified XXXX  at a local branch that my Account had been skimmed while I was out of town. Unfortunately they still charged me for the transactions. I was recently declared a victim of identity theft because my information had already been compromised. I love trumark but I do feel that they mishandled my checking account by charging me for item I did not purchase as well as fees associated with this occurrence. I previously hadn't has any issues until this recent incident occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
From inception of the vehicles lease, BMWs finance company has been allowing XXXX of the XXXX family to unlawfully credit their account with XXXX. XXXX of the XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly notes for the XXXX XXXX  XXXX from XX/XX/XXXX. The Correct tender has been sent to said party to correct for set off XX/XX/XXXX Letter of Instructions were registered mail to The BMW Lease Trust XX/XX/XXXX Change of Terms Letter was registered mail to The BMW Lease Trust 1099a filing to the IRS and accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: TX
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:
I contacted the credit Bureau and I spoke to someone there who's been assigned to me by the name of XXXX and this person never replies to me or assist me continues to argue with me and refuse to take care of everything thinks he knows everything about my credit. 

I informed him that there was an inquiry dated XX/XX/2020 that was done in accident and should be removed and I have the letter from the creditor asking for its removal he absolutely was taunting ignorant and refused to assist me. 

today upon talking to his manager XXXX XXXX asked me to send that letter and information in so that it can be taken care of but I'm still filing this complaint 'cause it still shows on 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 explanation
Consumer complaint received 2021-08-04
Company: National Credit Systems,Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I signed an apartment lease with my parents from XX/XX/XXXX until XX/XX/XXXX. My parents passed away in XXXX on XX/XX/XXXX and XXXX. I moved out on the last day of the lease. XXXX XXXX XXXX said I didn't owe money. However a collection debt in all joint names was sent to Nat'l Credit Systems acct no XXXX in XX/XX/XXXX for {$5000.00} from XXXX XXXX to reporting agency. I called them sent in the lease and death certificates for my parents. A property I applied at denied me residency due to this report. I disputed it through 3 bureau 's. The XXXX XXXX property I applied at denied my application before the dispute was announced. Which is still pending. I wasted {$100.00} app fee and a lot of time and was treated poorly for a clerical error. XXXX XXXX XXXX even went as far to not give me the application refund and told me even though my parents died and we were all clearly out the XXXX XXXX  by XX/XX/XXXX that I also absorbed their debt portion. Now I'm living in a hotel. Hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. I have tried serval times to apply for loans, but due to the pandemic under this crisis you have 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 explanation
Consumer complaint received 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX of last year, while I was working in California, my rental car was broken into and my backpack was stolen ; it contained my passport, checkbook, and other personal items. ( Police Report available ) I immediately contacted my bank to close this compromised checking account, but they refused because all postings had not cleared. They said I had to wait until they cleared, which I did and finally, the compromised account was closed on XX/XX/2023 and opened a new checking account. 

[ Capital One has a design flaw in its online banking. They list all your accounts, including the closed ones, all together, making It look like all the listed bank accounts are working and active, which leads to constant confusion for the account holder. 

On XX/XX/XXXX, without my knowledge or consent, Capital One reopened the account due to a posting. I was told I had to pay it for the account to close. I paid the charge. On XX/XX/XXXX, another posting hit the account for {$14.00}, leaving the account with a negative balance of {$14.00}. This time, I refused to pay the negative charge ; it was insulting to be bullied into paying a charge that should have been rejected or applied to my new active account. On XX/XX/2023, XXXX XXXX sent me a letter informing me that they were exercising their right to debit my savings account to cover this outstanding charge of {$14.00}. This time, they left the once-closed account open. Then, a refund was issued to me and posted to that checking account, which now showed a working, accessible balance. Once again, I asked that the account be closed and withdrew all the money. I was told the account was closed. This caused me much confusion ; I inadvertently sent payments against the wrong account, thinking I was using the one good checking account ; in my mind, I thought, " Surely, a closed account will not allow payments to be posted against it. '' I thought it was my error in not making deposits in time to cover these payments. I even had an auto-pay for CAPITAL ONE 's CREDIT CARD from this closed account. To this day, the wrong account carries a balance of XXXX cents. 

Capital Ones refusal to close my account when I had first requested it left me financially vulnerable, it also affected my credit and cost me hundreds of dollars in late fees and returned items fees.

Company response to consumer: Closed with non-monetary relief