BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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.

The letters are stated with items and issues.

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 2023-02-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was trying to make a mobile deposit around a year ago for around {$79.00} and I made a small error and tried correcting it where my account was flagged with fraud. When I got flagged with fraud, I got locked out of my account. I called them and was then transferred to the fraud department and explained to them everything and they told me it was an honest error and they would try to fix it. I couldn't login into my account because it was being reviewed. I then started being charged every month in fees until I went negative, then I received another letter after a while saying my account has been closed and my negative balance has been removed. My account was already closed so not sure why I'm even still getting letters. I never got any of the money I tried to deposit, they took all of it. Today, they sent me a settlement letter stating I have to pay {$26.00} in debt. What am I in debt for? They took the very money I tried to deposit. They charged me in fees and left me with {$15.00}, which was all used up in more fees but my account was already confirmed closed, so how and why was I being charged? It stayed quiet until today XX/XX/XXXX which is when I got the settlement letter.

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 2022-10-14
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What else should I say? Again, this situation is making me sick! Transunion and CFPB are unresponsive to my complaint. I keep sending numerous sets of letters to Transunion so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this fraudulent account affect my credit score. They are bound to comply with the FCRA regulation section 605b but I think they are inattentive about this matter. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Transunion. Also, I have sent my FTC report to them but still, nothing has changed. I have reached out to the furnisher and they agreed to delete the account from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. They became neglectful of the FCRA law and continued reporting this information on my Credit File without Proper Confirmation or Investigation. I am an identity theft victim and I want you to do your part and DELETE the account that caused me so much stress. 

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Ive tried to resolving these accounts t thats reporting false information. A collection was recently deleted off my reports in XXXX. A new company named : XXXX XXXX  or XXXX XXXX XXXXreinserted this deleted account a week later without my knowledge. According to fcra section 611 ( a ) ( 1 ) ( A ) a debt collector must notify a consumer in writing within five days of their initial communication that they are attempting to collect a debt. Ive never received any notification which is a violation of my rights. Also according to fcra section 611 ( a ) ( 5 ) the debt collector must provide a consumer with an opportunity to dispute the debt within 30 days of receiving initial notice. Ive never been awarded that opportunity to dispute this already deleted account. This is a blatant violation of my rights. It also looks like they are reporting this as a new account. My credit scores have been effected dramatically. 
This may not be my account. I never opened this account. I think someone used my SSN XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX is the name of this collection agency who is batantly violating my rights. XXXX and TransUnion are reporting this account The account was purchased from XXXX XXXX XXXX in XX/XX/2023 Original creditor is 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 2023-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023 I sent a dispute letter to XXXX along with my ID I received an email on XX/XX/2023 that it does not appear to be sent by me. I did send the letter and I feel that they are violating my rights by stalling and not having to look into the account. This is not the first time XXXX has done this to me. I sent letters on these dates for the same account and received the stall letter each time XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and now XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
CITI Bank had on many ocassions attempted to get me to submit an application for their balance transfer card. After being hounded relentlisly, I did complete an application. The card was for {$7900.00} transfer. I then received a denial for the card and my credit score had droped considerably. When I attempted to seek a resolution, my calls were not returned. My most recent and response is stating that I have a card, and this is fraudulent and unlawful. See attached, Hi. XXXX. We've closed your Citi XXXX XXXX Mastercard since it's been inactive for several months and based on information from your credit report. You may no longer make transactions on this account. Please immediately destroy all cards on this account and notify any users that it is closed. 
This is fraud and need to be prosicuted at the highest level. I'm asking for a speedy response.

Thi is a followup to my initial complaint. The attached is the latest dated XX/XX/2023.

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 2023-04-15
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity theft. 
Account info Account name AFNI , INC . 
Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$1100.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report and didn't recognize them at all. Last 2019 my car was stolen and I have all the important documents on it such us my ID, Social Card and some of my company 's documents too. Please see attached documents uploaded a police report and the list of the accounts and inquiries that I didn't know.

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 2023-04-16
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Basically, the collection agency ( NATIONAL CREDIT ADJUSTERS ) drudged up a XXXX year old debt and stuck in on my credit report. THIS DEBT IS COMPLETELY PAID OFF ... .BUT NATIONAL CREDIT ADJUSTERS WILL NOT REMOVE THE COLLECTION FROM THE 3 CREDIT REPORTING AGENCIES! THIS COMPANY IS FAMOUS FOR THIS AND ITS ALL OVER THE INTERNET. I DON'T REMEMBER HAVING THIS ORIGINAL DEBT ANYWAYS BUT I PAID IT OFF THINKING NATIONAL CREDIT ADJUSTERS WOULD REMOVE IT FROM MY CREDIT FILES. PLEASE CRACK DOWN ON THIS COLLECTION AGENCY 'S ILLEGAL ACTIVITIES. THEY ARE RUINING THOUSAND OF CONSUMERS CREDIT SCORE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
BMW financial services has not provided me with lien release for my vehicle despite the fact that I paid off loan months ago. They keep saying they will send it to me but never so despite many calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: CA
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: Reporting company used your report improperly

Complaint:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 It's been longer than 30 days and the company has not responded. 

The needed to respond within 30 days by law. 

They must remove it now.

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 2023-04-17
Company: Collection Bureau of the Hudson Valley, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this dept is not mine I called the company previously several times. I offered to pay because I didn't want in my credit report they refused to take money now this thing is in my credit report. I did not get this account my daughter ordered cable I 2020 when coded started she is responsible foe the bill. I did not t this bill what license did they get to show proof that I got this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Account was escrowed for insurance when I had my own, with no lapse in coverage. I am told by customer support they will credit my account but have not since XXXX of this year. I have stopped paying my escrow and am now late on my payments according to their records. I have spent at least XXXX on the phone with customer service trying to get this resolved. I am told each time it takes up to XXXX days to take care of the problem and they assure me it will be. Still no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my persistent 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 significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX account information incorrect

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 2023-03-31
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-07-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Eastern Account Systems of Connecticut, Inc.
State: NC
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:
On XX/XX/2023, XXXX credit bureau collided with XXXXXXXX XXXX XXXXXXXX ( a fraudulent company ) to harm my financial reputation. 

XXXX allowed XXXX to reopen a closed account to deliberately affect my credit score. 

This account has been challenged as fraudulent, and a cease and desist order has been placed upon them. 

They violated such order by contacting XXXX to update my credit profile without deleting the identity theft information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to buy a home since XX/XX/2022. Equifax is not allowing my lender to pull my equifax report. I have updated my address disputed my sons social security number from showing up on my equifax report and nothing has been done. My lender is receiving an alert from equifax when they try and pull my equifax report and its stating fraudulent the consumer report youre trying to access has been identified as fraudulent. Its prohibiting me from buying a home for my family. I need it taken care of as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 : XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$610.00}

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 2023-03-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the COVID-19 me, my wife lost our jobs so we had a hard time paying. They advised us to go into forbearance so we did in a process trying to find a best career that pays the best money so I became a XXXX XXXX and I created a XXXX business but Wife is now working at a XXXX XXXX and we have a XXXX year old girl I was explaining to the to the bank, citizens bank about a hardship, and how I can pay the mortgage I apply for the loan modification they dragged it out for two years they would not except any payments or partial payments. When I even had the money now the loan is over 30 % of the loan they said I never knew that so they were denied my loan modification. They keep telling me. Oh yeah, were going to help they the lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 checked again my credit report and found that some of the data werestill incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation