BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
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:
In accordance with the Fair Credit Reporting act 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 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 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
It's seems TransUnion and XXXX continue to have outdated, incorrect and wrong information based on credit scores impact, denied credit and great varience between XXXX and them -- XXXX, here 's your credit snapshot Not Boosted XXXX Learn more XXXX Data XX/XX/2021 XXXX Fair XXXX See all 3 Bureau FICO Scores Credit Usage 97 % Total Debt {$160000.00} Open Accounts 6 Inquiries 70 Try XXXX XXXX credit-XXXX-image Instantly XXXX Your FICO Score Did you know your credit could benefit from bills you already pay? Try XXXX XXXX today- it's free! 

Looking for new ways to save? 
Based on your credit report, we found 6 things you can do today. See your savings plan What would you like to do today? 

Review New Data Improve Your Credit Get Rewarded Protect Your Identity XXXX XXXX XXXX & reg ; XXXX  Visa & reg ; for Rebuilding Credit XXXX, you're pre-approved for an offer from our partner XXXX XXXX XXXX. 
About 90 % odds of approval, subject to final checks

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 2020-01-22
Company: U.S. BANCORP
State: NV
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:
Advised by XXXX  Credit - my score went " down '' due to " HARD INQUIRIES ''  made by my bank on XX/XX/2019 & XX/XX/2019. ( US BANK CONSOLIDATED - XXXX XXXX, MO XXXX ). 

I was not made aware US Banks inquiry was a HARD INQUIRY, and affect my credit score negatively. I went to my local bank ( Account No.XXXX ) and asked them to remove the hard inquiries, to no avail. I was told that is the their system worked. I was annoyed and told them their customers need to be aware if their inquiry would affect their credit score. I advised how the heck can someone consolidate bills and the decision for a consolidation of bills is based on your credit report, wherein US Banks inquiry negatively affected my score? Absurd.

I am respectfully requesting both these inquiries be removed immediately. As a retired, XXXX, XXXX XXXX Veteran,XXXX yrs old, I have never encountered this trickery against a consumer. 

Respectfully, 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 explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX reported to my credit report for XXXX for charter communications. I do not believe this debt to be mine and have not received any validation. This has popped up before under a different collection agency that was also found to be invalid and was already removed.

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 2019-07-23
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Failure to provide written response within 30 days to a request to remove PMI. 
I sent a letter with supporting documentation to LoanCare by certified return receipt mail that was delivered on XX/XX/2019 to the company. I received a letter dated XX/XX/19 stating that I would receive a response within 30 days of LoanCare receiving my letter on XX/XX/19. Today is XX/XX/19 and the company has failed to respond within the required timeframe. 

I have tried to call their mortgage resolution department at XXXX during business hours numerous times, leaving a message each time asking for someone to call me with no response. 
Original loan : {$230000.00} Current balance : {$130000.00} 10+yrs and I can't seem to get them to drop the PMI. The loan balance has been well under the 80 % loan to value mark for many years. I'm tired of paying $ 80+ per month for PMI. 
Please help! 

Thanks, 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 explanation
Consumer complaint received 2023-07-18
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: Their investigation did not fix an error on your report

Complaint:
The information was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete.

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 2023-04-25
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house burned down in XX/XX/XXXX. Ever since Ive gone into XXXX dealing with insurance, contractors, permitting, and money issues with being displaced. In late XXXX, I started rectifying my issues with my mortgage. I made an agreement to pay half of the delinquent balance, and defer the other half to the end of my loan. I submitted XXXX lump sum payments in XX/XX/XXXX. XXXX was {$8000.00} and the other {$3700.00}. This wouldve made my account current. The mortgage company received my payments but never applied them to anywhere on my loan. Ive been begging for over a year now for them to correct this issue, without success. Now Im in danger of my home going into foreclosure due to my delinquent balance, however, Ive submitted the payments and theyve cleared.

I need help.Im lost and I dont know what to do to fix this. I feel like Im being discriminated against due to my debilitating XXXX, as well as my vulnerability as a single mother to a XXXX child. Ive legitimately poured every penny of my savings into making my account current, and its not right that its not even reflecting on my account. I cant afford to donate that money to a company, especially considering I am up to date on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
AN UNAUTHORIZED PAYMENT OF {$760.00} WAS TAKEN OUT OF MY ACCOUNT FROM MY INSURANCE COMPANY WHICH I DISCOVERED WHILE MAKING MY MONTHLY INSURANCE PAYMENT I IMMEDIATELY CALLED AMERICAN EXPRESS TO HAVE THAT {$760.00} PAYMENT REVERSED BACK TO MY ACCOUNT ONLY TO BE TOLD IT'LL BE UNDER INVESTIGATION SO IN THE MEANTIME I'M OUT OF OVER {$1000.00} MY REGULAR PAYMENT TO MY INSURANCE INCLUDED IT'S BEEN ALMOST 2 WEEKS MY BILL COLLECTORS CALLING MY BILLS LATE XXXX I'M XXXX I DON'T HAVE AUTO PAY WHAT IS THE XXXX PROBLEM WITH PUTTING MY MONEY BACK INTO MY ACCOUNT I'M APPALLED I WOULD NEVER RECCOMEND BLUEBIRD AMERICAN EXPRESS TO ANYONE ALIVE THIS IS RIDICULOUS THEY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A check for over XXXX that was improperly endorsed was allowed to be withdrawn from my account and not paid to the company the check was made out to. They said they found the money and it would be in my account XX/XX/2019 and it is not. Now I can't log into my account from home. 

