BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to 15 USC 1681A ( 2 ) Exclusions, -Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; These Accounts have violated my rights According to 15 USC 1681A : ( 1 ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENTS, are considered transactions. 
Therefore, all late payments should not show on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: Diversified Adjustment Service, Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Diversified Adjustment Original Creditor XXXX XXXX XXXX Alleged date opened XX/XX/XXXX Original balance {$1100.00} Payment {$1100.00} Paid on XX/XX/XXXX Closing balance {$0.00} Upon contacting Diversified Adjustment and requesting a settlement payment I was told that they would only accept a full payment. I was PROMISED a " courtesy delete '' with my full payment and was told the deletion of the account on my credit reports would take 30-60 days to update. The timeline passed and I contacted Diversified Adjustment and they said to give it more time to update. The account never updated and they never completed the " courtesy delete '' as promised. I have been disputing this account since around XXXX or XXXX of XXXX. There is also missing historical information in the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
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. 
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

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 2023-08-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct XXXX XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court 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 explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before XXXX days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: BROKER SOLUTIONS, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX we were told we were approved by XXXX XXXX at XXXX XXXX XXXX for a investment mortgage on specific terms ( 10 % down 3 months of reserves ). Me and my wife understood and were able to meet these terms same day we go under contract for a property. 

We submitted all the documentation requested such as pay stubs, tax forms etc. 

May 3, 15 days before closing. After a lengthy contract back and forth and the earnest money period, home inspection ( {$260.00} ) completed as well as a 2 5 day extension periods in which we could have withdrawn and retaining our earnest money ( {$2500.00} ) XXXX XXXX XXXX decides to raise the terms ( increasing a down payment requirement to 20 % ) -unbeknownst to us, in which makes obtaining the mortgage unobtainable. This is after XXXX XXXX XXXX  has received all our documents which would show we would not be able to meet these terms. 

XXXX XXXX XXXX acted in bad faith to myself, agents and sellers involved as if it was not for their initial direction of approval my family wouldnt be out the earnest money, cost to transferring funds, inspection costs. We would have never went under contract should they have been straight forward regarding their requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-11-08
Company: Experian Information Solutions 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:
Yes I have incorrect information reporting on my credit due to identity theft and fraud this has ruined my life and I will like for it to be removed. I spoken with several reps from XXXX about unauthorized and fraudulent collections on my consumer report. Under 15 USC 1681 ( a ) ( 3 ) XXXX assumed this role without permission nor my consent, also XXXX did not respect my rights to privacy which is under 15 USC 1 [ ... ]

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 2023-12-02
Company: EQUIFAX, INC.
State: LA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The bank will not allow me to have any access to -- or even discuss -- my late wife 's checking account, even though I presented valid Power of Attorney forms, Death Certificates, Social Security cards, my NY State Driver 's License, and other forms of authority and identification. 

I contacted : XXXX XXXX, Manager, Customer Relations HSBC Bank USA, NA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My request was rebuffed. The account number in question is : XXXX I would greatly appreciate your assistance in resolving this matter. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX 's checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent the attached letter to XXXX XXXX. I also called to try to resolve the issue. When COVID-19 forced the closing of my employer in XXXX of XXXX, I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. She said that, for three months, no late information would be reported on the card. I then called XXXX XXXX XXXX to set up this account with a payment plan. XXXX XXXX refused to work with XXXX despite their attempts to pay the bill, despite what they told me over the phone. Attached is documentation that 1 ) shows the late payments on my credit report, 2 ) shows my employer was closed, 3 ) shows I acted within the bounds of the CARES Act during COVID-19 by calling and with XXXX calling XXXX and XXXX ) shows payments which were not applied to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 non-monetary relief
Consumer complaint received 2022-10-08
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Good morning, I will put you in situation so that you can see the seriousness of the acts of Wise US Inc. and XXXX XXXX, as well as the acts of their employees regarding this case. 

Wise XXXX XXXX closed on XX/XX/2022 my company account ( XXXX XXXX XXXX XXXX ) without any reason and left me without money to be able to eat or have accommodation while I was traveling in XXXX, XXXX. 

I had to sleep several days in the street and I could not eat on several occasions for lack of money because Wise had blocked the access to my money and they did not offer me any solution until several weeks later. 

I was able to survive thanks to my family because they sent me money and I had to ask for medical assistance for XXXX XXXX XXXX XXXX and go to the Spanish embassy in XXXX for help and support, in addition to denouncing what had happened to me. 

Today it is XX/XX/2022 and I have STILL NOT RECEIVED THE MONEY FROM MY COMPANY ACCOUNT XXXX XXXX XXXX XXXX. This money corresponds to a sum of XXXX USD ( all my life savings and all the money I HAVE ). 

