BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$620.00} Account Name : XXXX Account Number : XXXX {$56.00} has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2017-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I did n't give written authority

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I received a letter from Transunion, XX/XX/XXXX, FILE # XXXX Which stated that, XXXX XXXX XXXX, ( Acct # XXXX ) is scheduled to be removed XX/XX/XXXX from my credit file, but the account still appears 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 non-monetary relief
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX I've talked to XXXX about there practices. I did not authorize them to close a account and then add a new account. I didn't want the service from the beginning, I was unaware on how XXXX did there business pertaining equipment. So I paid my bill on time even though they made my utilization high on my credit bureau profiles. Now XXXX has added the same account on my profile like its a new account, taking away from my overall credit history. The credit bureaus was no help with my complaints.

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 2023-10-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a settlement agreement with XXXX XXXX  XXXX XXXX Credit Card in XX/XX/2020 for {$4400.00}. The payment was processed the first week of XX/XX/. I then received a letter stating that the account was paid off as agreed and the account was closed. Then earlier this year I was contacted by Midland Credit Management collection agency saying that I owed them for the unpaid XXXX account. I disputed it and sent them proof that it was paid, but they are refusing to close the case. They have called repeatedly and sent a letter threatening legal action for a debt that was paid 3 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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 2023-03-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX of XXXX there was this company called XXXX XXXX soliciting the remodeling of home bathroom located inside the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, TN XXXX. Therefore, I filled out an application for free home estimate. The XXXX XXXX representative came to my home late XXXX of XXXX. The XXXX XXXX representative presented an estimate of cost for two restrooms inside my home. The XXXX XXXX representative advised financing was available ; therefore, the financing for the funds to complete the project where financed through a bank called XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. XXXX offered no payments nor interest for 18 months if paid off before the 18 month period there will be no interest applied. XXXX approved the loan and the XXXX XXXX  representatives contracted the work. XXXX paid XXXX XXXX. In XXXX of XXXX came into a large amount of wealth. However, I had never started my first payment with XXXX. I called XXXX Customer Service to get an early payoff. The XXXX representative quoted the early payoff. I asked the representative several times before retrieving a cashier check was the payoff amount correct. The XXXX representative assured that the payoff amount quoted was correct according to the system. Therefore, XXXX received a check from me in the quoted payoff amount. In XXXX of XXXX just being curious about my credit score I pulled my credit report only to see XXXX showed a balance. Nevertheless, I contacted The XXXX Bank in question of the account. After, being placed on hold several times finally a representative advised that a complaint would be file for me. I received a call from XXXX in XXXX of XXXX stating the investigation was complete. Upon XXXX investigation, they stated the check was short ; therefore, the interest was applied as well. I asked the XXXX representative why wasnt any contact sent by mail, email or phone to advised that my contract was at fault. I never heard or received anything information from XXXX informing me until XXXX of XXXX. I asked XXXX to forgive this debt because they received a large amount in XXXX. The XXXX refused and now theres a third-party company calling now trying to collect on a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: PA
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 asked the credit bureaus to do a thorough research of my credit reports and they did and stated that everything was accurate and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account NumberXXXX, XXXX Account Number:XXXX has violated my rights. 15U.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 explanation
Consumer complaint received 2022-05-21
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # 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 explanation
Consumer complaint received 2019-07-23
Company: Diversified Consultants, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or REMOVED IMMEDIATELY Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$640.00} Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened XXXX Balance {$980.00} Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened :XX/XX/XXXX Balance {$1000.00} Account Name : DIVERSIFIED CONSULTANTS Account Number :XXXX Date Opened :XXXX Balance {$2900.00} Account Name : XXXX/XXXX Account Number :XXXX Date Opened :XX/XX/XXXX Balance {$13000.00} Account Name : XXXX/XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$140.00} Account Name : XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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:
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. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX  XXXX These account have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased 2 units of laptop from XXXX XXXX on XX/XX/XXXX. Total amount {$1700.00}. Items were supposed to be delivered on XX/XX/XXXX but not delivered to my address. Delivery confirmation photo showed no merchandise at all. I raised a dispute to Citi on XX/XX/XXXX. Citi investigated and received delivery status documentation from Best Buy, which Citi shared with me in a mail delivered to me on XX/XX/XXXX. The delivery status documentation included the delivery confirmation photo that showed no merchandise at all. This delivery was done by Best Buy 's in-house delivery team, not XXXX, XXXX or USPS. There was no geographical location trace data but just a final delivery status. Nevertheless, in a call on XX/XX/XXXX with Citi, Citi 's representative confirmed that Citi made decision only based on the delivery status and ignored other information which may or may not contradict with the status. The representative claimed that the decision was final. In this case, the status was " delivered '' while the confirmation photo belied the status and there was no geographical trace data, Citi still chose to side with merchant. I am very disappointed by Citi 's decision making process based on one-dimensional information. This puts consumers in a significantly disadvantaged position and abets predatory merchants to take advantage of unwitting consumers by labelling undelivered or misdelivered merchandise as " delivered ''.

