BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
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:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX Bankruptcy XXXX XXXX Reference 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 this item 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 2019-03-09
Company: EQUIFAX, INC.
State: MI
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:
This is starting to get very upsetting. XXXX XXXX XXXX has erroneously stated that an account from XXXX is included in a bankruptcy that does not exist!!!! My bankruptcy was discharged in XXXX before I ever even HAD a XXXX XXXX account. This company has brought my score down 29 points because of this erroneous reporting on my XXXX and XXXX credit reports. I ask that this account be removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
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 sent three letters to Transunion, XXXX and XXXX with the third letter being sent on XX/XX/2019 without receiving a response from either bureau and it has now been well over 30 days it has been fifty days to be exact I requested that all three bureaus correct the inaccurate information on my credit report which they still have not done as of todays date. I also requested original contracts and signatures which I never received,

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 2023-04-13
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: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S.C 1681s-2 ( a ) ( 1 ) The inquires listed below are unauthorized and inaccurate. I need these inquires removed from my credit report immediately. 

XX/XX/2022 XXXX XXXX ( Hotel and travel ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank )

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX OF XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} WXXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} WORLD XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022

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 2021-11-29
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a bunch of fraud related accounts on my credit report that these credit bureaus are not taking off Ive made calls send letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: EQUIFAX, INC.
State: TN
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:
My mortgage company is trying to pull my equifax report, and can not. I have called 6 times to equifax and spoken to 6 different people. I have used the live chat at equifax 3 times and no one there helps either. My mortgage company has the exact information that is on my copy of my equifax report. They can pull from the other 2 bureaus. Equifax will not help me. They tell me they will call, but no one ever calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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:
Hello, The scoring program used by XXXX  incorrectly computes a score that does not reflect their own calculation method. Here 's a breakdown : -Payment history represents 40 % of a consumer 's score. I've had over 430 on time payments and 1 late payment in 8 years.

-Credit type and history accounts for 21 % of the score. I have various types of credit and history dating back at least 10 years ( all up to date with only one late payment ).

-Credit utilization is 20 % of the score. My credit utilization has been at or under 35 % and is currently at 15 %.

-Balances represent 11 % of a consumer 's score. This is confusing because it's related to credit utilization. The balance for my car loan is high compared to the loan amount because it's a new loan. It's up to date and has no missed payments. The real issue with their mortgage requirement. They view mortgages as a credit balance instead of an installment loan so it is " reporting '' my balance as high because the mortgage hasn't been paid down to their liking. Mortgages are rarely paid down more than 15 % of their " balance ''. 
-Recent credit contributes to 5 % of the score. I have two new accounts, one refinance and one auto loan. Both are up to date with no late payments.

-Available credit accounts for 3 % of the score. My total available credit is {$41000.00}. I only have a balance of {$5500.00} total between all of my accounts.

Considering all of the above information, my credit score should be well above 700 but instead it's at XXXX. XXXX XXXX  new method needs to be thoroughly examined to determine errors and corrected. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 requested the credit bureau in XX/XX/2022 and XX/XX/2022 to perform a full " Investigation on every piece of information '' on the account listed by XXXX XXXX XXXX XXXX, which is account number XXXX. 

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

The credit bureau stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this account is still not reporting 100 % Accurately. And, according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

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 2018-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$1300.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX, 2018, Bank of America sent to the company of which I am a authorized user of a credit card in the name of the XXXX XXXX, a request for information to update their file. I filed this information twice through a branch store, which verified receipt of the information by the corporate office. At the time of filing this information, the bank had frozen any transactions to the account and had closed the account, despite the company having used this account for credit for a number of years with no evidence of delinquency or late payments. The reason given for closure was that the bank had no individual social security number on file as a guarantee of payment. This account had been active for years with no such requirement nor was there any reason for such a request, given the excellent payment history of the account. The XXXX XXXX is a 501 ( c ) ( 7 ) nonprofit organization that operates community pools and a clubhouse. Its governing board is composed of volunteers who are understandably reluctant to furnish a personal social security number to the bank. The members of the governing body feel that the bank has unfairly targeted this account for closure for no reason under normal business practices and request that the account be reinstated.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 having an issue with XXXX constantly telling me lies, giving me the run around and keep reporting a bankruptcy that I did not provide permission to do so according to the FCRA. 
Also under consumer law 15 U.S.C 1681 a1,2, and 3... .15 U.S.C 1681s-2. I called XXXX to dispute this issue several times,. On XX/XX/XXXX I sent out disputes concerning the bankruptcy to all XXXX credit reporting agencies XXXX XXXX TransUnion and XXXX along with the letter from Pacer and my updated information. Almost 2 months pass I called back they said they closed the investigation but I never recieved any mail for it. I called on XX/XX/XXXX and they reopened the investigation so On XX/XX/2023 a representative told me that that they do get there information from Pacer, even after I sent the actual letter I received from Pacer stating that they don't report to anyone. So I asked XXXX where are you getting your information from in order to legally report it. But they keep closing out my disputes. But never send me any notifications of the dispute results. I'm just fed up with this issue it's hending my credit and causing damages I keep getting denied for things due to them keep reporting it

