BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes and The other bureaus have removed it of my credit report, but you guys refused to do so. I have submitted my police report and FTC report, and verified my identification etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-04-01
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : 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 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Transunion I found more FCRA Violations On your behalf!! 
XXXX ACCOUNT XXXX XXXX ACCOUNTS XXXX BOTH ACCOUNTS ARE CLOSED ACCOUNTS THEY BOTH ARE REPORTING MONTHLY PAYMENTS HOW IS THIS SO???? PER FCRA THIS IS A VIOLATIONS AND BOTH ACCOUNTS NEEDS TO BE DELETED YOU CLAIMED THIS ACCOUNT HAS BEEN UPDATED / VERIFIED THESE ACCOUNT ENOUGH IS ENOUGH YOU NEED TO DELETE THESE ACCOUNTS ASAP XXXX XXXX SHOWING {$220.00} A MONTH XXXX SHOWING {$150.00} A MONTH IN CASE THE FILE IS NOT CLEAR BUT XXXX YOU REPORTING THE VIOLATION YOU CAN SEE 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 explanation
Consumer complaint received 2020-01-17
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I start a process of loan modification, in XX/XX/2019 I went to the mediation the lawyer from Caliber denied the modification alleging that my income was to low, but they didn't want to use my income from my main job ( XXXX XXXX ) in this job I get XXXX per year if they don't use this income it's the best excuse to denied a modification. My feeling is that they are discriminating. I work very hard I have three jobs XXXX XXXX, XXXX XXXX  XXXX XXXX and small own business XXXX XXXX, beside my sons work and support me financially, we present all this information and documents to Caliber ( income tax returns, banks statement, payroll, letter of employed, etc. ) but they are acting very unfair. We are desperate they don't care about the people, We been sending to the trustee during one year {$1500.00} We are not living for free and we need to keep the house XXXX is very expensive and they probably want to pull me out just because I'm XXXX and not rich XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After the XXXX of the month US Bank calls me successive times in a 1 minute time frame. Literally 2 calls in 60 seconds. They'll make multiple calls per day as well. They'll do this every day until they receive the payment. I consider this excessive and abusive.

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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am giving you one warning, because i will SUE. Remove an alias ( old last name ) off of this report.i want it off now, ive told you several times on the phone you are all LIARS telling me you took it off. im suing you and transunion, because i asked you to take it off due to a stalking incident and instead you left it on there and i have been located. if anything happens, you and transunion will be held accountable.i will be contacting a lawyer if i see my old alias still there. i am serious. 

the old last name needs to be taken off!!!! 
old last name : XXXX. 
no longer my last name!!!! 

a correct alias will be XXXX now that i have REMARRIED

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 2019-05-17
Company: EQUIFAX, INC.
State: MO
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 contacted XXXX to disagree with the debt. Every credit bureau removed the debt instead of Equifax. I received a letter from XXXX explaining they will contact every credit bureau to explain it does not belong on my account. I have sent the letter to Equifax several times but they will not remove the debt from my account. I sent a letter to Equifax on XX/XX/XXXX and XX/XX/XXXX. There were also letters from a company I paid to take over but I do not have those on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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 which is a umbrella company by the name of XXXX XXXX XXXX has been reporting a account under my name which I have no knowledge of. I have disputed this account 30 times with the credit bureaus & they keep verifying this account as accurate. I have sent over a FTC report & they have still verified it as accurate. I have contacted them multiple times left messages for the compliance team. Everytime i try to speak with someone I end up speaking with XXXX whom I have told that I had another vehicle at that time so I did not need another vehicle & i also provided him with my location at the time of the purchase of the car he still states that doesnt mean anything & It could still be my vehicle. I have tried multiple times to get this situation resolved, but no one contacts me or reaches out to me. They are also reporting inaccurate information. I need this account removed from my credit report asap & I also need them to follow the procedures listed on the affidavit.

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 2023-02-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit report and, to my surprise, XXXX, Equifax and XXXX are reporting a lot of incorrect information. They have several incorrect personal identifiers listed in my credit file and I am requesting that they remove any information that is not completely accurate. I am seriously concerned that the information that they are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. I've been getting alerts from XXXX XXXX  that my information is on the XXXX XXXX. Strange addresses popping up under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
NOTE- '' What type of problem? or " What best describes your problem ''? do not contain the reason for my problem, which is related to my private and personal information. We suggest to include other choices such as " Private Information '' or " Other Problem ''. 


