BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-13
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:
On XX/XX/XXXX I disputed and required Transunion to provide verification of the amount of {$12000.00} from XXXX XXXX XXXX that Transunion assumed I owed. I also required Transunion to provide factual proof that the inquires on my consumer report were authorized by me. ( XXXX  XXXX ) ( XXXX XXXX ) I received Transunion response on XX/XX/XXXX, accounts came back verified, and inquires also came back verified without the requirements I requested. 

On XX/XX/XXXX I followed up with a dispute and required Transunion to provide verification of the amount of {$12000.00} from XXXX XXXX XXXX that Transunion claimed they verified. I also required Transunion to provide factual proof that the inquires on my consumer report were authorized by me again. ( XXXX XXXXXXXX ) ( XXXX XXXX ) I received a response on XX/XX/XXXX, but Transunion response failed to provide what I required once again. 

On XX/XX/XXXX I followed up with a no response letter to Transunion, that they shall delete the unverifiable and unconfirmed items on my consumer report. 

Transunion failed to provide information about the accounts disputed. Transunion failed to respond to any of my letters or request. 

On XX/XX/XXXX I mailed Transunion to make them aware of the non-compliance of laws they were violating. 

On XX/XX/XXXX I requested for investigative consumer report procedures. 

On XX/XX/XXXX Transunion failed to respond to what I required them to provide. 

On XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I also Required Transunion to comply with the Fair Credit reporting Act and Transunion failed to comply with Federal Law. 

Transunion Never had any permissible purposes Pursuant to 15 USC 1681b ( 2 ) to report any of this information that was on my report. Which means Identity Fraud.

Transunion are non-Compliant with the compliance procedures pursuant to 15 USC 1681e ( a ) ( b ).

Transunion violated 15 USC 1681n ( 1 ) ( A ) ( B ) Liability for willful noncompliance.

Transunion violated 15 USC 1681o ( a ) ( 1 ) for negligent noncompliance Transunion deleted the unverifiable and unconfirmed accounts and inquiries on XX/XX/XXXX, after a whole XXXX year of non-compliance, Unacceptable and life-threatening harm Transunion caused me and my family for almost a complete year. I've been unable to purchase a vehicle for my personal living mode, and that XXXX me and my family. I've been unable to use my credit because of these XXXX reports that violated me as a consumer and a natural person of the land.

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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a letter back from CFBP today. Saying you heard from Key Bank and that they told you they are working on the issue. No they are not, I have gotten the same response from them for the last 3 months. So now I have to wait another 60 days for Key Bank to do nothing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: REGIONS FINANCIAL CORPORATION
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:
REGIONS BANK # XXXX The balance is correct with this account. I called and Regions Bank and they admitted they did not report the information to the credit agencies. They balance should reflect {$4300.00}. Please correct ASAP!

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 2021-06-22
Company: Experian Information Solutions 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:
I have repeatedly asked all 3 bureaus to remove these unauthorized inquiries, XXXX  claims that they were not reporting but as I view my credit reports they are still reporting. There is 0 proof that I authorized any of these inquiries, the burden of proof lies on the bureaus, I demand that these bureaus remove these unauthorized inquires immediately! There are no accounts attached to any of the inquiries that are listed below ... 

XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX/XXXX  XXXX XX/XX/2020 XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020

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 2022-01-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Loan provider contacted me in XXXX to inquire if I would like to defer payment to which I did. They explained the deferred amount would be made at end of loan by making the term length longer per how many months are deferred. On XX/XX/XXXX they, with permission or my knowledge attempted to withdrawal the balance of the account that caused me fees and other hassles due my account did not have such a large amount in it. 

I contacted them and they denied how the end amount was to be handled but tried to withdraw again thus I had to put stop payments on the creditor. I contacted and was going to make payments by phone since there site only allowed for auto payments with access to my account. Since they could not be trusted I was stuck. They offered to allow me a 3 month deferment again but my payments made for the agreed amount were being stopped even though they should not have been. 

Now the creditor has filed a late payment on my credit causing great harm to it and refuse to cooperate in allowing me to make payments without giving them access to my account. 

I made payment for that was stated late and made stop payment again with a another account. I am at a loss of how to remedy this situation with Lightstream.

