BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXXXXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXXXXXX XXXX  has again reported incorrect amounts for my Secure card to TransUnisUnion. This reporting happened again on XX/XX/XXXX. This makes 4 in XX/XX/XXXX amounts I don't owe changed on my report. TransUnion states on report that the amount showing affects my score. 
So now my score has dropped XXXX points. 
I have never deposited {$1900.00} on my Secure card. 
I now as of today have a balance showing owed of {$2200.00} which is incorrect. 
I don't owe XXXX anything this is a Secure Card.

XXXX is not trying to fix their errors. They are refusing to send Secure card statements to me. 
I deposit the same amount every month to my secure credit card. 
This is against FCRA Law. 
Thanks for your 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 2023-09-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : FRSTFIN/FNBP Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXXXXXX XXXX  has again reported incorrect amounts for my Secure card to TransUnisUnion. This reporting happened again on XX/XX/XXXX. This makes 4 in XX/XX/XXXX amounts I don't owe changed on my report. TransUnion states on report that the amount showing affects my score. 
So now my score has dropped XXXX points. 
I have never deposited {$1900.00} on my Secure card. 
I now as of today have a balance showing owed of {$2200.00} which is incorrect. 
I don't owe XXXX anything this is a Secure Card.

XXXX is not trying to fix their errors. They are refusing to send Secure card statements to me. 
I deposit the same amount every month to my secure credit card.

This is against FCRA Law.

Thanks for your 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 2020-10-21
Company: Westlake Services, LLC
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:
The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last XXXX digits of the social security listed do not match my personal information. 

XXXX XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update 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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please review my credit report in accordance with the FCRA. Kindly remove the Inquiry from my XXXX and Transunion report that is dated for XX/XX/2023. This was not authorized. 

XXXX Card- XX/XX/2023 If there are any inaccuracies or non-compliances, I kindly request that they be removed from my credit report. 

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 2023-06-30
Company: EQUIFAX, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX 15 U.S.C 1681 section 602 A. : States I have the right to privacy 15 U.S.C 1681 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2018-09-04
Company: Movement Mortgage LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/XXXX, my husband and I applied for a mortgage loan with Movement Mortgage to purchase a house for {$270000.00}. They sent us an application for a {$210000.00} loan, including a lock agreement document, which they had filled out to say that we chose not to lock in the rate. It also indicated that the choice was not binding until we declared an intent to proceed with the loan. When we received the loan estimate document on XX/XX/XXXX I called the broker, XXXX XXXX, and told him that we wished to increase the amount of our down payment, and waive the escrow, in order to lower the monthly payment. I asked for a new written estimate, showing these revisions and new closing costs, which he refused to give us. After discussing this with my husband, he emailed Mr. XXXX the next day, XX/XX/XXXX, and reiterated the request, and asked for the rate to be locked in, at the quoted amount of XXXX. Again, Mr. XXXX insisted that written revisions were not necessary, that he had taken care of everything. On XX/XX/XXXX, six days before our scheduled closing, we received a new loan estimate, which still included the escrow, and a letter of changed circumstances, which indicated an increased rate of 5 %, due to the fact that we had failed to lock in the rate. When we telephoned him, and reminded him that we had made the request, he denied it, and said that he had made numerous attempts to get us to lock in, which was not true. The lock agreement which he included with the revised estimate was the first we had ever seen for the {$190000.00} loan that they had approved for us. He insisted we must sign the incorrect estimate document in order to close on time. We tried to pursue this with other loan officers, XXXX XXXX, and her supervisor, Market Leader XXXX XXXX, to no avail. Even when we presented them with the XX/XX/XXXX email request, they insisted that the lock agreement that was part of the application, even though it was not for the loan we received, was the overriding document. We feel that this was no more than a bait and switch. The email in question explicitly asks for the rate to be locked in, yet they insisted on calling it a request for rate information. 

We have already forwarded copies of the relevant emails to the company, and they are in possession of all loan documents, and choose to interpret them to their own advantage, which is why we have contacted your bureau for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

Account name XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
As a formal inquiry into the case of the United States v. Toyota Motor Credit Corp. ( XXXX. XXXX. ) Which came to my knowledge about six months ago. I feel as though I have been one of the victims of Toyotas ill practices. I am writing this letter to restrain advantages taken upon me being that I am older and of minority descent. In XX/XX/2014 I financed a brand new XXXX  XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXXXXXX, XXXX located in XXXX, NY. I believe I was unknowingly taken advantage by Toyota since I am liable for, in total, XXXX for a vehicle which at the time costed {$35000.00}. I ponder upon the fact that Toyota knowingly inflated my interest rate because of my ethnicity. I don't think this is fair as I, like many others, is a hard working individual. It is frightening to think that a big corporation such as Toyota would take advantage of individuals of minority such as myself. I would greatly appreciate some feedback on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: MA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/14, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX account # : XXXX XX/XX/2022 XXXX  Account # XXXX Date Opened : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Account # XXXX The Fair Credit Reporting Act grants me the right to challenge any inaccuracies in my credit report. It mandates that all information in a consumer 's file must be thoroughly documented and validated before being used by creditors. I take this responsibility seriously, as the allegations of delinquency and derogatory remarks against me are untrue, and I am prepared to vigorously contest them. The accuracy of my credit report is paramount, and the mentioned allegations do not meet federal or state reporting requirements. 

I contest these claims due to their failure to comply with basic reporting standards, which undermines my confidence in the information presented. It is imperative that you adhere to the obligation of maintaining and reporting data with absolute accuracy and compliance. Reporting claims that do not meet regulatory standards is prohibited, and it is essential to ensure that all information is accurately and correctly reported, as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2.

I request substantiating evidence that justifies the negative status of my accounts. Any inquiry or account in my report must have a permissible purpose, and I expect this to be clearly demonstrated. This letter serves as a formal notice of your failure to fulfill your responsibilities. If this matter is not promptly addressed within the next 30 days from the date of delivery, there may be severe consequences. I trust that you will rectify the inaccuracies without the need for further intervention or escalation.

Additionally, I request physical proof of your actions and an updated credit report reflecting accurate and verified information. The claims listed in my current report appear to be inaccurate, and I insist on receiving correct and verified information promptly.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 this letter to you regarding account number XXXX and XXXX from XXXX XXXX. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.

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 2023-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Had a account with bank of America they were committing fraud on my account despite there numerous attempts they were unsisesfu in 2022 I notice a big amount in the negative on my account I immediately called the bank and I closed the account and asked them to do a claim. Recently I noticed was in collection because of this the banker did NOT file a claim witch lead me to collections I was put on a check watch list an affected my credit score. Bank refuses 2 do anything about it won't give me I formation or let me speak to a supervisor

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