BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2018-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am on my 3rd leasing contract with XXXX XXXX XXXX. I leased my XXXX vehicle in XX/XX/XXXX. During that time, I was over my mileage for my XX/XX/XXXX vehicle in which the vehicle was surrendered. I received a bill in XXXX  in which I was advised to pay {$1300.00}. I also received a phone call from a gentlemen advising me to pay a little shy under {$170.00} per month to satisfy the past due amount. I explained to him it wasn't feasible for me to satisfy that amount since I'm already paying over {$300.00} for the newly leased vehicle. It was explained to the representative that I could pay {$50.00} per month at a minimum. I asked during the call if this account would affect my credit and was told no. I was also not told during the call that the monthly amount being requested was finalized and could not be changed. My initial payment on the XXXX vehicle was XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$100.00} ) and  XX/XX/XXXX ( {$50.00} ). Today, XX/XX/XXXX, I received a call from XXXX stating I am 117 days past due on my account and it needs to be resolved today before taken any further. The initial lady I spoke with call was disconnected so I had to call back. I ended up speaking with XXXX who informed me that the monthly amount I was told to pay was not a formal agreement however the amount is being reported on my account and is 117 days past due. I was asked to confirm an amount I'm comfortable with so the account didn't go any further. I asked how can the account go any further, when XXXX has been accepting my monthly payments? I informed XXXX I can pay {$50.00} at a minimum per month. When the balance was split into about 22 months, the agreed amount calculated to {$50.00} and will be due on the XXXX of each month. So it's safe to say, the " formal agreement '' took place on XX/XX/XXXX which was 4 months from when the initial was generated. I would like to have the inquiries disputed that's being reported by XXXX XXXX XXXX to be investigated and be reversed.

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 2021-02-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my checking account sometime in XX/XX/XXXX. There was a remaining balance of some $ XXXX in the account. When I called to close the account I was assured this amount would be mailed to me by check. I asked the representative to please confirm the mailing address that the check would be sent to, as the mailing address ( PO Box ) is different from the physical address on my account. No check. 

I called Citi again in XX/XX/XXXX, and was told the check was returned to them as undeliverable. Citi mailed the check to my physical address ( which doesn't accept mail ). I explained that I told the first agent this exact thing the first time and was assured it would be sent to the correct place. This new agent told me that the mailing address on my account was my physical address. I explained this was wrong ( and an error on their side ), because my debit card and PIN when I opened the account were correctly delivered to my mailing address, and I double-checked with the first agent anyway! This agent relented, and again assured me it would be sent out to my mailing address. No check. 

I called Citi again in XX/XX/XXXX, and was again assured by the agent that he would take personal responsibility that it was resolved and sent to my mailing address. No check. 

All of this information is in their call logs and notes on my account, and each agent could see the issue and that I had called before and the check wasn't delivered. 

It is now XXXX XXXX, and I'm done. I want my $ XXXX. I want them to mail it to my mailing address, or hand deliver it, I don't care. Please help! Thank you!

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 2022-02-23
Company: Incomm Holdings Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
A XXXX egift card was purchased online via XXXX on XX/XX/XXXX. I attempted to use the card at an online store as well as pay a bill online on XX/XX/XXXX and each time the card was declined, once stating the card was expired. On XX/XX/XXXX I contacted the issuing company who stated there was nothing wrong with the card. After several more unsuccessful attempts to use the card I called back and requested a refund, request # XXXX. I was told a check would be issued and mailed to my home address within XXXX days. The time has elapsed and I have contacted the issuer who appears to be unwilling to release my refund. The card can not be used and currently shows as On Hold via the online portal. I am requesting assistance to get a full refund of the card amount and card purchase fee, a total of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: OH
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 applied for credit at my credit union and the application was declined, with a reference to Equifax credit bureau reporting. I called the phone number referenced in the decline letter. A pre-recorded message advised of a website - www.equifax.com/fcra - that could provide an online report. However, when I filled in the information requesting the report a response was provided which advised that " Online Delivery Unavailable '' further advising me to contact them at XXXX. 

XXXX is an automated line, with no option to speak with an agent. Obviously, I wanted to speak with a human so that I could determine why my online request was denied. 

So I then went to the main Equifax website and found a support phone number - XXXX. This number was routed to a call center in XXXX. The agent immediately requested my Social Security Number - for the record I am not comfortable providing my SSN to call center agents outside the US, there should be a law against call centers outside the US collecting SSN.

Regardless, after providing the agent my SSN the agent directed me to XXXX and advised that I could get my credit report there. This is fraudulent, as XXXX provides one free annual credit report as required by law. Whereas I'm entitled to a separate free credit report having been declined credit. Using XXXX would have inappropriately used my one free annual report instead of the free report I'm entitled to having been declined credit. 

After explaining this to the agent, I was redirected to a call center in the XXXX where the agent again requested my SSN ( see comments above regarding providing SSN to call centers outside the US.

Reluctantly I again provided my SSN. This prompted a long list of  questions regarding my personal credit history. Many of these questions were nebulous and required my to provide far more personal credit history than was needed to verify my identity. Instead of asking open-ended questions about my credit card payments, the agent should have asked yes or no questions such as do you have an account with xyz with monthly payment of xxx.xx?

Finally I was advised that a credit report would be mailed to me via the USPS and arrive in 7-10 business days - not very helpful as I need the denial information NOW. 

