BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Click n' Close, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I over nighted a check to this company from an insurance claim. They stated In would get a partial draw on XX/XX/XXXX but never sent it. They also stated I would get a partial draw around the XXXX of this month ( XXXX ) and never received one. Then I received a call on XX/XX/XXXX stating I would get a full draw and they would send it XXXX day air. I never received it. I called back to check the status on XX/XX/XXXX, XXXX days after the last promise, and was advised it was never sent out at all. The loss drafts rep said she contacted a XXXX and stated they " will take care of that today. '' So it has not been sent to me as promised l. I then requested it be over nighted as this was yet again their error and she said it will be XXXX day air but that she can request it be overnighted. I have yet to be able to pay any contractors due to the negligence of Mid America Mortgage. I submitted this check to them on XXXX and they received it XXXX but did not log it until XX/XX/XXXX and also refused to send me the check they owe me and it has been over XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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:
I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I have previously brought to the attention of TransUnion. Despite my initial contact on XX/XX/XXXX, I have not received a response from them to date. As a result, I am seeking your assistance in resolving this matter. 

The following details outline the specific inaccuracies and necessary corrections that I require : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} The aforementioned account has never been late on any payments. Therefore, I kindly request that TransUnion removes the late payment notation associated with this account from my credit report. 
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$36000.00} I would like to bring to your attention that the information pertaining to this account on my credit report is inaccurate. Specifically, I request that TransUnion corrects or updates this erroneous information accordingly. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$1100.00} I want to highlight that the account mentioned above does not belong to me. Therefore, I insist that TransUnion removes this account entirely from 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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account number : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
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:
Experian allowed the following company to look at my credit report without my authorization. This is illegal and subject to FCRA lawsuit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( 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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Personal information is incorrect adresses

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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX # XXXX .... 
XXXX # XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-04-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account Resolution Services ( ARS ) is violating my rights under the NO SURPRISE ACT of 2022. I have a medical bill that a provider is claiming is out of network which is not accurate. Furthermore, they are charging me without my prior authorization. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: U.S. BANCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I was told by US Bank XXXX that I qualify for early lease turn in, XXXX. I called and spoke to a person at the US Bank XXXX XXXX department. He went over that I qualified for the early lease turn in. The agreement that the vehicle would be picked up at my residence, the remaining lease payments would be waived, and I would receive XXXX payments within 60 days after the vehicle was taken. I thought about it and called back the beginning of XXXX and agreed to this. I asked if I would be charged a payment once I agreed and they said no. I asked several times if I would be charged and he said no. I made Auto payments for almost 3 years and the auto pay can not be turned off online by me, so the person I asked would have had to turn it off. The auction company called and told me a person would be calling me to pick up the vehicle at my house. XXXX at XXXX XXXX called and we set it up for pick up and I told him I would meet at XXXX so it would be easier for them to load the car. After XXXX cancelations on their end, a driver called on the XXXX of XXXX and I met him at XXXX. I saw on my banking statement on the XXXX of XXXX, US Bank charged me. I was not expecting that since I already purchased another vehicle, still had insurance on the truck even after it was picked up. I called US bank back asking for the refund on that payment. They said that was unfortunate, but I would have to wait 60 days. I stated I though that was 60 days for the XXXX payments, but I was not expecting the XXXX. I called back a total of XXXX more times and on Friday the XXXX I spoke with someone, and they put me through to a manager. Her name was XXXX and she said she was escalating this, and she agreed I should get that payment sooner. She said the service person reading me the agreement should have turned off the auto pay on their end. She said she was going to submit the ticket and call me back Monday. She also said if I didn't get it resolved on US Banks end to dispute with my bank. No call on Monday, but I called back on Tuesday XX/XX/XXXX and the person who I spoke with read notes that I was XXXX receive XXXX payments in 60 days after the sale of the truck at auction. She never said anything about what XXXX said and also said she never heard of this person. I went ahead and disputed with XXXX ( my bank ). I feel this has been happening a lot with US Bank XXXX and after reading reviews from other people, US bank should be accountable. I've made auto payments for almost 3 years ; I was never late. They made money off me and sold the truck for a profit. If I was late, I would have had to pay late charges and interest. I feel they made an offer for the early lease turn in, they should abide as agreed.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contact the credit bureau to have them remove these inquiries off my credit report and I got a response back stated these items are not removed and I'm request this again to have it removed immediately! None of these inquires are mines. I have not never contact these companies nor gave these companies my information to have them check my credit profile. 

