BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-21
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
In the market for an auto loan. XXXX and found out people said this credit union has a very good auto loan rate, then I checked their website. After reviewing available information, such " as low '' rates for specific terms and comparing with different products and other financial institutions, it appears they do have very good rates. As a result, I provided some basic financial and personal information for pre-qualified applications. Then the system returned many options indicating I was approved but all of them were far higher than the rate advertised. 

After calling them, I was informed that the rate was much higher than the expectation. Inquire about the reason, and get an " industrial standard response " that the rate is based on various factors ''. I expressed to him that I know my creditworthiness that my credit score meets the A+ tier for ( i would not say 100 % of the financial institution definition but at least 90 % of the financial institution definition ), no adverse record on my credit report, XXXX XXXX also considered low, credit utilization is low. I asked for an explanation of what could possibly prevent me from getting the lowest rate or any of the factor that i can expose them to higher risk. 
If the bank implements risk-based pricing which utilizes the credit report, the score has captured tons of risk factors and covert to a score already. If their so-called " other factors '' are part of the calculation of the credit score, it is like double counting or inconsistency since whatever the credit score model used has a unique algorithm to weigh different risk factors accordingly. Anyway, the loan officer told me that she does not have access to that information. 

This appears to be an unethical business practice called " bait and switch ''. And their practice further damages my credit score due to a soft pull or hard pull inquiry as I receive notification from other credit monitoring. I would really know what is the real cause so I can either correct it or stop the attempt with them

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXBalance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXXBalance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your immediate attention a critical matter regarding fraudulent accounts on my credit report. Upon a thorough review, I have identified several accounts that are not only unauthorized but also present a serious risk to my creditworthiness. I assert that these accounts are not legitimate and have been included in my credit report without my consent. I have taken immediate action to protect my identity and have reported these fraudulent activities to the appropriate authorities. Furthermore, it is evident that there is insufficient information to verify the authenticity of these accounts. I request a comprehensive investigation into these accounts, and in the absence of concrete evidence supporting their validity, I insist on their immediate removal from my credit file. The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this 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 2023-12-19
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:
I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning Trans Union & XXXX will be liable to me for statutory damages for Trans Unions misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ). 

Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive sent in A letter to Transition, XXXX, and XXXX over 30 days ago and they repeatedly told me to wait for a call back to handle this matter. I explained to them that they only had 30 days to respond and they failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. XXXX Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Tranunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion, XXXX, and XXXX are not maintaining reasonable procedures, and is in violation of severals even the ones I didn't state.

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 2023-12-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
on XX/XX/XXXX i got a letter from XXXX XXXX XXXX informing me that my local taxes have an unpaid balance since XX/XX/XXXX. I contacted Wells Fargo by phone immediately upon receiving this letter. and again a month later by phone and then sent Wells Fargo an email on XX/XX/XXXX requesting them to take care of this matter and send me a notice that it is resolved with no response at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
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 a 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality u

nder 15 USC 1681. has violated my rights. Or a 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 2024-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, I attempted to complete my free credit report with XXXX, XXXX and TransUnion. While doing so I completed the form and inputted all my personal information after I did this, site stated they will send me a code to ensure verification I did not get the five number code, the site disconnect me and will not allow me to move forward. 

I called XXXX and was asked to input my information again to start the process I did this and once again I was disconnected after I inputted my information. 

I wanted to get a copy of my free yearly credit report and was trying to place a freeze on my credit due to a breach letter I received from XXXX in XX/XX/year> on behalf of a breach of my medical records from XXXX on XX/XX/year>. I am very concerned about identity theft since my data was breach. But I am unable to move forward to check my report. 
Thank you for your time and assistance in resolving this issue. 
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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XXXX a letter was sent to XXXX, Transunion and XXXX requesting debt validation and method of verification with all supporting documentation bearing my signature. To this date there has been no documentation provided and no response from the credit bureaus. This shows that XXXX, XXXX and Transunion are not complying with their own policies to report accurate information, provide validation and method of verification along with all supporting documents in a timely manner this is a clear violation of my FCRA and FDCPA rights.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently, I discovered that XXXX XXXX XXXX account, with the account number XXXX, is being reported on my credit file. To my surprise, other credit bureaus, specifically XXXX and XXXX, have already recognized an error in the reporting of this account and have taken the necessary steps to remove it from their records. I am perplexed and disappointed that your bureau has not followed suit. According to the information I have received, there was a confirmed error in the reporting of this account by XXXX XXXX XXXX, and they acknowledged and rectified it promptly. It is unclear to me how this discrepancy persists in your records while other bureaus have updated theirs accordingly. I implore you to investigate this matter thoroughly and take the necessary steps to rectify the reporting of the XXXX XXXX XXXX account on my credit report promptly. Your compliance with the law, as well as the precedents set by other credit bureaus, is crucial in maintaining the integrity of my credit history.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: CT
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:
I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately XXXX XXXXXXXX XXXX - XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - Incorrect XXXX XXXXXXXX XXXX - Incorrect

Company response to consumer: In progress
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: MI
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:
I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XXXX, XXXX, XXXX, & XXXX OF 2023

Company response to consumer: In progress
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
there is information on my XXXX and Experian credit report that has been already removed from my XXXX report. all consumer reporting agencies conduct the same investigation process so these items need to be removed. the fair credit reporting act states that I have a right XXXX privacy and the only way a consumer report can be furnished is with the consumers written instruction. I never gave any consumer agency any written instructions to furnish my information. also transaction and experience between a consumer and a person making the report are not supposed to be on my report as well. all of this is federal law the consumer report agency have violated several federally portected rights and I need XXXX XXXX  removed from all consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys

Company response to consumer: In progress
Consumer complaint received 2024-01-08
Company: Radius Global Solutions LLC
State: OR
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have been receiving relentless robocalls from a collection agency for a payday loan that they claim I took. I have not taken one in many years. I did call the company back one time and they refused to identify who they were and they refused to send proof of the debt when I requested. They state that they have sent the proof to my email and physical address, however, when I informed them that I have not received any letters they still refused to resend. I confirmed that they had the correct email and physical address. They call multiple times per day and each call is a robocall. I told them if they are not going to validate the deby I will not pay it and to stop calling me and they have refused to stop calling me. I tried looking up their phone number and I can not find the name of the company. The numbers they call from appear to be spoofed but the call from XXXX, XXXX, XXXX, XXXX, XXXX XXXXThe calls of shown up on my caller ID as Radius Global and XXXX XXXX XXXX  but I am not sure how accurate either is.

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