This entire process was deceptive, convoluted, inaccurate, unnecessarily lengthy and required disclosing sensitive personal information including PII, credit card information, and other data to entities outside the US.

It is outrageous that this is the best the credit bureau companies responsible for US citizen 's person financial information when it comes to reporting on declined credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started my modification loan process XXXX for title search on the property. Title search completed wrong persons names with lien on the title search. I called 2-3 days every week for updates only to be told there was nothing I could do it takes a while, mind you that my home is only 5yrs old. Finally spoke with rep. that told me I had to call tax office XXXX XXXX, XXXX, to have lien removed and ask for a letter of removal since it's not me and this was done immediately and sent over within two days. I asked why this was not shared with me earlier than now since the title search has been completed since XXXX XXXX and clearly you know that I am the only one listed on the loan. I was told by two supervisors that my interest rate@ 2.87 % one in XXXX XXXX and XXXX XXXX I was locked in, and I should receive my modification documents within 7 business days or download from my portal when available. Now it's XXXX I received my modification documents at the rate of 3.50 % and no one is honoring the promised 2.87 % interest rate. 
As I stated to the supervisors and representatives this was out of my control not my fault and I have tried to assist you with any situations concerning this modification process and should be granted the promised rate of 2.87 %. I was never sent the not affidavit to sign nor offered to sign one until this day still, this part of the process of acknowledgment of liens. I have asked to speak with managers and was told none are on duty or available to speak with me, supervisors have said they will call me back and never have until this day. 
I feel that they held my process of modification loan until the interest rates went up, since I have been corresponding with them weekly sometimes 2-3 calls a day speaking with different representatives and supervisors cause its very fairly rare to get the same person, and some were more willing and helpful than others. 

Action taken by company XX/XX/XXXX researching phone calls will take until the XXXX of XXXX to complete but the rate is 3.50 % since they have to follow FHA guidelines. UNFAIR Process.

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 2021-02-04
Company: NAVY FEDERAL CREDIT UNION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Almost 2 years ago my bank Navy Federal Credit Union shut my card off after i reported some fraudulent transactions on my card.They shut my debit card off and my 2 credit cards.SO the result of that is me having to wire money and transfer money to different accounts which is not right.I didnt commit any type of fraud so i believe i should get my money back being i wouldve never had to transfer and or wire my money to different accounts if theye had better security and if they hadnt turned my card off.Because with Navy Federal Credit Union you have to pay for everything, cutting your card off leaves me with no choice to but to transfer my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2017, I opened an account with Capital One Auto for a car loan. Capital One Auto violated federal laws detailed in the attached letter. Capital One Auto has violated my consumer rights since the inception of this consumer transaction. Right of Rescission Notice was never provided to me and the company used deceptive practices to enter into a consumer transaction. I requested information via certified mail and no response was provided by Capital One Auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: EQUIFAX, 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 a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. ( Equifax, XXXX, XXXX ) deleted the account and then placed it back on ). ( Equifax, XXXX, XXXX ) has failed to remove block and deleted  information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
CFPB XXXX  On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions 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:
I have been disputing bankruptcies that EXPERIAN has been reporting on my consumer credit report since XX/XX/2020. I have sent them multiple letters disputing the alleged bankruptcies explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my Experian Credit report, I discovered that Experian used a third-party data company. On XX/XX/2020, I sent Experian another certified dispute letter with supporting documentation. I received another letter from Experian stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. In every letter, I have sent to them I have included a copy of my state driver 's license and a copy of my social security card. After receiving the response from Experian in regard, I sent another letter requesting the items be deleted and enclosed a copy of my social security card, ID with my name and correct address as proof of my identity. I received correspondence from Experian stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I previously disputed an error on my credit report directly with XXXX XXXX, with Transunion, XXXX and XXXX. XXXX and XXXX corrected the issue. Transunion has not corrected the error to date, although Transunion did respond to the previous report I filed with the CFPB and stated that they updated my report. My report has not been updated and I have not received anything in the mail from Transunion regarding the correction. I attached an email showing XXXX XXXX 's statement about correcting the late payment. Transunion did not fix the error with direct proof that it is an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2019-05-13
Company: Accounts Receivable Consultants Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   ( XXXX ) XXXX Amount : {$220.00} Debt collection agency : Accounts Receivable Consultants, Inc. 
( XXXX ) XXXX XXXX I have attempted to contact Arc to ask why they are reporting this debt to the credit bureaus each month when the XXXX debt was paid. When the debt was paid and balance satisfied, the account was removed from XXXX and XXXX reports in XX/XX/2017! I am unable to reach anyone on either numbers listed. From the toll free line, the call is dropped and sent to an extension that just rings. Arc is wrongfully reporting this to ONE BUREAU each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions 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:
I have sent letters to the credit bureausmultiple times asking to have the incorrect addresses removed from my credit report as well as a fraudulent collection account and they have not responded to any of my letters. They have not updated my credit report either. I last sent a letter XX/XX/XXXX. I need help with getting this resolved.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent letters to the credit bureausmultiple times asking to have the incorrect addresses removed from my credit report as well as a fraudulent collection account and they have not responded to any of my letters. They have not updated my credit report either. I last sent a letter XX/XX/XXXX. I need help with getting this resolved.

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