BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
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:
I want to inform the Credit Bureau that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$5200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$70000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2020-07-17
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Home purchase closed on XX/XX/2019. Escrow account was set aside to cover repairs. Repairs were completed over a month ago. The appraiser came and inspected them and told me everything was okay and that the information would be sent to the bank. 

The lender will not return calls so we can have the money released. I need to pay the contractors. 

My real estate agent and I have made over thirty calls, messages and texts to the loan officer, loan office manager and national office trying to get someone to release the escrow funds. We got sent in circles with no satisfactory response. No one returns calls. 

My real estate agent is a retired loan officer who says that Freedom Mortgae is acting in a negligent and criminal manner.

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 2020-07-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 some of the information was 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 accounts as unverified information without providing any proof within the period allowed by law. The following ITEMS need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00}

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 non-monetary relief
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am currently shopping for a mortgage. I noticed transition was still reporting a balance on my XXXX credit account when I disputed it with trans Union my score went down XXXX points and they reported it paid in Full. My credit score was A XXXX by dropping it down XXXX  points I did not qualify for the mortgage that I applied for.Why would they drop my credit score XXXX points for paying off a credit card to have a XXXX  balance. XXXX  should have gone up XXXX points not down

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2019-08-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I tried making a deposit in the atm near me and the atm was down. I called us bank the next day and as a courtesy they said they would waive the fees. they never waived anything or returned the 2 XXXX fees.

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 2020-04-25
Company: EQUIFAX, INC.
State: MS
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:
According to XXXX, Equifax and XXXX they have verified that 'alledged account XXXX XXXX XXXX XXXX XXXX and it has a balance of XXXX. This account was sold to the collection agency XXXX, therefore how can it report a balance. I have disputed this account with the bureaus several times and they continue to report this inaccurate information.. 

Furthermore, I disputed this account with the collection agency as well. According to the FCBA and FACTA 312, and the FDCPA, the collection agency and or original creditor must be able to produce 1. complete payment history of the alleged amount/ verification line by line 2. date of last payment 3. charge off date 4. Contract/Agreement with signature 5. proof of photo identification 6. letter of sale or assignment from the seller/original creditor agreements states that debt are sold as is. ( the seller of the debt disclaims all representations and warranties regarding the accuracy of information they provide about individual debts. 

XXXX failed to provide this information, instead they sent an itemized bill and stated that they did NOT have a signature on file. This does not constitute validation and this information needs to be deleted off my credit report. 

Failure to delete this information will result in a lawsuit and a complaint with my state attorney general for failing to adhere to the FCRA, FDCPA, FCBA, and FACTA 312

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I reached out to this agency in XX/XX/2021 regarding helping me to get the credit bureaus to remove the fraud alert on my credit file. I got a response from you all on XX/XX/2021 stating it was handled but still when I try to run my credit im being told there is a fraud alert on my credit.

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 2023-02-13
Company: Early Warning Services, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXXXXXX XXXX and early warning services have reported me and as I said someone fraudulently deposited a fake check into my account with XXXX XXXX XXXXXXXX they are trying to held me accountable for this action that was not made by me this is very unfair and unconvincing me to open new accounts and expansion for my business I feel like since Im a XXXXXXXX XXXX XXXX Im discriminated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Diverse Funding Associates LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company did not reach out to me in anyway via mail, email or phone to verify this debt or allow me or dispute it. In fact, they have not reached out it me at all. However, They added a collection account on to my credit reports, without following any of the legal requirements and procedures they were supposed too.

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 2023-05-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: CAINE & WEINER COMPANY, INC.
State: WI
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 don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Westlake Services, LLC
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:
Over the past 36 months I've requested the update and or removal of the inaccurate information of the account with Westlake Financial in California. I have a certified letter from them stating that my account has been paid in full. When I dispute the inaccurate information showing charge off on my credit file with XXXX, XXXX and XXXX there has not been any change. My concern is that my interest rate and the ability to buy a new car has been impacted due to this company 's inaccurate reporting on my personal and private credit profile with all three major credit bureaus.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion have failed to send me documents about bankruptcy due to fraud on my name and account. They have not taken my case seriously all with has caused tremendous torment in my life.. transunion have received my court documentation. With stated the information was not verified by court systems.. or a third party company They did not send a letter within 30 days with proof of verification.. transunion have acknowledged the fraudulent activity on my credit report. Along with the extended fraud alert i have uploaded the lack of care from a Transunion representative along with other proof the two bankruptcy should be removed immediately.