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 2021-06-22
Company: JPMORGAN CHASE & CO.
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called PNC branch in XXXX, NJ to lock my HELOC and was quoted 5.54 %. I was advised I would need to sign a document and never received it. We assumed that the rate was locked since the call was on a recorded line and the quote was provided per fed regulations. XX/XX/XXXX we saw that the rate had jumped and our statement showed the rate had not been locked as agreed. We called the branch who told us that she was not able to assist us and transferred our case to a customer service representative. He told me that because we didn't pay the {$100.00} fee that PNC charges and didn't sign the document ( we never received ), that the lock was not placed and therefore we would need to pay the higher rate. To date, our rate is 2 points HIGHER than the rate we were quoted on XX/XX/XXXX and still climbing. To date, we have still NOT received the document needed NOR the {$100.00} fee applied by the bank. We just want the rate we were quoted to be honored. We placed it on a recorded line with the branch manager. She gave us the rate quote and the terms of the rate as required by lending guidelines. However, after that the rate was not locked and is now costing us HUNDREDS of dollars in excess costs as they have not resolved this and keep stating that it's our fault. 

They explained the fee and the form that needed to be signed are only a PNC overlay and not an industry standard. We feel that their delaying of locking and resolving the issue is predatory and would like assistance to get our rate locked at the disclosed and quoted fixed rate of 5.54 %. As of today, we are Still not resolved. We have made several calls to PNC and are " escalated ''. We have not missed any payments and they have an automatic draft for the payments to come out. This is not fair to consumers and the overlay they have should NOT prevent a rate lock from occurring when it's recorded and quoted and in the file that we requested the lock appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX, I spoke to a representative named XXXX at Mr. Cooper who assisted me with starting an application for a refinance of my home. XXXX informed me that my credit would not be affected by this application however, he processed it incorrectly and it did affect my credit. When I noticed it did, I asked XXXX if a manager would assist me. The manager XXXX informed me that it would be removed. He informed me that XXXX was new and incompetent and that he would assist me. In XXXX of XXXX, I spoke with XXXX who was very assertive and claimed he would make sure it was removed from my credit report however, nothing happened. XXXX was very abrasive and very short over the phone. I contacted him several time by phone however he never responded. From XX/XX/XXXX to XX/XX/XXXX of XXXX ( I have emails ), I spoke with XXXX via email who asked for much of my information as if he was assisting me with removing the inquiry. XXXX did not help me in removing the inquiry. As of today, this inquiry is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 2022-05-03
Company: Experian Information Solutions 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:
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 XXXXhas 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: STERLING JEWELERS, 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:
This is a formal complaint against XXXX XXXX And Jewelry located in XXXX, OR. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX And Jewelry has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX is without identifying the account they are collecting for is attempting to collect on an account since XX/XX/2021. 
before XX/XX/2021 XXXX XXXX fraud dept said I was not responsible for this account and said they instructed the big 3 and XXXX credit bureaus to remove this account from their files ... i disputed this account, providing the attached proof to experian and nothing was done but a false verification. 
and today experian will not allow dispute or upload of the information attached here. 

( SEE ATTACHMENTS )

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 2022-01-19
Company: DISCOVER BANK
State: NY
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:
Discover FIN SVCS LLC reporting under account # XXXX is a up to date current closed account that was paid in full that wasn't a charge-off. It has come to my attention that in 2017 for the months of XXXX, XXXX, XXXX and XXXX they have marked across all 3 bureaus XXXX, XXXX and XXXX 30 day, 60 day, 90 day and 30 day late payments respectively when this is inaccurate and incorrect. I have made all payments on these accounts on time and have never been late once. I am in the process of going for an apartment and due to these late payments they have severely impacted my credit where I can not qualify for an apartment because my credit is shot due to this. I need this account updated with the right correct payment history as current and up to date on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NY
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 appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-26
Company: EQUIFAX, 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:
Greetings, In accordance with FCRA my rights has been violated. Please see attached identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
. I am writing to dispute and address the inclusion of incorrect information in my credit report, which I have previously contacted Experian about on multiple occasions. Furthermore, I have reason to believe that Experian has violated my rights under the Fair Credit Reporting Act ( FCRA ) in handling this matter.

Additionally, I am concerned that Experians handling of my dispute may have violated my rights as a consumer under the FCRA. I believe that Experian has failed to conduct a reasonable investigation into my dispute and has neglected its responsibility to ensure the accuracy of the information it reports. These alleged violations not only undermine my confidence in Experians commitment to protecting consumer rights but also have significant implications for my financial well-being and future opportunities.

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 2022-01-19
Company: United Collection Bureau, Inc.
State: LA
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:
Incorrect information on my credit report Sub-issue : Information belongs to someone else date opened : XX/XX/2021 total amount : {$210.00} cahrgeoff date/collectionsXXXX

Company response to consumer: Closed with explanation