BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2022-05-30
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment or inquiry on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 called the department to verify the inaccuracies, and they sent me a letter saying it is accurate. When I did a thorough research myself, I found improper inaccuracies on the credit report even after they said they did a thorough research. 

Account Name : XXXX  Account # : XXXX In accordance with the fair credit act XXXX  account # XXXX, has validated my right. 
15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-08-18
Company: EQUIFAX, 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:
Ive filed a dispute to correct and remove an account thats more then 7 years old twice and it keeps getting denied. Its been 3 times already and Ive called them several times and the most recent time as of XXXX  Equifax is saying the account is not showing a date of last delinquency. I know the account itself is old and Ive reached out to XXXX and they told me theres nothing that they can do about it. If theyre denying the dispute then they have to know the date of last delinquency so Im not sure why this account from XXXX XXXX can not be deleted from my report. Ive tried several times and waited for months to end up constantly going in circles about this. I just would like this off of my credit report so I can continue to build and fix my credit. But this hinders me even though its old. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This company is reporting a hard inquiry that I did not do.

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 2022-05-30
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This account has been paid in full but still remains on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Collection company has closed the account and changed balance owed to XXXX. Credit report still shows a balance of {$410.00}.

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 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 interested in disputing all incorrect information on my transunion report. checking my file alot of information is invalid. this is hindering my file. please update the information listed to help fix 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 2020-09-11
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage loan was transferred from XXXX XXXX  servicer ( XXXX ) to new service provider named AmeriHome on XX/XX/2020 but principal loan amount waht new servicer ( AmeriHome ) showing into their system is higher compared to the principal amount it should be. 

As per payment history information I have copy from previous loan provider ( XXXX XXXX/XXXX  ) it's clearly said on XX/XX/2020 Loan Servicing Transferred with principal Amount of {$500000.00} where as on new Loan Servicer company ( AmeriHome ) keep saying and showing principal amount of {$500000.00}. 

I tried to spend few hours on multiple days with AmeriHome support people and send/provide the proof as document ( payment history from previous mortgage servier ) to them as well but they are just throwing me one department/person to other and not getting help at all into resolve this problem as of today XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Monterey Financial Services LLC
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XXXX XXXX offerred to let me finance my new insulin pump purchase handled by Monterrey Financial. When looking at the Monterrey Financials ' website today, I did a quick check to make sure that the organization was charging me the correct amount. In order to obtain this information, I logged into the company 's website. The website shows my name and account number, and then has an option to look at the payment history. 

In the screenshot attached, Monterrey shows that as of XX/XX/19 I owed the company {$980.00}. It also details all of the account transactions since that date. Since then, I have made XXXX dollars in principal payments which is XXXX above the account balance. Today I called to inquire about this issue. When I spoke to their customer service, they told me that I still in fact owed an additional {$110.00}. 

As a consumer with a background in monitoring financial transactions, I fail to understand how Monterrey can be allowed to charge me more than the amount explicitly shown on their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: KY
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 account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX  Account # XXXX 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 explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I noticed some unknown, unrecognized and unauthorized inquiries on my TransUnion, XXXX and XXXX consumer reports. On XX/XX/XXXX & XXXX XXXX, I informed TransUnion, XXXX and XXXX of the unauthorized use ( 15 USC 1602p ) on my report. I required TransUnion, XXXX and XXXX to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that TransUnion, XXXX and XXXX are willingly and knowingly reporting false information on my consumer report. I required TransUnion, XXXX and XXXX to delete these items from my consumer report immediately. They are harmful and detrimental to my personal living mode as well as to my family. To date, TransUnion, XXXX and XXXX has yet to respond to the letter sent through the mail. I demand TransUnion, XXXX and XXXX to delete the unauthorized, unverifiable and unconfirmed inquiries on my consumer report. Refusing to delete these unauthorized inquiries without proof of authorized use will be a liability of willful noncompliance. Pursuant to section 616 ( a ) ( 1 ) ( A ( B ) of the Fair Credit Reporting Act. I demand that TransUnion, XXXX, and XXXX delete these inquiries from my consumer report or I shall seek monetary relief due to the harm and stress as a result of this false information TransUnion, XXXX and XXXX is reporting on my consumer report. TransUnion XXXX XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I require you to delete these unknown, unrecognized and unauthorized inquiries and update my consumer report, and send me an updated 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 explanation
Consumer complaint received 2022-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today XX/XX/2022 I went inside the branch located XXXX XXXX XXXX XXXX XXXX ca I made a deposit and requested to withdraw funds and was denied with the excuse I needed to have my cell phone to receive text messages I explain my phone is dead I presented my drivers license and still denied from accessing my funds. This is wrong and deserves to be investigated. The man who claimed to be Manger said they're is nothing he could do and walk away refused to help me and today is the day to pay my rent I think the guy wasn't trained properly or a 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 2019-08-02
Company: BMW Financial Services NA, LLC
State: OH
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 BMW FINANCIAL SERVICES/CREDIT gave me a hard inquiry. I have NO IDEA where this is coming from. ( picture attached below ) I do not own a BMW. I have not applied for a BMW. And to be straight up with you I have been in California since XX/XX/XXXX. So i have zero idea where this is coming from. 