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 2021-05-19
Company: ALLIANT CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I, XXXX XXXX, with my credit card, entered into a consumer credit transaction with Alliant Credit Union onXX/XX/2018. This consumer credit transaction involved a finance charge which is the sum of all charges and does not include cash, pursuant to 15 USC 1605 ( a ). Alliant Credit Union has furnished a deceptive form creating the false believe that I got a loan when I only entered into a consumer credit transaction, which is a violations of 15 USC 1692 j. Alliant Credit Union Credit has collected monthly payments from me since XX/XX/2018 which is a violation of 15 USC 1605 ( a ). Alliant Credit Union has failed to include my insurance in my finance charge which is violation of 15 USC 1605 ( a ) ( 5 ) and failed to disclose to me MY RIGHT to rescind which is in violation of 15 USC 1635. Alliant Credit has violated multiple of my federally protected consumer right under Truth in Lending ( 15 USC 1601 ) and FDCPA ( 15 USC 1692 ) and is criminally liable, pursuant to 15 USC 1611 and civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k. Ive made Alliant Credit Union aware of how they violated my consumer rights through certified mail and CFPB complaint, which can be seen in the attached documents to this complaint and my prior complaint as well as how I will like to resolve this matter. Pursuant to 15 USC 1692 ( b ), any consumer that disputes the validity of a debt or request the name and address of the original creditor, the debt collector shall cease collection of any debt until the debt collector obtain verification and provide such information to the consumer by mail. Alliant Credit Union has failed to provide me with the information I requested and continues to send me statements and collect money from me for this alleged debt, which is in violation of 15 USC 1692 ( b ). Also, I request that Alliant Credit Union provide me with an Audit Trial. Pursuant to GAAP ( Generally Accepted Accounting Principles ), Alliant Credit must prove that the funds left their account for this alleged loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Experian Information Solutions 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 information incorrect

Complaint:
Good day, For 2 years I 've worked tirelessly to get my credit score to what my credit worthiness should reflect. I responsibly use XXXX worth of credit a year, however right before my score should be raising above a XXXX ( as it should be XXXX ) the bureau change or add some frivolous or incorrect information to drop it XXXX point and than is raises backed to the same " good '' or " average ''. I than repair it again and the process begins over ; for 2 years every month I 've battled this. This past month ( XXXX ) I called all my credit card companies and asked what they reported and they told me. I than called experion and asked them what was reported. For example one " XXXX XXXX '' reported balances paid in full, yet experion placed a XXXX debt of my report. So I again followed the same process the next month XXXX XXXX XXXX and to be safe paid every credit card each time any monies was charged to a XXXX balance throughout the month. And on the XXXX the day XXXX XXXX reported to experion I called and asked what was my balances shown on report and again a XXXX debt was placed on my report. I confronted the agent on the line and he stated that all I could do is file a dispute against XXXX XXXX. I explained the same as I did to you and asked him how I can dispute experion and he said I could n't. I pushed further and he said he forgot who I can report to. One last serious request to see who governs experion from the agent and I was placed on hold and told " fts '' or the federal government. I believe experion is purposely keeping my credit worthiness down which is discrimination. I would like to have a full complaint with explanations and also comped for loss of operating funds for my small business. Also, compensation for higher interest rates from the diminished credit score purposely given to me!

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 2018-11-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XXXX  has been non-compliant with removing the unverified account USAA SAVINGS BANK which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that USAA SAVINGS BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX on my closing statement I was charged 1.75 % = {$7800.00} for UFMIP. 
I refinanced this year and closed XX/XX/XXXX and the new cost of UFMIP was 1.75 % = {$7700.00} On my closing statement I DID NOT RECEIVE a UFMIP refund credit. 
In order for me to close the loan they stated I needed {$4100.00} cash to close. 
Since I did not have the cash I asked is there any LENDER credits they can provide to help offset the cost. 
TIAA said that they could change my rate from 3.5 % to 3.75 % so that I could get a LENDER CREDIT ( separate from a UFMIP refund credit ) to help with closing costs, since I could not roll the fees into the loan. 
When I asked the loan originator about the HUD refund for MIP, since I refinanced FHA to FHA, they stated that refunds are done after the fact and that no REFUND credit will show on my closing statement, and that the HUD will refund me my credit. 
I called HUD and they stated that I have an overage and that a credit will be applied to the lender. 
The lender maliciously did not apply the UFMIP credit so that I would have to increase my rate from 3.5 % to 3.75 %. Had they applied the credit, I would have not needed to come up with funds or increase my interest rate.

Company response to consumer: Closed with explanation