I am still waiting for a TOTAL OF 31 days to receive the remaining money from my XXXX XXXX XXXX XXXX account, which Wise XXXX XXXX XXXXold me they will sent to my company account in XXXX on XX/XX/2022. 

This transfer, which Wise XXXX XXXX told me was made, was made on XX/XX/2022 to my company bank account XXXX XXXX XXXX XXXX in XXXX XXXX, but after talking for several days with XXXX XXXX, the transfer does not appear in their systems or this is what they told me. 

So I'm still waiting for 18 days to receive a transfer that Wise XXXX XXXX made to my own business XXXX XXXX account. 

I have also spoken with XXXX XXXX repeatedly by email and phone and they tell me that they have no record of this transfer in their systems and that they can not track the transfer. 

And NOW there is ANOTHER PROBLEM : Yesterday XXXX XXXX blocked and closed my company account, that same company account that was waiting for more thanXXXX days to receive the amount of XXXX USD from Wise XXXX XXXX  . 

XXXX XXXX closed my account for no apparent reason .... 

So the question here is : Where is my money then? Can you see that this is a really serious problem? 

And I want to repeat this again : who is going to pay for the damages caused to my company and person?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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

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 2022-12-22
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Imperial Recovery Consultants, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A number called me and left voicemails stating they were trying to contact me in regards to a parcel that could not be delivered. I called back today, XX/XX/23 and the lady states she was XXXX XXXX from IRC Services ( XXXX ) and that she was trying to contact me regarding an old payday loan with XXXX XXXX XXXX I stated that I paid off my debt in full with them and have the paid in full letter. I also stated that I contacted XXXX XXXX XXXX  after paying the debt collection company off and they stated I had no active accounts. XXXX XXXX told me that if I did not pay the amount today XX/XX/23 by XXXX I would get XXXX felony charges filed against me with XXXX XXXX. I again called XXXX XXXX XXXX  and spoke to their collections department who told me that it sounded like a scam and to request a debt validation letter. When calling IRC Services back requesting a debt validation letter XXXX stated that it would be too late to send XXXX and that charges would already be filed, she stated they sent XXXX to my email and home address in the past, which I did not receive anything from them. I then knew it had to be a scam. Very scary that they had my home address, email and name and threatened to file felony charges against me and that I would have to go in front of a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: HI
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:
This is with reference to my XXXX XXXX credit card with reference to last four digit card no :XXXX.i have send few letters and called also several time, with reference to the incorrect reporting about late payment for XX/XX/2018, At that time also I explained why it was not correct and when I contacted the member service for the payment, they advised that its not going to affect my scores and it was well within the pay period date. I also told by Customer service later that they have send communication to reverse when I contacted on XX/XX/2018.but nothing happened after that Also the check which i had sent for payment was never acknowledged which has created more of a problem, As result, I am facing consequence of the same and it is still showing on my credit history and this is very negatively effecting me and my current situation May I kindly ask you to please check and revert back, the in correct remark on my credit file and help clear the late reporting on XX/XX/2018

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
According to 15 USC 1681 ( a ) ( 1 ) : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. With this in mind, I have some concerns of codes being broken by XXXX, transunion. XXXX and TransUnion are reporting my transactional history of my credit card accounts with XXXX, XXXX XXXX, and XXXX XXXX. 15 USC 1681a ( d ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. A consumer report Does NOT contain information based solely as to transactions or experiences. My credit utilization and balances are 100 % transactional history and need to be removed from my consumer reports immediately.

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 2020-04-10
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX I opened a dispute with Citibank in regards to a purchase of {$1300.00} on a bicycle that was falsely advertised to fit an individual XXXX XXXX ''. I have submitted all requested documentation. A conditional credit was applied once, in early XXXX ( I'm not sure of the exact date. This conditional credit was reversed on XXXX XXXX and I was told that I could submit additional information to reevaluate the dispute. I submitted additional information on XXXX XXXX and was informed I would again receive my conditional credit within 2 days. As on XXXX XXXX I have still not received this conditional credit. I contacted Citibank on XXXX XXXX requesting the conditional credit but was informed the case had been closed. I have again contacted Citibank on XXXX XXXX and I am currently awaiting a response. As far as the dispute I just wish to return the item to the seller for a full refund. The item was not as advertised. The seller agreed to a return but at my expense. I do not agree that I should be held responsible for any expenses due to the merchants blatant mis-advertising. This would cost me between {$220.00} and {$430.00}! 30 % of the original purchase price. The dispute is pretty cut and dry but Citibank seems to be dragging the process out. Additional and full details in attached PDF.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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