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 2019-07-23
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Property Manager at XXXX XXXX XXXX is trying to collect a dibt for months in which we did not reside at the address. They have sent {$2200.00} to National Credit Systems after we already went to town court. The judge already ordered no money owed to the property and we were not obligated to pay further rent. They kept the security deposit anyways, and continue to try to collect. We were already ovetpaid and at a loss resulting the issues at that property. I don't owe them any rent at all and there was no damages to the unit. It is XXXX properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
4 months spent contacting them and attempting to get a response from them with complete failure on their part to respond. I was hung up on and ignored, lied to and promised that someone would get back to me. I have now lost the opportunity to refinance at a historic low rate. Due to them ignoring me and lieing to me, I have now past the deadline of locking in a low rate and missed out on saving thousands of dollars. They did not return correspondence from my lender and were not willing to help. We made over 12 contacts with them including 3 way calls and e mails. They were reluctant to put us in contact with someone who was willing to help. My final call was yesterday, where I was on the phone for 4 hours and redirected 3 times to people who simply had no intention of helping me. The call ended when I was hung up on after being on hold for 1 hour and 20 minutes. I was contacted today by my lender for my refinance attempt, XXXX XXXX XXXX, and told that they were giving up and did not know of anything more they could do. They suggested I file a complaint. I was also contacted by Sun Trust XXXX today, they said they were starting an investigation into why I was treated this way. The XXXX  was not calling to assist me in my efforts, which I found odd. I believe that their company stance is to treat people like this when asking to subordinate a second mortgage. My lender spoke with people within the industry and learned that this is common practice with SunTrust. I would like to seek damages from them and would be interested in knowing how to do such a thing.

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 2022-09-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I consolidated my bank loans and my bank told me my credit file was blank with someone elses name and some medical bills from another state that were not mine. I was told I couldnt get any more loans until I rectified the situation with Equifax and was provided a number. I called equifax and a few weeks later a Received a letter saying they removed a name for my credit report and that is the only notification I received. I am relocating from XXXX XXXX XXXX. I applied for housing and was denied. The denial was because of my credit report with Equifax. I tried to obtain my credit report online and was unable to so I called Equifax and was told there was a fraud indicator and a freeze placed on my credit file and I did not request any of this Equifax can not tell me who requested it and can not tell me when it was placed I am told I have to wait 24 hours and then I have to wait four days to receive a copy of my report and score in the mail I am currently in an uncomfortable position unable to get housing because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 someone logged into my Zelle account and sent {$1000.00} to this XXXX XXXX, Ive contacted my bank since then and made complaints and reports about this problem. I was told by an individual that had a similar situation that I should reach out to your company to get further help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to get a short sale approved and had a forebearance approved. Forebearance expired during this time and I had an accepted offer from a buyer dated XX/XX/2021. As of today there has NOT been an approval on short sale due to an appraisal. First appraiser cancelled on the day of, FREEDOM MORTGAGE keeps saying they would escalate and have a BPO done NOW they are saying because loan is USDA it has to be an interior inspection appraisal. No one calls me back I have to have my realtor call them TWICE a week for months and they knew the forebearance was going to expire. It is almost like they let it expire on purpose to make me have to have a foreclosure. They told me I have to be living in home so I can't even try and look for a place to live. I am a senior citizen and my health is compromised. Now that forebearance is expired. The excuse is that an appraiser has not accepted assignment and the one that did could not do it because he did not have credible comparisons.

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 2017-10-20
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: Investigation took more than 30 days

Complaint:
I mailed a dispute to Experian on XX/XX/XXXX requesting an investigation and removal of a charged-off Capital One Account ending in XXXX, I have yet the results. Experian has failed to comply with the FRCA 30 day requirements and as such I request the account be removed immediately from my tradeline.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX & XXXX ( XXXX Creditor : XXXX  ) XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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