BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 filed a dispute to remove the inaccurate information about bankruptcy chapter XXXX and dismissed bankruptcy on my personal credit. I had sent a copy of the Bankruptcy XXXX XXXX XXXX New Jersey stating they do not report to the credit bureau. In addition, do not authorize any third party to convey information to the credit bureau. I had requested the bankruptcy information be removed from my personal credit report. The credit bureau had failed to remove the information that was not reported by the Bankruptcy XXXX XXXX XXXX New Jersey.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: WI
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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
Company: Experian Information Solutions Inc.
State: NE
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-21
Company: Santander Consumer USA Holdings Inc.
State: NE
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:
The leased vehicle was traded in and XXXX has confirmed that it is paid off however they refuse to update all XXXX of my bureaus to reflect a zero balance and a zero payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15
Company: Experian Information Solutions Inc.
State: FL
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-03-31
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
RE : Caliber Home Loans - My mortgage was in arrears. For that and other financial issues I filed XXXX XXXX Bankruptcy. I successfully completed the 5 year payback and an Order of Discharge was issued by the court in XX/XX/XXXX. I recently tried to refinance my home through XXXX Mortgage with the VA funding the loan. Everything went fine until the VA asked for an explanation of the Deferred Principal amount. The XXXX broker advised that there had to be a loan modification agreement or Forbearance. Both he and I searched the County Court Official Records, bankruptcy Court records and could find no such agreement. I called my bankruptcy attorney who stated that there was never a loan modification done during the pendency of the bankruptcy. He also advised that if there had been Federal law states that both parties would have to agree and the bankruptcy Court would have to approve any such modification. Again there is no such Order in the Court file. After the Discharge was issued I got rid of all the old mortgage statements however when this issue came up I searched my files and did find a mortgage statement dated XX/XX/XXXX and at the time there was no deferred principal listed. The amount was just listed as Outstanding Principal. That was just 90 days before I filed bankruptcy and in fact had already retained legal counsel by then. XXXX XXXX took over the servicing of the loan in XX/XX/XXXX and at that time a deferral principal amount was showing on Caliber 's mortgage statements. A representative from XXXX XXXX  stated they had a copy of a Caliber Mortgage statement dated XX/XX/XXXX and it was showing then so sometime between XX/XX/XXXX and XX/XX/XXXX it somehow was showing deferred principal. Both the XXXX broker and myself have been on the phone with Caliber Mortgage on two separate occasions. Each time the first person we spoke with stated they could find no such modification agreement. We were put on hold each time to be transferred to someone else and each time the phone went dead. I have since requested in writing via email that Caliber furnish me with any documents relating to the loan modification and they have not responded at all. XXXX Mortgage states this is the only issue holding up being able to close on this loan. I don't understand why they just won't produce this documentation. I can't refinance I would imagine I am going to have a problem selling if this same issue comes up. Please help me get the documentation for this loan modification as the VA and XXXX Mortgage states that it has to exist. Did Caliber do something unethical or even illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
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 good faith, I have been attempting to correct my consumer report. I have tried on several occasions to address the incorrect reporting on my consumer report with Experian. Experian has validated the following accounts on my consumer report as accurate, Experian has failing to prove that these accounts are accurate and verifiable, as these same accounts all show inaccuracies across all 3 credit reporting agencies. 

The inaccurate and unverifiable accounts are as follows XXXX XXXX XXXX XXXX XXXX  [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXXXXXX [ Never provided proof of verification ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXX XXXX XXXX  [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXX XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXXXXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX  : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXXXXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] National Credit Adjust : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXX XXXXXXXX [ Date Opened, and Last Active is inconsistent across XXXX reporting agencies ] XXXX XXXX XXXX XXXXXXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] According to this law below, inaccurate or unverifiable information should be deleted from my consumer report : 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-04-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, i received correspondence from Complete Payment Recovery Services , Inc. in regards to a debt owed for {$1000.00} stating is being reported in a national check verification database. Client is XXXX. States check # XXXX, Between XX/XX/XXXX,, XXXX  and today. 

Please note this a form of Identity Theft, i was notified by XXXX  XXXX XXXX in the XXXX week of XXXX about possible fraud on my credit cards and accounts, as such, i had to close my checking, savings account and two credit cards i had with XXXX  XXXX XXXX. 

I can be reached at XXXX XXXX XXXX my home land line. and by cell XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA 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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX has violated my rights. 

1

5 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 1692C Without the prior consent of the consumer given directly to the debt collector or the ex
press permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-12-15
Company: Early Warning Services, LLC
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I was a victim of an impersonation scam in the amount of {$500.00}. I was selling furniture online when this person offered to buy. All was well until payment time, because I received an email saying they sent the money but it was unavailable, and to get my {$500.00}, the other person has to send another {$500.00} to equate to {$1000.00}, and I would have to send {$500.00} to verify this. I don't often use XXXX  so I was unfamiliar with the officiaXXXX XXXX email and had assumed this was legit. Upon realizing what happened I called on the same day my bank, XXXX, and XXXX but neither company did anything as they both told me accountability was on the other party to handle on my behalf. My dispute wasnt filed until 3 days later, by then XXXX had given the money to the scammer and likely the scammer had deposited the funds in their bank account, as even the scammer 's bank refused to refund me, despite that I have disputed this 3 times with documentation. Each time there has been a refusal of any of these financial institutions to find restitution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 2023-09-15
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I cant get anywhere Im being cyber terrorized and I cant get anywhere. I need help getting this identity theft under control. My entire life has been defrauded. Mail, phone, credit and other financial services are all gone.

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 monetary relief
Consumer complaint received 2023-03-31
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone called Citibank on XX/XX/23 at XXXXXXXX XXXX and got themselves added as another person on my and my husband 's joint account ( 30 years with the account ). They were able to get Citi to give them an ATM, open a new account, transfer all my savings and then go to a teller and withdraw {$10000.00} my money without even an email notification at XXXXXXXX XXXX on XX/XX/23, teller # XXXX. I use my mobile app all the time to transfer funds and pay my credit card, etc. and ALWAYS get notifications. I have never shared my account information, passwords, login info, pin or ANYTHING with ANYONE. A total of {$36000.00} was taken from my account without notification of ANY KIND from Citibank. Upon reporting to Citibank 's fraud department, I was told there was another case just this week exactly like mine. Apparently Citibank has a security problem. They have said they will refund the money to me on a PROVISIONAL basis within 10 days, but I am worried. I have a college student in my household who needs my financial assistance. Citibank needs to make this right and protect my money, security and interests.

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