BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from 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 non-monetary relief
Consumer complaint received 2023-05-02
Company: SinglePoint GI
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  tried to get cash from me for the last class I took with them in winter of XXXX. I am a financial aid student and the DOE was funding my classes. When I reminded them that they get my funding from DOE, they sent my class amount as a past due charge as a deorogratory collection to a collection agency, General Revenue XXXX of XXXX. I contacted General Revenue several times by phone and submitted my documents on file for the investigation ; which I have saved. 
I have reached out to DOE and my servicer provider to help support me in having this collection taking off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX Account number : XXXX XXXX  Date opened : XXXX XXXX Account mame : difice of the attorney General Account number : XXXX XXXX  Date opened : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XXXX XXXX Date opened : XXXX XXXX Account name : XXXX XXXX XXXX Account number : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.

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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 : XXXX 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 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 2023-05-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX my credit report shows 1 unauthorized credit inquiry from Equifax mortgage company. Inquiry was provided in written letter to credit bureau along with proper identification and Identity theft report, as requested. Since then I have made over three attempts to contact Equifax to remove inquiry from file, however, they have not done so. They have misplaced documents as well as not complied with the laws. According to the law by obtaining my Equifax consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). Please have inquiries removed from my credit file immediately, as it is in fact, an unauthorized and fraudulent inquiry. Please note, according to the FCRA ( Fair Credit Reporting Act ), legally these unverified and unauthorized accounts MUST be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days.

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 2023-05-02
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
1st Call - XXXX XXXX XXXX I got a text message saying a package was returned with a phone number to call, I called and spoke to " XXXX ''. She questioned whether I could tell when a text message was sent to me, she then proceeded to ignore me for about 60 seconds as I asked questions then come back talk over me, and ignore me for another 5 minutes, after that. 

2nd Call - XXXX XXXX XXXX Second I spoke to " XXXX '', who verified my information and then transferred me to " XXXX '' who was very rude, he decided I need to be verified again to put in a simple report against an agent. He then lied and said he didn't have any of my information. When I questioned that I had been verified by XXXX, literally standard procedure for your reps before transferring a call to a supervisor, and had entered my credit card number into your robo system he relented he lied and did have my info but wanted to verify me. So I told him I wasn't confident he was a Citi rep and that he should do an alternate verification method and asked him to text me a code to verify. He said " no '', we had to do it his way only, and that if I didn't he would hang up on me. I told him ok then hang up on me and I would write this report to the CFPB, OCC, FDIC, and Federal Reserve, and he said thank you for giving me permission to hang up on you and then he did. 

3rd Call - XXXXXXXX XXXX XXXX XXXX Then I called again and spoke to " XXXX '' who verified me, and when I asked for a supervisor she literally just hung up on me, no warning, no talking literally just ended the call as soon as I mentioned CFPB, FDIC, Federal Reserve, and OCC 4th Call - XXXX XXXX XXXX XXXXXXXX XXXX I called " XXXX ''??? who refused to identify herself, this is the 4th agent who has made it impossible to get anything done by my financial institution... She had people talking loudly in the background and told me my phone was the problem, the one I had just spoken to 3 other agents on. I proceeded to explain to her the situation and for her to just give me her name and let me talk to a supervisor and she started on some nonsense to avoid giving her name. 


Call # 5 I can not receive FedEx packages, in the interest of my best financial benefits, it is Citi and Citi Banks Fiduciary Duty to note to never send me XXXX packages as they WILL NOT be received, and the evidence of this is the returned package that has had me spending XXXX minutes on the phone with your agents and seems to be yet still unresolved.

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 2023-02-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I filed a dispute with BOA made a complaint here, I received an obscure email asking me to call I called and was navigated to a strange voicemail box, no identifying information. I see patients in appointments all day and am not available to answer my phone at BOAs discretion. Their customer service is shady. They made no allowance for me to upload documents documenting my dispute in their banking app. Im the customer and I believe that a {$500.00} hair service that ruined my hair for years is worthy of disputing. I will include BOA in my small claims actions just for their shady banking practices

