BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the XXXX file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-10-18
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 601 states i have a right to privacy, 15 usc 1681 section 604a 2 also states a consumer reporting agency can not furnish an account without my written instructions, 15 usc section 1666b a creditor may not treat a payment on a credit card account under an open ended consumer plan as late for any purpose. My data was breached by the cfpb, XXXX, transunion and 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 2022-07-02
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My husband and I have been leasing a Honda XXXX for over two years now with Honda. However, they have not been reporting our lease payments on our auto loan to credit bureaus. I have called Honda Financial 5 times since XX/XX/XXXX in which they advised me that they have fixed issue and will report all payments to credit bureaus for my husband and I as this has happened to multiple of there clients. They also advised that they were aware of issue but only report if customer requests. However the issue still has not been fixed. Due to this my husband and my credit report is inaccurate as it shows we never had an auto loan when in fact we do. I attempted 3 times to speak to or get a call back from manager. However I never received one. All the representatives state is that the issue has been fixed when its not. This is affecting my husband and I tremendously as our credit scores are inaccurate. I have only been late on XXXX payment out of XXXX so far. All our payments are on time. I find it ridiculous that they still have not fixed issue but expect payments to be on time. They call me if Im a day late with payment but cant seem to fix issue of making sure it reports to credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
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: Credit inquiries on your report that you don't recognize

Complaint:
these companies ran my credit without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are all unverified and unauthorized .... they are showing on TransUnion this company ran my credit without my permission also XXXX ) XX/XX/XXXXXXXX XXXX XXXX  account is being reported through 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 2022-09-22
Company: Mortgage Research Center, LLC
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: Investigation took more than 30 days

Complaint:
XXXX supervisor XXXX XXXX told me steps to follow to have an unauthorized hard inquiry removed when vendor refuses to cooperate XXXX file XXXX Ftc report XXXX All documentation was submitted via usps to XXXX address numerous times the last being XX/XX/22 XXXX refuses to remove unauthorized hard inquiry by XXXX XXXX of Veterans United home loans Since vendor refuses to cooperate XXXX said if proper ID and FTC report and letter are received the hard inquiry of XXXX XXXX will be removed Now I am told it can not be removed

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 2022-07-02
Company: DISCOVER BANK
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/22 Discover Bank froze all my accounts ; I was told that this was because there was suspicious activity on the account. I spent a total of 4 hours waiting on hold before I was able to get through to their Security team.

I spoke with a Security team member and attempted to resolve the issue, but instead of unfreezing my account, I was unexpectedly told that as a " business decision '' all my accounts were being closed and that I would receive a check for any remaining funds in 60 to 90 days. I was given no specifics as to why my accounts were being closed. I do not understand how this escalated from my account being frozen to my account being closed. 

Because they closed all my accounts ( checking and savings ), I have lost access to funds I need to pay my bills for at least the next 2 months. As their actions coincided with the first of the month, I wasn't able to pay my rent on time and I will be forced to pay almost XXXX dollars in late fees and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022

Company response to consumer: In progress
Consumer complaint received 2022-09-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX supervisor XXXX XXXX told me steps to follow to have an unauthorized hard inquiry removed when vendor refuses to cooperate XXXX file XXXX Ftc report XXXX All documentation was submitted via usps to XXXX address numerous times the last being XX/XX/22 XXXX refuses to remove unauthorized hard inquiry by XXXX XXXX of XXXX XXXX XXXX XXXX Since vendor refuses to cooperate XXXX said if proper ID and FTC report and letter are received the hard inquiry of XXXX XXXX will be removed Now I am told it can not be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Four Directions Lending LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was speaking to a loan agent while on my break at work and they had to contact an agency to make sure they could finalize the loan and I told them to call me back so I could give them confirmation that I still wanted the loan. I was unable to answer the phone due to being at work and they went ahead and finalize the loan without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This investigation is for the IMPROPER USE OF MY CREDIT REPORT AND VIOLATION OF MY RIGHTS TO PRIVACY. 

The credit bureau TRANSUNION stated my account was properly investigated and verified. This was not an verification based investigation. This investigation is for the IMPROPER USE OF MY CREDIT REPORT AND VIOLATION OF MY RIGHTS TO PRIVACY I reached out to Transunion because according to federal guidelines 15 U.S. Code 1681 I have the right to privacy and requested that they removed the account # XXXX from XXXX  XXXX XXXX XXXX from my credit report in the amount of {$360.00}.

I contacted Transunion multiple times with the final time being today XX/XX/2022 The law states " ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy '' My right to privacy has been violated and I have reached out to this company.

The law also states under 15 U.S. Code 1681b A Section 2 ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I've never gave written consent for this account to furnish my credit report and Transunion is not doing a proper investigation on my credit report being used improperly.

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 2022-07-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
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: Information belongs to someone else

Complaint:
I have been receiving text messages from those who claim to be from Citizens bank. All three messages Ive received thus far have been from 3 different phone numbers. Each message reads : [ Citizens Bank Alert ] : Unknown activity detected on your account. 
Secure your account here immediately XXXX XXXX XXXX XXXXXXXX I did not enter into this link because I believe it to be a scam made to hack my phone and to find my actual banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CHARLES SCHWAB CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Charles Schwab Brokerage and XXXX XXXX XXXX XXXX. Opened account XX/XX/XXXX. Funded account with {$500.00} on XX/XX/XXXX. Was not able to log in short after. Called on XX/XX/XXXX and verified identity. Was told to wait for fraud team to unlock account. Called on XX/XX/XXXX and was told the same thing. Called on XX/XX/XXXX and again told the same thing. 
Can not login as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: LEXISNEXIS
State: VA
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached and FTC report with an account and inquiries I did not authorize

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 2022-07-02
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Rocket 's escrow team has made many errors in inputting our home value which has caused our mortgage to increase by {$300.00} with added late fees that we can not pay. Due to Rockets continued mistakes after multiple attempts at requesting attention to the report, and many wasted hours, we are still looking at a delinquent account and are simply told we have to pay this incorrect mortgage amount. We have had a mortgage amount of $ XXXX since we purchased our home XXXX XXXX and we overpaid escrow by over {$2000.00} last year. Since we have updated our tax records ( in XX/XX/XXXX ), our mortgage should be less than what we have been paying ( $ XXXX ) to reflect 50 % tax exemption. 

Rather XXXX XXXX, we receive a notice reporting our escrow analysis caused our mortgage increased to {$1500.00}. 

Again, XXXX XXXX we receive a notice reporting our mortgage continues to be the incorrect amount of $ XXXXbut includes late fees and " other fees '' causing our total owed to be {$1700.00}. 

XXXX XXXX we receive notice we continue to owe {$1600.00} We spoke to many rocket call agents who simply told us we had to pay this incorrect mortgage and legally it takes 30 days to change a mortgage payment. We explained that is irrelevant to our situation as this is rockets errors and mistakes. Our attempts at getting Rocket to fix these mistakes continue to remained ignored. 

Finally XXXX XXXX XXXX XXXX XXXX ( escalation specialist ) stated he would be able to assist us and fix our account by XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX called, reported he has not had a chance to review issues but will be back in touch XXXX XXXX. I agreed that would be okay but still needed explanations for the 3 incorrect escrow analysis and findings for why our home value is incorrectly assessed at {$440000.00}. 

XXXX XXXX XXXX XXXX called stating escrow analysis still not completed. Stated it would be completed by XXXX XXXX XXXX XXXX Servicing Escalation Specialist Rocket Mortgage T ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation