BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act has violated my rights. 
Sec. 4021. Credit protection during COVID-19 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 2017-10-20
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I researched the information, an this debt was back in 2011 .It exceeded the State of Texas statute of limitations Debt collection ACT. 4 years past due. They put it on the credit report to make it look like it just happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX hard inquiry XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ALL HARD INQUIRES has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have experienced identity theft. Please look into the following reports for me as I have already filled out a 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 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Back in XXXX I went into XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX Mo XXXX to purchase a car at this time they received my information ( SSN # ). Fast forward to XXXX I received an email stating my credit report was ran by XXXX XXXX XXXX XXXX on XXXX XXXX. I have not been to this dealership nor inquired on any services from this dealership since XXXX. I contacted the dealership and spoke with the manager where I was informed my information was still on file and my credit was ran by mistake. The manager also notified they would send a letter to the credit agencies to correct their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My date of birth have been changed on my XXXX report. My employers have been changed also. From XX/XX/XXXX-XX/XX/XXXX, my last employer was XXXX XXXX. My first was with XXXX XXXX, next XXXXXX/XX/XXXX- XX/XX/XXXX. XXXX and XXXX  's from XXXX-XXXX. I was employed with XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX.THE SOCIAL SECURITY DEPARTMENT have written a query for me with my EIN numbers from all my employers. To prove who I am. XXXX  refuse to correct their data base. This is how utilities was being stolen. The FBI told me this is an inside job. The US Attorney General office told me the same thing. The entire XXXX XXXX abused your services by stealing my identity. My birth certificate was copied, drivers license, & social security card. I 've to do a lot of research. They 've placed a seven year fraud alert on my credit report. This was do to prevent me from learning who was involved with theft. My late father social security number is being abused. XXXX XXXX is stealing my mail. She 's working with the XXXX XXXX XXXX. My father 's name was XXXX XXXX. XXXX lived with my late father, she 's nothing to me & should n't be touching anything that belong to me. XXXX XXXX made copies of my mortgage papers with my signature. She was on e employed with XXXX & had access to XXXX XXXX. This is how the family got so close to me to gain access of my information. They also stole my mail through the XXXX XXXX XXXX XXXX. XXXX XXXX once worked for the XXXX XXXX in XXXX. She moved to XXXX after they had my father 's XXXX XXXX. This is a very dangerous family, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is an employee of XXXX XXXX XXXX XXXX XXXX. XXXX is also working with the XXXX XXXX. I 've reported this theft to you several times. At the time I did n't know all of my personal information was changed at the credit level. I was established and I had no reason to apply for 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 explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: NE
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:
From XXXX. They and this company never contacted me to ask anything about this bill. Its not mine. Ive asked them to prove it to me. Nothing. 

Report NumberXXXX Date generatedXX/XX/2018 print iconPrint Your Results Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There is an address reporting on my reports that has never been associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 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 2017-07-01
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Quicken loans accepted us for a refi on our home until the appraiser noted that the power was off at our home. A little back story, In our area SE Michigan XXXX is the only elec. provider and when they came around with smart meters we said no, I get XXXX XXXX and XXXX, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which these things which they are calling a meter put out, very high levels in fact.XXXX will tell you that they offer an OPT-Out plan and claim that the transmitter is turned off and when called and asked an operator about this option, they immediatly take offence and get a really nasty attitude and also act like they do n't know about any OPT-OUT plan.I talked to XXXX XXXX @ Quicken loans and he basically told me he could not help me if i did not call XXXX and turn it back on. So XXXX, XXXX XXXX and 3.99 % 15yr fixed with XXXX or 7.75 % adjustable at XXXX XXXX XXXX for another 18yrs.which is what we have now.My complaint is that, it is not like it cant be turned back on. When I told the appraiser our story he looked at me like I was nuts. Quicken loans is making me choose between my wallet or my health.Discrimination, because we dont buy power from the grid in which we only have one choice which is not much of a choice. This wont be the last words on this subject.i Will be emailing, phoning and sending letters. THIS IS JUST WRONG!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have experienced identity theft. Please look into the following reports for me as I have already filled out a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new vehicle on XX/XX/2019 and at that time traded-in my XXXX XXXX XXXX that was finance with Consumer Portfolio Services. Consumer Portfolio Services received the payoff for {$16000.00} on XX/XX/2019 for the XXXX XXXX XXXX. I reviewed the payment history information on their ( CPS ) website ( attached ) that stated the total paid was {$16000.00} to pay the account in full. It broke down the total paid into 3 different categories ( Interest {$470.00}, Principal {$16000.00} and Fee 's {$190.00} ) documenting the total paid {$16000.00}. I knew the dealership sent a payoff of {$16000.00} so I was aware I was due a refund around {$250.00} based on the total paid that was documented. I contacted Consumer Portfolio Services on XX/XX/2019 to inquire about the difference in the total paid and the payoff check received. I spoke with XXXX XXXX who advised me she would escalate the account to be reviewed by audit. I called back on XX/XX/2019 and spoke with a supervisor who basically confirmed that the total paid of {$16000.00} was not accurately document nor was the letter that was sent to me by them. They advised me the total paid was XXXX but that was not document in the payment history on my account nor the letter that I received from them. Due to the documentation shows inaccurate information I am requesting a refund/overpayment of {$260.00}. The company did advise me they was going to do a audit on my account to update the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I settled a charge off with American Express. Amex agrees the account is settled and properly indicates the settlement in its report to XX/XX/XXXX. The account became delinquent in XX/XX/XXXX and XX/XX/XXXX correctly indicates the account will go positive in XX/XX/XXXX. <P/>However, AMEX has inaccurately reported a brand new derogatory payment history which begins in XX/XX/XXXX and results in re-aging my account. This results in a lower credit score. I have attached an excerpt from my XX/XX/XXXX consumer report dated XX/XX/XXXX. <P/>Re-aging of accounts is a violation of the FCRA and damages my credit. I have attempted to resolve this using the dispute process with XX/XX/XXXX. The result of the investigation was NO correction to this issue. Having exhausted the dispute process, I am hoping the CFPB can assist in resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am filing a new complaint to dispute the response that American Express recently provided to my CFPB complaint # XXXX, with their Ref : XXXX. 