Please have these remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I'm XXXX XXXX have this remove or Ill have to procced with legal actions.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is being filed as the company failed to adequately respond to the XXXX complaint regarding medical debt. 
The company is outside the law when it comes to reporting medical debt. They are not allowed to report medical debt until it is at least 365 days past due The provider of the loan is irrelevant as to the definition of medical debt The legal definition of medical debt is debt that arose from the receipt of medical services, products or devices. See attachments Debt that arose from the receipt of medical services can not be reported until its at least 365 days past due.

After a life-threatening illness I was forced to have medical debt/ debt that arose from the receipt of medical services

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX reported and inquiry on my personal credit report. I am very concerned regarding the serious possibility that Experian XXXX XXXX has not followed the permissible purpose provisions of the federal FCRA. A credit inquiry from Experian XXXX XXXX was placed within my credit inquiry file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon CFPB to follow the law : Either provide documentation that the law was followed by contacting Experian XXXX XXXX at once, or remove these offending inquiries as soon as possible.

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 2023-02-02
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was billed by XXXX XXXX of Colorado through a finance collection agency call Professional Finance. I've never received a bill from XXXX XXXX and this was put on my credit report and for collections for two instances of {$170.00} each. This is a clear XXXX violation and I will take action against both of these companies for reporting XXXX information to a third party without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contact the credit bureau to have them remove these inquiries off my credit report and I got a response back stated these items are not removed and I'm request this again to have it removed immediately! None of these inquires are mines. I have not never contact these companies nor gave these companies my information to have them check my credit profile. 

Please have these remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm XXXX XXXX have this remove or Ill have to procced with legal actions.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-03-07
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: Information belongs to someone else

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete the following items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed a Police Report with the XXXX Police Department and Submitted the Police Report via Certified mail to all 3 bureaus Experian, XXXX, XXXX. Requesting to delete all fraudulent accounts written on the police report and FTC report submitted XX/XX/XXXX. They have not deleted the accounts. 
I respectfully request the help and assistance of the CFPB to assist me in removing these negative fraudulent accounts from my consumer report as per 15.USC 1681 E. Experian XXXX XXXX, XXXX ( VIOLATING MY RIGHT TO PRIVACY BY REPORTING INCORRECT INFORMATION ON MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX Account number XXXX. 
Amount {$220000.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount {$21000.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount {$3700.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$9300.00} Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Amount {$10000.00} Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Amount {$25000.00} Date 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 non-monetary relief
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX Balance : {$28000.00}

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 2023-05-19
Company: EQUIFAX, INC.
State: MO
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:
This is being filed as the company failed to adequately respond to the XXXX complaint regarding medical debt. 
The company is outside the law when it comes to reporting medical debt. They are not allowed to report medical debt until it is at least 365 days past due The provider of the loan is irrelevant as to the definition of medical debt The legal definition of medical debt is debt that arose from the receipt of medical services, products or devices. See attachments Debt that arose from the receipt of medical services can not be reported until its at least 365 days past due. 
After a life-threatening illness I was forced to have medical debt/ debt that arose from the receipt of medical services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
It has come to my attention that XXXX XXXX is reporting information on my consumer report ( Equifax ) with out my consent. Pursuant to 15 U.S.C 6802 states that a financial institution may not directly or though any affiliate disclose to a nonaffiliate third party any personal information. XXXX XXXX is in violation of this code. I demand this item be deleted immediately or I will file a lawsuit for deformation of character and willful noncompliance.

Company response to consumer: Closed with explanation