BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX Account # 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

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 2023-05-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX is reporting inaccurate information to credit bureaus. Based on documents from XXXX they are in violation of the FCRA for reporting inaccurate information on my file. After numerous disputes with the bureaus. Contacting XXXX about the situation both refuse to follow the law set forth in FCRA. XXXX has verified false information but more unethically updated its mistakes based on the documents of proof I provided to the credit bureaus during my dispute process. They continue to report the charge-off amount falsely. The amount that was charged off is XXXX as provided in documents provided to me from XXXX XXXX. No matter how times I have provided this information to the bureaus they allow XXXX to verify a totally different amount which is the definition of 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 2023-10-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute several hard inquiries that have been listed on my credit report. I have reviewed my credit report and have found several inquiries that I did not authorize or have knowledge of. These inquiries are negatively impacting my credit score and are causing me significant financial harm. The fraud inquiries are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need to dispute previous address that appear on my credit report there is a telephone number that also appears on my credit report XXXX XXXX XXXX does not belong to me I need to dispute this

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 2023-05-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX is reporting inaccurate information to credit bureaus. Based on documents from XXXX they are in violation of the FCRA for reporting inaccurate information on my file. After numerous disputes with the bureaus. Contacting XXXX about the situation both refuse to follow the law set forth in FCRA. XXXX has verified false information but more unethically updated its mistakes based on the documents of proof I provided to the credit bureaus during my dispute process. They continue to report the charge-off amount falsely. The amount that was charged off is XXXX as provided in documents provided to me from XXXX XXXX. No matter how times I have provided this information to the bureaus they allow XXXX to verify a totally different amount which is the definition of inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: National Credit Systems,Inc.
State: TX
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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
i was a victim of identity theft due to an XXXX data breach. i called to have this fradulente account and inquiries removed but they did not remove them

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 2023-08-09
Company: EQUIFAX, 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In early XXXX the company ( Capital One ) stopped accepting debit card payments. This has negatively affected my credit history and ability to pay because they take 3-5 business days to process a payment. Whereas before one could pay with debit card instantly. This has negatively affects borrowers ability to pay easily and on their schedule. It is predatory to change methods of accepted payment like that without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: JFQ Lending, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My neighbors and I have received letters from a company called JFQ Lending, and feel they are totally mislieading consumers. To be clear, I have not done business with this company before and have a mortgage with another lender, but I do get these letters from JFQ Lending. Their letters come in unmarked envolovopes and they appear to be from my lender and/or XXXX. I will not type anything else, but below is a brief layout of letter ( leaving out specifics ). I really hope this letter is stopped so JFQ Lending does not deceive others : UNDERSTANDING XXXX  ENHANCEMENTS Dear <Customer Name> *Your Economic Benefits* Your current loan with <My Current Mortgage Lender> has been identified as benefiting from the aggressive enhancements made to XXXX XXXX eligibility . These changes will generate economic benefit to those like you, who have a conventional mortgage. 

Some benefits could include a cash disbursement of $ X, XXX.XX, a shortened payment term, or lower mortgage payment. 

*What you Need to Do* To get the necessary information call our office at XXXX before XX/XX/2021. Please have notice number XXXXXXX ready when calling our Enhancement Help Desk to discuss your new loan informaiton. 

Note : Due to the number of homeowners positively affected by these changes, call volume may be high. To help expedite the process please have your notice number available when calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In 2022, there was a fraudulent savings account opened in my maiden name, at Bank of America. I had the account closed and froze my credit, as well as put a fraud alert out on my social security number. Just yesterday I received an email from Bank of America about a credit card application with them. I did not apply for any credit card. Since I have a credit freeze, the card was not opened. I did call them to make sure the application was reported as fraud. The strange part is with both the savings account and the credit card, both my real email and address were used. I am starting to worry that it is the Bank opening unauthorized accounts rather than identity theft.

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 2021-07-14
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred and serviced by Freedom Mortgage as of XX/XX/XXXX. After my income was delayed, I opted to do the XXXX deferment to avoid late fees and credit report impact but resumed making payments. Since they acquired my loan, I have been having issues with them making multiple adjustments to escrows to increase payments based on whatever documentation they get from 3rd parties, without verifying I initiated a change ( XX/XX/XXXX the insurance agent changed my carrier without permission XXXX nor allowing me to pay shortage ( escrow account is usually adjusted once a year by lenders but Freedom do it each time documents go to them from a 3rd party ). XX/XX/XXXX, they increased the percentage amount they wanted overall in the escrow, and I paid the difference XX/XX/XXXX. In XX/XX/XXXX, I was threatened with policy cancellation due to Freedom paying the unauthorized insurance carrier and ultimately, they disbursed two payments to two carriers causing an escrow shortage by XX/XX/XXXX. After I complained, I was sent a bill to pay the escrow shortage, of which I paid. They turned around and applied the escrow payment I sent directly to the escrow dept. to the loan principal and interest, even though I had already paid XXXX mortgage payment. I called and complained again, and they claimed they reversed the misapplied payment. Because I am still on the deferment, they sent me a notice and advised I would be responsible for paying homeowners insurance moving forward. Due to recent insurance hikes, XX/XX/XXXX, I initiated a new carrier, even though the existing policy was effective until XX/XX/XXXX. I paid the homeowners policy in full on XX/XX/XXXX. I receive a letter dated XX/XX/XXXX from Freedom stating they paid an insurance bill out of my escrows in the amount of {$1700.00}. I immediately called to complain, they claimed to put a stop payment on the check, yet XX/XX/XXXX statement, my escrow shows the money missing. I called Freedom again to speak to a supervisor and she claimed the escrow department was closed and she will escalate to find out where my money is and call me back XX/XX/XXXX. To this day, no call with resolution. I believe Freedom mortgage is stealing my escrows, misapplying payments, and engaging in unethical practices such as what I described and need to be investigated. Please see their latest statement and my evidence of payments.