In their correspondence dated XXXX XXXX, XXXX, they assert that they reviewed a call on XXXX XXXX, XXXX in which I was offered the pay over time feature, that the representative read me a disclosure and that I agreed to the enrollment. 

American Express has clearly changed their position, as stated in their response. In the two previous and lengthy calls that I had with them concerning this complaint, the representatives and the managers who I spoke with, after putting me on hold for long stretches at a time, were insistent to me that I had elected to enroll in this feature online, on the XXXX website. And that this was also the reason they could n't show me any further proof of this transaction. 

So they have now changed their story from what they had adamantly represented as taking place online. I do not want an apology for the 'misunderstanding ' as they referred to it -- what I want is the proof. If in fact they 'reviewed a call on XXXX XXXX, XXXX ', then clearly they have it on tape and I am requesting that this recording be played for me as evidence of their new claim. If in fact these calls are recorded for just this purpose, then it should not be an issue to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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:
I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that doesn't belong to me or I never authorized. I notified my aunt whom is a lawyer and she instructed me to follow these steps by filing a complaint. So far no action was taken by the companies as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My identity was stolen a few years ago, and I finally deleted all the credit CARDS that I didn't open, but I haven't checked the equifax credit report. Recently, I checked the report, and the previous XXXX credit CARDS are still in my credit report! The other two credit reports are not showing up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have experienced identity theft. Please look into the following reports for me as I have already filled out a 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 2017-11-07
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
the car that was bought in american honda was NOT me.i never bought that XXXX XXXX XXXX nor did i ever apply for credit! PLEASE understand that i never gave anyone permission to buy any purchased or use my name for any reason at all! the service i reserved on behalf of american honda was truly disrespectful from the management team from from store XXXX XXXX XXXX n.j ... ive been seek for help and i feel like im in not getting no result! ive tired just about everthing please help me get some answer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: CMG MORTGAGE, INC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have now requested that the amount being held for overpayment to be sent to me. After multiple attempts the company continues to advise me that it could be up to 40 business days to issue a refund of the amount I overpaid at closing. The amount is over XXXX dollars and is being held by the company. I have requested it be overnighted to me and they refuse. I have attempted to request this payment to be reissued and sent out to me, and they have delayed and delayed and still have not sent the check that was supposed to be issued to me in XXXX. It is now XXXX and they still refuse to send the check back to me. Please assist me with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX account was settled a couple of months ago. Transunion, XXXX and XXXX are not showing the correct information on balances, that the account was settled and amount paid, etc. This information needs to be updated to be correct or delete this accounts from the the reports.

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 2019-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. 

It a second issue. The first issue was resolved. Please do not kick this back again. 

Bank of America is not reporting my credit history correctly. The first issue was about the correct first payment date. This A SEPARATE ISSUE. It is about an incorrect payment history. 


THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.

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 2023-03-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following unauthorized hard inquiries has placed a negative effect on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRUIST FINANCIAL CORPORATION
State: AL
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:
SunTrust opened a bank account in my name in XX/XX/XXXX which has been determined to be fraud. However, the inquiry is STILL ON MY REPORT as LightStream and has NOT been removed. SunTrust Bank ( SunTrust ) merged with Branch Banking and Trust Company, a North Carolina banking corporation ( BB & T ) and the combined bank is now known as Truist Bank ( Truist ). LightStream is a division of Truist. I have asked XXXX to remove it, SunTrust has promised me that they would remove ANY reporting, but as of today XX/XX/XXXX, the inquiry is still there. I did not authorize it and I want it removed immediately or a financial penalty invoked. This is nearly 6 months later and the inquiry is still present. It took SunTrust several weeks to close the fraudulent account and STOP sending me statements as if I actually opened the account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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: Their investigation did not fix an error on your report

Complaint:
I have submitted 3 requests to Equifax to have the debt XXXX XXXX deleted from my Credit Bureau since it's more than 7 years old. By law, this debt should be deleted!!! I want to know what Legal actions I can take again Equifax???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: WI
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 sent a certified letter to all three credit bureaus, requesting to have this closed account from XXXX XX/XX/13 removed/ deleted from my credit reports. It has been well over 90 days and I haven't heard anything from them not have the account been deleted. This violates the FCRA law that States that the bureaus has a responsibility to respond to the request of all consumers within a timely manner.

Company response to consumer: Closed with explanation