Us bank XXXX XXXX XXXXr XXXX ne XXXX XXXX is the direct line to the gentlemen I spoke with yesterday. 

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 2017-06-28
Company: DISCOVER BANK
State: CA
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 had fraudulent activity on my discover card. They told me that everything is taken care of and I may or may not receive a letter in the mail. Then without my knowledge they removed my bank from making automatic payments to my credit card. No notifications or statements were sent to my address. They never notified me via email or phone that when there is fraud on your account they remove all your payment information and ways they notify you of payments that need to be made on your account. This ended up leading to a 30 day late payment on my credit report. I had the funds on my bank account but they never charged it because they said after fraud they removed my automatic payments without my consent. Now I 'm stuck with a bad credit score because the financial company failed to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: MS
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-25
Company: EQUIFAX, INC.
State: FL
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 all my Information has been Hacked.I Have different crisis where my XXXX was stolen and use to file a fraudulent Tax Return, XXXX XXXX, Identity, and Name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: UT
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 # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agenecy can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/23 money taken out of my account XXXX times on the same day. {$200.00} {$280.00} {$250.00} {$150.00} {$160.00} for a XXXX XXXX XXXX XXXX times in the same day and taking out of my checking account while the company is in Louisiana and I live in Minnesota. Plus the times it was taken out I was at work. It took my whole paycheck. That takes me XXXX weeks to make at my job. The total amount that wasnt taken out without me knowing it is {$1000.00}. Until I saw it when I check into my bank account. I went to the bank to file a complaint right away and Im still trying to get my money back and its been a month already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have trouble getting any kind of loan for car or anything because of something that I had no control over. I could not afford insurance but I had no choice to go to the hospital or I would not be here today to even be telling my story. It wasnt something I wanted to do and have more debt added to my credit. This has made my life so much harder and makes my interest rates so high on anything I do get so I dont have the extra money to pay for my medical bills. Not everybody has the chance or opportunity to have insurance and going to the doctor or hospital is not a necessity it is a have to or you can die. I have stomach problems and I would not have made it if I didnt go to the hospital. I was recently hit by a drunk driver and have had no income to pay any medical bills and I have to buy a car to be able to get to work so I can just pay to live. If I could get some of the medical off of my credit it would make my life so much easier. Like I said before it wasnt something I wanted to do it was something I had no choice to do. If you could please help I would be more appreciative than you know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Reporting information on my report that is already paid and was to be deleted. 
This is a violation of my privacy and unfair The credit reporting agency can not report anything without my written consent This XXXX account # XXXX O balance was paid off and was told by a representative that it would be deleted once paid. I feel miss lead

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive contacted XXXX today because I seen a fraudulent report I told them I had a false information on my credit I spoke with XXXX she she couldnt help Ive asked for a XXXX he set me to the fraud department where the lady was more disrespectful then XXXX. The lady in the fraud department pulled up the account and said it was not fraud almost immediately then said because its a typo it not fraud and also said because the bill was paid it was not fraud. I kept telling her it was fraud Ive also asked the contract but she claims she didnt have access to that. I asked if she could transfer me she continued to arguing with me on how shes been doing her job then she asked if she could transfer me to financial who could while still arguing her opinion on how its not. I talked to financial and they couldnt find my account nor did they have the access to send me a contract. So she sent me to billing where XXXX couldnt find the account at all. the only person who supposedly could send me the contract couldnt find the account # 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 2021-10-27
Company: ALLY FINANCIAL INC.
State: NC
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:
Hey so theres like 14 unauthorized and unknown inquiries on my credit. I dont know who is inquiring about things on my credit but I am not doing any of these. I have my car note, my Open carry weapon loan, my 2 credit cards and self. Thats it. So all of the other stuff? Im very confused as to where it came from and I believe its fraud

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 2017-06-28
Company: GREAT LAKES
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Loan account opened in XX/XX/XXXX, but account was posted after my 4 years of school in XX/XX/XXXX. I have exhausted just about all avenues to have the missed payment marks removed from my credit. I at the time XX/XX/XXXX called up my loan provider and ask that the loan be placed into deferment, however i am assuming that it never was. I some months later caught that this was still reporting as if i was missing payments when in fact i should n't have had any payments to make. No one that i spoke to about this matter apologized or even tried to fix the matter by removing the marks but i am still left with the dragging of my scores down because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 2. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Delete this account. 3. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. there is some inaccurate information reporting. XXXX XXXX SERVICES Account Number : XXXX Please Delete this account.

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 2022-12-13
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: Problem with personal statement of dispute

Complaint:
Company is refusing to remove these late/negative remarks from my consumer file immediately. According to 15 USC 1605 Determination of Finance Charge, because the finance charge is the sum of all charges, so what that means is, according to the documents you sent me, the finance charge is equal to the sum of all charges, that includes alleged late payments. Basically with the finance charge, this property was paid off according to he contract. Also 15 USC 1666b, Timing of Payments, there should be notice 21 days before bill is due.

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