BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am a natural person and have rights under 15 USC 1681. As a living human being, I would like to file a formal complaint against the consumer reporting agencies for violating my rights and the Fair Credit Reporting Act. The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and I demand that they be deleted immediately. I did not provide permission for the consumer reporting agencies to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The consumer reporting agencies are governed by 15 USC 1681 and have violated my rights on several occasions. I have the right to privacy under 15 U.S.C 1681 section 602 A. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making a consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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. 

I have identified multiple billing errors under 15 U.S. Code 1666 ( b ) billing error that the consumer reporting agencies have failed to address. These errors include the creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor, as well as a computation

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 2022-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Hello, I have had my mortgage since XXXX. In that time it has been transferred a few times to other mortgage servicers with no issue. I was notified on XX/XX/XXXX. XXXX that my mortgage company XXXX XXXXXXXX XXXX would be transferring my mortgage to XXXX and would be subserviced by XXXX XXXX XXXX XXXX beginning XX/XX/XXXX. The transfer happened and I began being serviced by XXXX XXXX XXXX XXXX During the time of transfer I was on a Covid forbearance and I am still on a forbearance plan until XXXX of XXXX with my new servicer. I received a message two days ago from XXXX XXXX advising that my credit score was decreasing and there was a new inquiry. I have noticed since the transfer that my credit score has continually decreased and I could not figure out why. I checked XXXX XXXX and it shows that I have two mortgages. One with XXXX XXXXXXXX XXXX and one with XXXX XXXX XXXX XXXX  with balances of almost XXXX XXXX dollars. This is completely incorrect. I have one mortgage and because there are two showing up it has destroyed my credit score. My Fico score was at close to XXXX and is now showing on Transunion as XXXX and XXXX is showing XXXX which is very disconcerting to me. I work very hard to pay all of bills on time and this is ruining what I have worked so hard for. I want this corrected and for my credit to show that I have one mortgage.

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 2019-01-27
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I asked that my PMI be dropped. I even opened a case with their escalations department. All they are willing to do for me is appraise the house so that I can manually remove PMI. My loan was at 78 % in XX/XX/2018. It should have automatically fell off then. I dont feel like I should have to pay {$450.00} for an appraisal, I feel like they owe me {$450.00} in back PMI payments. 
My account is with Suntrust bank. Loan was for XXXX purchase price. It is at XXXX now. I'm still paying $ XXXX/m for PMI.

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 2021-08-12
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX 2021, at XXXX XXXX  PST, a warning alert regarding the chassis issue of XXXX Bmw XXXX came on the dashboard. Call promptly made to XXXX XXXX BMW service center around XXXX XXXX  in XXXX XXXX, CA, but service center was not open. Appointment made for XX/XX/XXXX, Monday for service drop off and the vehicle was dropped off then and a temporary loaner XXXX BMW  XXXX loaner was provided. On XX/XX/XXXX, service advisor informed owner that the car will undergo long term repair since the entire car computer ( DME ) will be replaced ( essentially a pin in the DME was bent, causing electrical shortage and the car was defective since start of lease in late XXXX ) ; it will take at least 15-20 business days since the part is backordered and imported from XXXX. On XX/XX/XXXX, owner requested alternative loaner car since now the repair is long term and asked for an equivalent car in value, especially since lease payment is on a higher priced vehicle. Service advisor stated only have Bmw XXXX and XXXX in stock and they have no control over XXXX XXXX XXXX inventory for loaners. Owner asked for adjustment to lease payment to reflect the actual vehicle used and provided. Service advisor suggested to contact BMW North America. Owner called XXXX BMW Customer Relations on XX/XX/XXXX and XXXX, a representative said this will be forwarded to the Escalation team who will contact the Service Department regarding the car history and response will be one business day. Owner called BMW Customer Relations on XXXX ( XXXX  ) and XXXX ( XXXX ), and there were no updates provided. BMW Customer Relations also could not provide any email confirmation or any written trail

that there were any follow-ups performed by BMW North America.

BMW of North America, LLC XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Customer Relations XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$5900.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX 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 2022-12-22
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or missing disclosures

Complaint:
Chrysler XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Refund of unearned interest on Account XXXX It has been brought to my attention that refinancing, consolidation or restructuring of a consumer credit transaction the creditor shall promptly refund any unearned portion of the interest charge to the consumer. 

The creditor shall compute the refund based on the method which is at least as favorable to the consumer and by law it is the actuarial method. The actuarial method allocating payments made on a debt between the amount financed and the finance charge pursuant to which a payment is applied XXXX to the accumulated finance charge and any remainder is subtracted from, or any deficiency is added to, the unpaid balance of the amount financed. 

