BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2019-08-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called this collection agency after haven received a mailed document that I owed money to a previous apartment complex. The amount was erroneous. I wrote them in the allotted time; provided the copy of the lease that showed I had XXXX in deposits that was not being deducted from the balance. In a phone conversation they agreed and advised that they would be sending it back to the apartment complex for review and adjustment. Two weeks later they called my cell again requesting the wrong amount. I advised XXXX if she could read the notes and advise me what happened to the investigation. She could not. Instead she advised me that I didn't need to be so hostile. I was not. She advised me that since I was refusing to pay....I advised her per my letter to IQ at no time was I refusing to pay my bill, I am refusing to pay the amount because it is not accurate. I asked to speak to a manager. XXXX came on the line pretending to be a manager. XXXX advised me there was no investigation going on it wasn't ever returned to the apartment complex for an adjustment and I would pay the XXXX if that's what I wanted but the account wouldn't be considered paid off. He then said let me get you to a manager because I don't like the way this call is going. And put me on hold. In comes XXXX XXXX. XXXX regurgitated the same things her coworkers said. At this point in frustration I yelled out as she kept talking over me!! These employees and this company are disgraceful!!! I have never experienced such rudeness and disrespect or lack of assistance in getting this matter handled. If I don't owe the amount, all they have to do is bring it back to the apartment complex for an adjustment and I would pay the final bill, which I still intent to do on the XX/XX/XXXX. I can't believe that IQ Data is allowed to do business like this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: ALLY FINANCIAL INC.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ALLY FINANCIAL has failed to pick up the XXXX XXXX XXXX that my husband and i had financed. They keep reporting as a late payment to my credit. Even though this vehicle was included within my husbands bankruptcy. The vehicle was approved and discharged in XX/XX/XXXX from the bk and they still have not come to get it. They continue to report its late and that we owe. I was told that due to us being married and a marital property state they should have come to get it and stopped all collection attempts and adverse notice on my credit. They have not. I spoke to XXXX XXXX XXXX  on XX/XX/XXXX trying to get this taken care of and it still hasn't been.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2019-11-20
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN  INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
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 90 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 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 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, XXXX XXXX, Subsection XXXX, 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. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Opened new XXXX Synchrony Bank MasterCard account on XX/XX/XXXX. Promotional offer : Spend {$500.00}, first 30 days, and receive a statement credit for {$150.00}. Spent {$440.00} on XXXX & {$1000.00} on other purchases. Paid balance in full XX/XX/XXXX. Three telephone calls, FTC complaint ( XXXX ) filed on XX/XX/XXXX, and receipt of Bank disposition letter on XX/XX/XXXX. CS feedback : Promotion offer was to spend {$500.00} on XXXX. This term is not reflective on sites TOS ; appears to be deceptive trade practice. I had met all prerequisites ; the bank should honor the {$150.00} statement credit offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Submitted a " dispute request '' concerning XXXX XXXX XXXX XXXX. Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations ( 5 yrs ). XXXX XXXX XXXX XXXX remains on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
FlagStar bank signed me up for Loan Modification without my knowledge or consent. My payoff amount went from {$310.00} K to {$320.00} K and this is how I noticed that this occurred. My Loan Number is XXXX. 

I was in forbearance hardship for 2 months. I called in XX/XX/XXXX, was on it for XXXX and XXXX, and then came out of it in XXXX. I called XX/XX/XXXX and spoke to XXXX. They signed me up on a Short Term Repayment plan which is 6 months of paying {$3900.00} to get the account current ; Confirmation # XXXX. No immediate documentation on this was sent. It wasn't until XX/XX/XXXX when I received the information regarding this agreement. 

In XXXX and prior, I had asked about refinancing and was transferred to dead-end voicemails. No one wanted to answer my questions directly. I started refinancing with XXXX in XX/XX/XXXX. During that process I noticed my payoff amount increased substantially and I cancelled the refinance. 

I called Flagstar XX/XX/XXXX to understand what occurred. After 2 hours and speaking to about 10 different individuals who transferred me around, they said their system automatically signed me up for Loan Modification.