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 2019-09-07
Company: BCB Investments LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A Alliance Collection AG is calling us on a daily basis harassing us to collect a debt. I was renting an apartment and wanted to leave the place two months prior to the lease end. I tried talking to the landlord that I am willing to give up my security deposit and was willing to help them find another lessee for them. According to the contract, we had to provide a notice two months prior to renewing the contract if we are not going to renew the lease, which we did. However, I did not want to live there anymore and wanted to leave the place. Landlord did not do much effort to find another lessee and therefore they sent the account to the collections. Since XXXX, 2018, the A Alliance Collection AG has been constantly calling and harassing us through phone calls. I tried negotiating with them several times but they were not willing to lower the amount. As a result, they call us multiple times on my wife 's cell number, my cell number and at our house phone demanding for the money. I have told them to stop calling us and limit the communication to mail only but they have ignored all of my requests. I am fed up of their constant daily harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In XX/XX/XXXX I obtained a home mortgage loan with XXXX XXXX XXXX XXXX ( XXXX ). A credit report inquiry by XXXX revealed one derogatory line on my credit report ( Item 29 XXXX : see attached ) that was incorrectly still present in my record despite the fact that this debt was satisfied ( paid off ) and signed off by the County Judge ( Order of dismissal with Prejudice ) one year prior ( XX/XX/XXXX Court Order : see attached ). 
I attempted to dispute and resolve this issue directly with the Credit Reporting Agencies with no success. 
I am about to apply for a new home mortgage loan and before I do that I would like to ensure that this derogatory line-item is permanently removed from my file with all 3 major credit reporting agencies. 
I am reaching out to CFPB to help me solve satisfactorily this issue. 

Thank you. 
XXXX XXXX, Consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: NJ
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 did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b permissible purpose. I did not consent to, authorize, nor benefit from any of the following Chapter XXXX Bankruptcy. The court does not report Bankruptcies to the bureaus. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
HSBC Platinum Mastercard XXXX So someone used my card to purchase 3 charges that were placed onto my account XX/XX/2018 XXXX XXXX XXXX XXXX XXXX More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX More info Select to Expand XXXX XX/XX/2018 XXXX XXXXXX/XX/XXXX XXXX XXXX More info Select to Expand XXXX they refuse to take this as fraud saying i need to file a police report, I filed one in XXXX and sent them the details, no response calling them XXXX XXXX in investigations no response than at the end of XXXX finally got hold of XXXX XXXX in far as investigations, says she needs the police officer handling the claim so I gave her the info. I had to refile the report since it was done online. I received no response from that date to now. I even sent letter to CEO office who sent me a letter back saying i need to handle the claim through officer XXXX, so confusing. They wanted the police to pull the video. I spoke top officer XXXX and he says that its difficult now to pull video and that he has nothing to do with it although he will look more into it. I never made these charges protected by Billing Rights and I seem to get the runaround they have placed the charges as owing on credit report and their statement when it is far from resolved. I never made these charges and I should not be suffering still after 6 months. It is not matter for to be directed to police, HSBC should resolve. This is the letter received by HSBC Dear XXXX, Your email addressed to XXXX XXXX about your fraud claim was referred to my attention. I appreciate the opportunity to provide clarification. 

The transactions listed in your fraud claim were determined to be authorized and your fraud claim was declined. Attached are the documents we received from each of the merchants. 

If you have any questions or concerns, please contact Sargent XXXX of the XXXX Police Department at XXXX. 

Yours sincerely, XXXX XXXX XXXX Vice President Head of Customer Relations XXXX XX/XX/2018, XXXX XXXX   ( 7 days ago ) to me Dear XXXX, Again, we refer you to Sargent XXXX of the XXXX Police Department with any questions about this claim. That said, HSBC respectfully declines to comment further on the matter. 

Sincerely, XXXX XXXX XXXX Assistant Vice President Customer Relations

Company response to consumer: Closed with explanation