What Happened : On XX/XX/2019 ( Attachment 1 ), we wrote to MsXXXX XXXX XXXX, Citibank CEO-NA, requesting to delete from Citibank records all the information we provided with applications we submitted for a savings and checking accounts. We were never informed of the decision made about our applications and, therefore, had opened a savings account in another bank. 


As the reply from XXXX XXXX of XX/XX/2019 ( Attachment 2 ) did not address our request to delete all our information from Citibank records, and on XX/XX/2019 ( Attachment 3 ) we requested again the removal of our information from their records. On XX/XX/2019 ( Attachment 4 ) we received a reply stating that the information we provided Quote was supplied voluntarily by you to open Citibank Online Savings account and can not be removed. Unquote. We agree that we provided voluntarily the information required to complete the applications to get a savings account. However, the full property of this information is ours and, therefore, it is our prerogative to decide how to dispose of it in line with the legal provisions governing the ownership of personal and private information. 


In view of the above, we are herewith submitting a complaint against Citibank for refusing to comply with our request to delete from their records all our information we provided in applications for savings/checking accounts. In line with the provisions of the CFPB concerning Consumer Protection, which include the right and prerogative of the consumers to protect their information and dispose of it as they see fit, we expect that CFPB will compel Citibank to comply fully with our request. 

Contact in Citibank : XXXX ( CEO CitiBank N.A. )

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 2020-01-17
Company: JPMORGAN CHASE & CO.
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:
This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT.

WITHOUT : Permissible purpose from the creditor.

Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit acceptance report my included in my bankruptcy it was not. I continue to make monthly payments Account paid off by XXXX XXXX had full coverage on an auto accident in XX/XX/2018.

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: Experian Information Solutions 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. 

ATTORNEY GENERAL-CHI : 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 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 2018-08-10
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went to BB & T, on XX/XX/18 to opening up a business account. And was waited on by XXXX XXXX, XXXX XXXX XXXX. Upon XXXX XXXX, ( XXXX XXXX ), request for a Social Security Number. I had explained to her that i did not have one do to my SSN, being compromised due to identity fraud. And that i had a letter proving that. And did provided the document to her along with documents and case law that one isn't required to provide a SSN, to open a bank account. And that i had a EIN and my 98-number. the the IRS, had instructed me to use in place of a SSN. XXXX XXXX, asked to copy my documents to send over to her Superiors legal. To look over the papers i handed her for review to determine whether i could open up a account with the documents i presented to her. And that she will take my number and give me a call when she hear back from legal. This was at XXXX on XX/XX/18. It was XXXX when i phone her to check on the status of me opening up a business account. And did received a call from her stating that i could not open an account unless i provide a SSN, And that was the answer she received from legal. I had also allow her to see a business check that i wanted to deposit.

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: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When I discovered the collection on my credit in XXXX and have disputed this collection at least 7 times since then with both XXXX and XXXXI have tried to make contact with the company several times to dispute this debt and they keep using aggressive tactics and threats stating that they will take my XXXX money and that I will pay no matter what. They also state they will continue to ruin my credit if I don't pay up. II told them I was XXXX. I told them I was covered by a different auto insurance and I was told to submit documents proving that and they would remove the debt. So I faxed another dispute with the documentation requested on XX/XX/XXXX and I complained to CFPB and the company lied to CFPB stating this debt was legitimate and never disputed it before. My second dispute was faxed AWA on XX/XX/XXXX and they again have not contacted me or sent me any correspondence. So since they can not prove that this debt is mine and I can not verify the debt as valid. I want this debt removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
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: Reporting company used your report improperly

Complaint:
on XXXX XXXX i got in contact with trans union wrote a dispute DEMANDING Transunion to REMOVE 1 collection of : XXXX XXXX XXXX of my account that is being reported inaccurately they never responded back, I've disputed these 2 collections with the 2 bureaus XXXX  and XXXX  and they REMOVED them instantly ..TRANSUNION has violated my rights constitutional rights the list below follow : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains

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: Experian Information Solutions Inc.
State: WI
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:
I obtained secured XXXX XXXX credit card XXXX 2022 with a security deposit. Then obtained regular XXXX XXXX " XXXX '' credit card in XXXX 2022. Unfortunately, i had to file bankruptcy in XXXX of 2022. It is almost a year later and XXXX XXXX still shames me by reporting the wrong high balance on my credit report. After dispute they corrected one of they of the line items.

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: Experian Information Solutions 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:
I have sent an FTC report with with 2 fraudulent accounts and tons of fraudulent inquiries

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