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 2019-07-01
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX I transferred a {$720.00} balance from a XXXX XXXX XXXX credit card to a US Bank card. I paid the applicable transfer fee. The APR would be 0 % until XX/XX/XXXX. In XX/XX/XXXX I used the card to buy a sandwich for {$3.00}. I've noticed they started charging me a minimum interest fee of {$2.00} each month even though no purchases were made after that. I have made timely payments for more than the minimum amount. I called this morning & was told that since I bought this sandwich I would be charged {$2.00} interest each month and the only way that would stop was to pay the entire card balance. I asked them why I could not apply part of the monthly payment to any purchases & the rest to the balance transfer & they stated that was not allowed. I have a copy of the letter they sent me when I made the balance transfer & nothing is said of this. It is an unfair & misleading business practices since I am not allowed to pay on the purchase with a higher interest rate than the balance transfer amount which has a 0 % rate.

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 2021-06-02
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 have been attempting to work with Transunion & XXXX XXXX XXXX ( XXXX ) with removing the collections from my report. These attempts has gone ignored. I was able to reach out to my account with the original creditor ( XXXX ), to obtain the proof that this debt was paid on-time and in full. I have also asked for debt validation & verification for the other collection account ( XXXX XXXX XXXX ), but I have not received any documentation for this account. 

Also, for over a year now Transunion has made it almost impossible to file a dispute online.

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 2019-08-28
Company: DriveTime
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

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 2023-01-07
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX  account number 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TOYOTA MOTOR CREDIT CORPORATION
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 have purchased a new vehicle year XXXX  with Toyota,after having so much problems with the engine.i decided to give it back XXXX after 2years of paying the loan.i was fed up.The dealer where I purchased this vehicle has promised me to clearance of the loan with Toyota financial.for past three months I noticed a delinquency in my credit report.i have reached out to them many times.i have send letters debt validation letter.nothingIt’s hurting my credit bad.please help.thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My complaint is regarding my Citi bank XXXX XXXX Citi Card ending in XXXX the name on the account is XXXX XXXX XXXX XXXX and the zip code for the card is XXXX. The billing address is XXXX XXXX XXXX, XXXX, XXXX  TX XXXX. 

Since I opened this MC more than 3 years ago, I have it set up to auto draft, in amount of full statement balance, from my XXXX  account ending in XXXX. 

I do not receive paper statements from Citi Bank. 

This XXXX when I checked account activity it showed I was still set up for auto-draft and my bank account information was up-to-date. However, my account showed a 'late payment ' warning, and a {$60.00} late payment fee for a {$20.00} statement balance. 

Autodraft prevents my account from EVER being late, if Citi bank is following the contract. In addition, if they decided they needed to stop autodraft, for any reason, I should have been notified. 

I attempted to contact Citi bank in a variety of ways. Their phone auto message indicated they did not have customer service reps. answering calls, and suggested I down load an app for communication. I down loaded the app and texted a message ; they company did not respond. I emailed and started a 'chat ' with a rep. on line through an account link. The message from the app was as follows : " sounds like you need to talk to a customer representative. They are no longer available at this time. Please tell us how we are doing. '' I am worn out from this customer indifference and wish to close my account, but can not get through to do so. Adding insult to injury, the {$20.00} service on the credit card, for " XXXX XXXX, ' was a recurring service I canceled a month ago and should not have been charged for. I can not imagine that the Virus is a rationalization for Citi bank to charge random late fees when payment is not late ; surely this breaks federal trade laws? 

I welcome your advice and look forward to hearing from you. 

XXXX XXXX I can be reached by Phone : XXXX ; email : XXXX ; or mail : XXXX XXXX XXXX, XXXX, XXXX, TX 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 2023-08-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these accounts have violated my rights. These inaccuracies are keeping me from getting a home loan.

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