BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-07-29
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: Account information incorrect

Complaint:
I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}

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 2023-11-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I went over my credit report I see there are 12 of inaccuracies. Among the 3 credit agencies which are a violation to the consumer ( me ) 15 usc 1681e. 15 U.S Code 1681n I will be taking legal action against XXXX, XXXX, Experian. For reporting inaccuracies on my report. because of this I have been denied credit. Also my credit report has gone down drastically. This is DEFAMATION.

These accounts either have different amounts different names, Or some say they are closed, while they are still opened on another report. 
These are the accounts with the inaccuracies : 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
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 XXXXXXXX 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 2023-10-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 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 2023-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX Bank, Account # : XXXX, Account Name : XXXX  XXXX, Account # : XXXX, Account Name : XXXX  XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 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 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 non-monetary relief
Consumer complaint received 2023-11-04
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank advertises on its website that upon checking bank account opening they provide bonus cash offer after certain conditions are met. Back in XX/XX/2023, I opened a checking account online through the citibank website. At the time the offer was XXXX $ bonus rewards upon opening checking account and maintaining XXXX $ balance in the account for 70 days after 20 days of account opening. I have fulfilled all the terms of the account and when I checked back with the citibank representative they confirmed that the conditions are met but still the rewards isn't being issued. They created a ticket for their backoffice to investigate and I am being asked for email communication or letter from the bank confirming the offer. I didn't receive any such communication besides citibank has that offer on their website even today but with changed terms. I have done several follow ups with the bank and each representative gives me different answers. I am tired of their poor customer service and very disappointed in them. I feel cheated by the bank. I need this to be resolved.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 has been providing inaccurate credit report data to lenders upon request, that contain data that does NOT actually exist on my credit report, but HAS GREATLY AFFECTED APPROVAL ODDS ; Such as, ( FALSE REPORTING - " BANKRUPTCY/PUBLIC RECORD '' ) when neither exist on my credit report! 


XX/XX/2023, XXXX pulled my report and I did NOT receive any alert or reference number. An error message of " can not process, try again later '' appeared after my request. 
I was not aware this inquiry had been actually processed due to the error message and lack of notification, reference number nor alert from XXXX nor Experian, and it's being hidden in Plain sight. 

The inquiries on my file are listed in chronological order EXCEPT XXXX  which should have been the first inquiry listed, but instead it is listed between the months of XXXX. Although, it's XXXX and the last inquiry requested this year. 

Upon calling XXXX for further information about this inquiry, I was then informed the request had been DECLINED for several reasons such as : Too many inquiries, PUBLIC RECORD / BANKRUPTCY and several other adverse reasons that are NOT RELEVEANT OR INCLUSIVE TO CREDIT APPROVAL. 

Experian is also screening my calls. Unable to speak with a live agent. Automated system claims my information ( ssn and zip code ) does not match, although it does. 

Experian claims their company only provides reports to lenders, but actually seems to be playing the initial hand in my applications being DECLINED/DENIED, by using subtle DISCRIMINATION through the forms of REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT and CONTINOUSLY denying me CREDIT, DESPITE having NO ADVERSE INFORMATION AND AN AVERAGE CREDIT SCORE in the upper XXXX, based on INCONSISTENT BASIS OF APPROVAL. 

Violation of FAIR LENDING LAWS, FCRA, ECOA TITLE VII OF CFPB and the CIVIL RIGHTS ACT of 1866. 

My score, TAMPERED WITH, also dropped XXXX XXXX  from this " hidden XXXX inquiry '' resulting in a DECLINED NOT DENIED APPLICATION. 

I HAVE VERY GOOD REPORTING HISTORY AS FAR AS PAYMENTS, AND CLOSED BALANCES FROM OVER 6 YEARS AGO TOTALING LESS THAN {$900.00}. 

I WOULD NOT HAVE SO MANY INQUIRIES IF I were NOT targeted and profiled through UNFAIR LENDING PRACTICES such as, REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT by Experian. 
EACH TIME I submit a request FOR CREDIT. 

FOR THE LAST 6 MONTHS I HAVE BEEN DEALING WITH UNFAIR/DECEPTIVE PRACTICES by Experian and others to the point of exhaustion! 

Bureaus should be REQUIRED to have more EFFECTIVE laws governing the practice and USE/DISTRIBUTION OF CONSUMER REPORTS with TRANSPARENCY.

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 2023-10-09
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
Me and my mothers are VICTIMS of lender negligence and malpractice. Navy Federal Credit had -Wrongful failed to honor a loan commitment
; -Deliberately creating numbers in Underwriting to create a high dti which did not exist - Improperly changed terms and rates without giving proper notice or following proper legal procedures ; - Breached a fiduciary duty to close knowing our deposit would not be returned if defaulted on closing. 

My mother and I complained to CFPB on XX/XX/XXXX ( online XX/XX/XXXX # XXXX ) when there still was a chance we could still get the townhome if NFCU cleared XXXX as the selling price. I emailed XXXX XXXX and 5 other managers on XX/XX/XXXX no response to emails or calls. A guy from security told me to stop calling and I would receive a letter. My closing attorney XXXX XXXX XXXX XXXX had spoken to XXXX XXXX before who said the head underwriter was reviewing and would get back to him, and did not. So XXXX sent her a letter & email to warn her that the seller had a cash buyer and would be keeping my deposit. No response, so the townhouse was sold on my birthday XX/XX/XXXX. A week after we receive a letter stating loan declined because of dti. This was a false claim as we have emails and documents of the rate lock, all tasks completed and we had certificate approval from the HOA. There was no legal reason not to close and we were discriminated. 
My mother is devastated as we had to move our belongings into storage as we moved XXXX from XXXX XXXX XXXX  for the scheduled closing on XXXX. NO ONE at NFCU has followup or even called the closing attorney. We had to hire another lawyer to file a lis pendens but it was too late, so we lost {$1000.00} more retaining attorney, then {$2000.00} mortgage processing fees and none of this rejection made any sense. At the time of closing we had over {$300000.00} in NFCU savings and the mortgage was for {$360000.00}. 
We have a low dti as we have homes paid off. My mother was downsizing into her dream home when the rates were XXXX %. Now the value of the home is $ XXXX and rates at XXXX %. We did not want any lender, we wanted loan where our money is saved for autodeposits. It makes no sense how a XXXX XXXX XXXXXXXX who just lost her XXXX husband can get denied and left homeless. NFCU should be penalized and forced to pay us to purchase a comparable home because this error was a major defeat. XXXX XXXX real estate is hard to acquire, and a waterfront townhome under {$500000.00} will never find again.. it was a once in a lifetime opportunity because I knew the HOA president . There was atleast 4 offers on that house the first day it listed. 
We are very dissappointed and hurt by NFCU and how loyal clients are treated with no value or respect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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

Company response to consumer: In progress
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
USDOE/XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account XXXX loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.AC 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumers to any 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 2022-12-06
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sent COMENITY CAPITAL/XXXX a letter on XX/XX/2022 to remove from my credit reports due to failure to provide a binding contract with XXXX signatures. COMENITY CAPITALXXXX also did not provide a written consent giving authorization to access my credit report per consumer protection law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or a 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