Upon receiving this written request, before the end of the XXXX XXXX period beginning on the date you received from the consumer this written request, the creditor or assignee shall provide me the disclosure of the amount due on any precomputed consumer credit account. Please provide me the statement of the amount necessary to prepay the account in full. I am aware that the amount you will disclosed includes an amount which is required to be refunded with respect to such prepayment, the amount of such refund. 

I am aware that the written statement is required considering that I am have made this request in writing. 

It is noted that I, the consumer, shall be entitled to XXXX free annual statement each XXXX without charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Trans union is allowing old accounts like XXXX XXXX report a closed account past due for 30 days I paid it off in full in XXXX there allowing XXXX XXXX  and other accounts included in my bankruptcy to report XXXX and transunion and XXXX refuses to delete a name and addresses that does not belong to me I have already sent a letter with showing my id bank statement and ssc still have misinformation on reports I have a lot of accounts included in bankruptcy still reporting they are allowing inquiries on my credit that I have disputed like 40 inquiries and they still allow the inquiry to stay on all reports

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 2022-05-05
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This has been an on going issue. My identity had been stolen in fact, my tax returns from the early 2000 era started paying someone elses college loan by offsets for XXXX yrs that were a college called : Indiana XXXX XXXX. I never had any affiliations or attended that school but yet I paid for whomever ( The Department Of Education allowed my social security to be used to pay for their Theft of my Tax Returns through Several Collection agencies that basically revolved the money and stole the funds because I paid for Ten years of long hardships because of the theft going on! I tried reporting to the FBI web page over the years but nothing ever got resolved so I am still recovering the identity fraud in my personal life now still trying to find a resolution to the theft that is hurting my financial and personal life. I have never used governmental funds I work for a living. I am not on social media like XXXX or etc and I have or never have been in the XXXX! I am a woman and I am USA Citizen by Birth! My Name is really XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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/2020 Portfolio Recovery Associates illegally put on my credit report a debt that I do not owe them nor the original creditor. I was never notified that they brought a debt that was already deleted years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-22
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Hello, I have had my mortgage since XXXX. In that time it has been transferred a few times to other mortgage servicers with no issue. I was notified on XX/XX/XXXX. XXXX that my mortgage company XXXX XXXXXXXX XXXX  would be transferring my mortgage to XXXX and would be subserviced by XXXX XXXX XXXX XXXX beginning XX/XX/XXXX. The transfer happened and I began being serviced by XXXX XXXX XXXX XXXX. During the time of transfer I was on a Covid forbearance and I am still on a forbearance plan until XXXX of XXXX with my new servicer. I received a message XXXX days ago from XXXX XXXX advising that my credit score was decreasing and there was a new inquiry. I have noticed since the transfer that my credit score has continually decreased and I could not figure out why. I checked XXXX XXXX and it shows that I have XXXX mortgages. One with XXXX XXXX XXXX  and XXXX with XXXX XXXX XXXX XXXX with balances of almost XXXX XXXX dollars. This is completely incorrect. I have XXXX mortgage and because there are XXXX showing up it has destroyed my credit score. My Fico score was at close to XXXX and is now showing on XXXX as XXXX and Equifax is showing XXXX which is very disconcerting to me. I work very hard to pay all of bills on time and this is ruining what I have worked so hard for. I want this corrected and for my credit to show that I have XXXX mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: GA
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:
My information was involved in the Equifax Breach and I found a lot of things on my account that was not accurate / I disputed the accounts and they were deleted from one of the credit bureaus only / I noticed that the information was still on my credit report and sent documentation to all 3 bureaus again and the other 2 remaining credit bureaus will not remove them from my credit report and me and my husband is attempting to purchase a home and we can not due to the errors on my credit report. I would like for these items to be removed so I can move forward with my home and life here are the accounts that was removed and are still on my Equifax and XXXX  report All of these accounts were deleted from my credit report and i mailed it in to all 3 bureaus and no resolutions for none of them they are still showing on my credit report until this day XX/XX/2020. All of this documentation was from my XXXX  account and it's showing as if I am not credit worthy at all. I also wanted to inform that it is my right for most of the companies to be removed because the information on the reports are not the correct information as far as my personal information and also when I first acknowledged the information on my report the amounts that they stated someone had charged or spent is even different from credit report so that's why I know the accounts were fraudulent and needs to be removed and my next step is to hire a attorney if this can not be resolved because it has went on to long with no resolution and me and my fianc is attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
I disputed this XXXX XXXX XXXX account number XXXX on XXXX  The credit report of ( Credit Reporting Company ) shows these items were deleted from my credit file, Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA S 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ], Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuantto subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( a ), consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinserted date. ( I ) a statement that the disputed information has been reinserted ( 11 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy-or completeness of the disouted information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action Your agency may avoid such action by immediately deleting this listing 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