I would like to have this matter resolved. I would like my payoff amount to return to the original amount which was around {$310.00} K not including a {$3900.00} payment I had made which was never applied to the forbearance.

I am trying to become current with Flagstar but their Customer Service is brutal - read their reviews online - and I am getting absolutely nowhere with them. I don't trust their representatives and their MO is to transfer you when they don't want to answer the question. Please help.

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 2020-12-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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: Information belongs to someone else

Complaint:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-08-10
Company: Experian Information Solutions 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX  XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecon XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-12-12
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm writing to formally dispute a debt claimed under my name on my consumer report. This letter serves to inform you that the debt in question is the result of identity theft, and I do not acknowledge any liability for it.

Under the provisions of 15 U.S.C. 1681 ( b ) ( a ) ( 2 ), entities are permitted to obtain consumer credit information for specific legitimate purposes. In this case, my personal information was used without my consent, constituting a clear case of identity theft.

Please note the following points : Identity Theft Claim : I have been a victim of identity theft. The debt you are attempting to collect is associated with fraudulent activities carried out in my name without my authorization.

Request for Validation : In accordance with the FDCPA, I request that you provide complete validation of the debt. This includes detailed information about the original creditor and any documentation that directly links me to the alleged debt.

Cease and Desist : I insist that all collection activities, including reporting to credit bureaus, be ceased until full validation of the debt is provided. Failure to comply with this request will be considered a violation of the FDCPA.

I expect a prompt response from your agency acknowledging the receipt of this dispute and outlining the steps you will take to rectify this situation. Any further attempts to collect this debt without adequately addressing the issues outlined above will compel me to consider legal action. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 ( sat ) I went into my bank and deposited a check into my account for {$8400.00} the cashier told me that my funds will be available on the XXXX ( XXXX  ) and they were not I had a alert stating that there was a hold on my deposit and that I needed to contact the person that cut the check I contacted the person that cut the check on XX/XX/XXXX and told them everything that was going on they stated to me that they cleared the check yesterday on XX/XX/XXXX and that my funds should be available today that I need to contact my bank I contacted my bank and let them know that I spoke with the person that cut the check and this is what I was told my bank is trying to tell me that I have to wait almost XXXX weeks for my money to be available to me. Also I'm not understanding why it states that my check was deposited on the XXXX of XXXX when I went in on the XXXX which was XXXX  and deposited my check

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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2020 I visited the TransUnion.com website to obtain a credit report. It is my understanding that credit reports are supposed to be offered for free ( 1 per year ) by law. The links from the main page to get your report contain fine print regarding details that you are in fact signing up for a credit report and monitoring service for {$24.00}. If you do not very carefully read these details you will be charged at least for one month in order to see your report details. 

This is, in my estimation and opinion, a type of deceptive trade practice. It is very telling once you log in that if you choose to cancel where you are offered a drop-down selection of reasons for cancelling, which includes " I did not expect to be charged '' as a choice. 

I initially disputed the charge through my bank but then cancelled, realizing it would be rejected due to the fine print. 

Interestingly I setup an account through the other 2 credit services, XXXX  and XXXX and was not charged to see my information. If the response from TransUnion is that reports must be requested via XXXX then that should be clearly indicated to the public I would strongly advise against the use of Trans Union or their services for any reason due to what I consider to be a dishonest approach. Basic news research has shown they have been cited for this kind of behavior in general before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: MI
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 TO THE FAIR CREDIT REPORTING ACT, XXXX  # XXXX. HAS VIOLATED SEVERAL OF MY RIGHTS AND NUMEROUS ( FCRA ) LAWS. 

1. ) 15 U.S.C. 1681 SECTION 6028 ( STATES RIGHTS TO PRIVACY. ) 2. ) 15 U.S..C.1681 SECTION II 6048 ( STATES CAN NOT FURNISH ACCOUNT OR INFORMATION WITHOUT MY CONSENT AND OR PERMISSION. ) 3. ) MY STATE OF MICHIGAN, CREDIT REPORTING RIGHTS : STATUE OF LIMITATION OF 4 YEARS HAS BEEN PASSED AND THE DEBT HAS BEEN PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act the following accounts violate my rights : XXXXXXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX XXXX acct # 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

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