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 pulled my credit report and found I have several not even several lots of inquiries on my account that I never authorized. I have XXXX XXXX  on XX/XX/XXXX several XXXX  for XXXX. Theres one two on XX/XX/XXXX there not authorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  three of those on XX/XX/XXXX XXXX XX/XX/XXXX some that are XXXX XX/XX/XXXX global I got preapproved to buy a car from XXXX  XXXX. I went to the dealership and with my preapproved letter and now Im seeing several Auto inquiries on my account, which I never authorized, and I mean there are, not just a couple I mean lots of inquiries from auto dealerships and after pulling my credit I had bought a car a year over year previously and I also had a preapproved letter from XXXX  XXXX and I see that they did the same thing at that time I have probably like XXXX inquiries on my account Where they know where I was trying to do a credit card and I did authorize you know for them to pull my credit and one time is what I was you know authorizing and I see where they pulled it like three times when I authorized one time and I have like hundreds of these on my credit report And Im being denied credit because of all of these. I did have incorrect addresses on my report that I have been trying to get corrected. I contacted several of the companies and they said if they are in there then I requested it.

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 2023-05-02
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX contacted me on XX/XX/XXXX stating I have a complaint going to court for a hearing on a debt for GE Capital a company that is now Synchrony Bank. They could not give me the full account number or what type of debt it was. Stated I owed and can make a payment plan with them. When I asked more questions my answers became " we just give courtesy calls we don't know anymore information ''. When I asked for the creditors information all I got was the name. I explained I don't owe any debts as I graduated a debt consolidation program. All I wanted was more information on the debt but they refused stating I will get a certified letter for court if court happened. Company has several scam reports online and with XXXX XXXX XXXX and XXXX XXXX were my points of contact their. XXXX misspoke several times on a recorded line and XXXX states they only collect creditor names and balances and call people considering she had no more information than that to give. This company needs to be reviewed for scamming and harassment XXXX stated they have been trying to reach me since 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 2023-11-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I trust this letter finds you well. I am writing to bring to your attention the matter of certain accounts associated with my credit profile, which I believe have exceeded the permissible reporting time limit as stipulated by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, Section 605 ( a ) ( 4 ), the maximum period for which certain negative information can be reported on a consumer 's credit report is seven years. This provision specifically refers to adverse items such as late payments, charge-offs, and collections. I have recently obtained a copy of my credit report and noticed that the aforementioned accounts have exceeded the statutory reporting period.

Furthermore, I would like to draw your attention to the legal consequences of willful and knowing violations of the FCRA, as outlined in 15 U.S. Code 1611. This section establishes criminal liability for individuals or entities that willfully and knowingly fail to comply with the FCRA 's XXXX. The penalties for such violations can include fines and imprisonment. 

XXXX. XXXXXXXX XXXX Account # XXXX or # XXXX or # XXXX Please delete or seek litigation XXXX. XXXX XXXX XXXX XXXX Account # XXXX or Account # XXXX Please delete or seek litigation XXXX. XXXX XXXX XXXX Account # XXXX Please delete or seek litigation In support of my position, I would like to reference the legal precedent set in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). This case serves as an illustrative example of the legal consequences that credit reporting agencies may face if they continue to report information beyond the permissible time limit.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-11-22
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX has a credit inquiry from me which was not authorized This shows as a hard inquiry on my credit report and I'm requesting it be removed..

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 2023-12-06
Company: EQUIFAX, INC.
State: DC
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:
This is a recent credit inquiry that was popped up on my report for Equifax. 

This is not my inquiry and I never applied for any loans or lines of credit with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I called Flagstar bank informing them that they were modifying my escrow in violation of 1024.17 ( c ) ( 1 ) ( ii ). None of my escrow debts have increased and yet they are forecasting that I will be below my {$350.00} minimum cushion and therefore I must pay an additional {$310.00} to stay at or above the 1/6th estimate of my escrow account. I called them and attempted to inform them that the my Escrow should have {$1400.00} annually as my insurance is paid straight from my checking and they maintained that they pay it - yet could not provide me with accurate insurance information.

The representative then told me It's my fault and I needed to rectify the situation and then would not listen to my explanation of the fix. And instead kept reading that they could not allow my account to go BELOW 1/6th of the estimated annual payment.

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 2023-05-02
Company: The Bureaus, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I believe that the information related to this account is inaccurate and I am requesting an investigation pursuant to FCRA sections 607, 611, and 616. I request that you provide sufficient documentation to verify the accuracy of this account, including a copy of the original contract with my signature, billing statements, or other documentation. Pursuant to FCRA section 611 ( a ) ( 1 ) ( A ), I also request that you forward a copy of the dispute and supporting documents to the credit reporting agency that is reporting this account.

Company response to consumer: Closed with explanation