Can you please make sure I do not get penalized for this and also get this hard inquiry taken off my report. 

AGAIN, I have not applied for anything with BMW and they DID NOT have my authorization to pull my credit. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX 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 2018-05-23
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: Their investigation did not fix an error on your report

Complaint:
I took over a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXXfrom my granddaughter. I co-signed on this loan and found that my granddaughter was not paying the loan properly. There were delinquent payments from her and finally no payments period. Before taking over the loan I contacted the credit union and had the reposes the vehicle, I also made arrangements to pay the remainder of the loan back over the next few years. Since XX/XX/XXXX I have paid back all of the remainder of {$10000.00} remaining on the loan except for approximately {$1200.00}. I have made payments as agreed since XX/XX/XXXXand will continue to make payments until the entire loan has been paid off. Recently TransUnion and XXXX   show this account voluntarily surrendered in XX/XX/XXXX not XX/XX/XXXX. I have filed complaints trying to get the information corrected but the companies will do nothing. Most recently when I filled a complaint with XXXX they added a second appearance of the same loan on my credit report and reduced my credit score by 104 points. I need help in getting this loan corrected and having this loan reported correctly in my credit file.

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 2021-06-08
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:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I have filed and completed a police report regarding these accounts and inquires. 

Fraudulent Accounts- 1. XXXX-original creditor XXXX XXXX- - Open date XX/XX/XXXX 2. XXXX XXXX- original creditor XXXX XXXX- - Open date- XX/XX/XXXX 3. XXXX XXXX -- Open date XX/XX/XXXX 4. XXXX- Open date- XX/XX/XXXX Fraudulent Inquires- 1XXXX XXXX- Inquiry date- XX/XX/XXXX 2. XXXXXXXX XXXX- Inquiry date- XXXX XXXX, XXXX 3. XXXX XXXX Inquiry date- XX/XX/XXXX 4. XXXX XXXX- inquiry date- XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX 7. XXXX XXXX XXXX-Inquiry date- XX/XX/XXXX 8. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 11. XXXX XXXX XXXXV- Inquiry date- XX/XX/XXXX XX/XX/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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-11-02
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: 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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Dear CFPB, I have been paying on my student loan for over 7 years. My balance does not go down it in fact continues to escalate higher. I have asked on an occasion for a full audit of my account and never received it. Last year my account balance was approximately {$47000.00}. Today, I looked online at my balance and it is now at {$49000.00}. At the this rate there is no way I will ever see this balance going down. The interest rate is approximately 6.25 % pretty high for paying back a student loan. I am paying approximately {$340.00} per month and have paid higher amounts. Having paid over {$28000.00} on a loan that had a did not have a balance higher than {$40000.00} and as of 2022 to still have a balance of {$49000.00} shows that this will never be paid as nothing is going to the principal. I do not receive paper statments which I have asked for on numerous occasions and sometimes I receive them but most times I don't. I'm completed frustrated with this process. I am a XXXX XXXX who had hoped to be clear of this debt by now but at this rate it will never happen. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation