BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, representatives signed for the certified dispute letters that was sent to XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX Funding for the accounts on my consumer reports. I have not been notified of status of the investigation neither did the company notify the credit bureaus for them to leave the comment required by law stating the the account was in dispute within 30 days. The companies mentioned above have broken the law and I'm requesting that the negative accounts be removed from my consumer 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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 made a payment on XX/XX/XXXX that would equal two months of payment. But on XX/XX/XXXX I decided to go ahead and simply pay the balance so I had no more additional monthly payments to make. That information was not updated on my credit report and so I filed a dispute to have it corrected. The information was corrected on my report and it remained corrected for only 3  days. It automatically, for some reason, reverted back to the balance owed before I made the two payments. I contacted both the company and Transunion about the dispute not correcting the error and follow that up with another dispute. TransUnion close that dispute within a couple of days and said that it was investigated and the information was correct. I have XXXX  XXXX  statement showing the payments I also have a statement from the company showing the balance of XXXX and Transunion refuses to fix it it is affecting my credit score to the point that I was denied a new card.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 USC 1681. 

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 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 an account without my written instuctions.

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 a 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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The fact that the info is not being reported the same across all three agencies is a violation of 15 USC 1681. All info should be reporting fair and accurately according to this code. This account is also older than 7 year and should not be reporting on my consumer 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 2023-01-26
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Did not receive enough information to verify this debt.

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 2023-01-26
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon checking my credit report saw this as a collections account I have never opened a line of credit with XXXX XXXX XXXX and never used any of their checking accounts only had roadside assistance and used to have insurance with them until leaving due to false estimates for coverage No mail has been received regarding debt and or notification that this exists since 2021 Id like this removed from my credit report as this debt doesnt exist and or notification wirh verification hasnt been received by me in over two years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 XXXXXXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX 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 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 2023-05-04
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: Personal information incorrect

Complaint:
I called Equifax and asked if my personal information could be updated because all of my personal information is either missing or incorrect. I spoke with a Front supervisor ( XXXX ) after not getting an answer on why my report had new accounts on it if the information never matched to begin with. He became very irate, wouldnt give me his superiors information and told me to report him to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
The consumer reporting agencies has fail to fulfill their vital role to ensure that my consumer report. is fair and accurate to me as the consumer. I have not given none of these furnishers or consumer reporting agencies MY WRITTEN CONSENT to furnish this information on my consumer report. I have a right to privacy in which are being deprived of at the moment.

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 2023-04-01
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 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  ( Finance ), XXXX XXXX XXXX ( Bank ), XXXX XXXX ( Bank ), XXXX ( Finance ), XXXX IXXXX XXXX  ( Finance ), XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Auto ), XXXX XXXX XXXXXXXX ( Bank ), XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) , XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX XXXX Bank ), XXXX Card Services ( Bank ), XXXX XXXX XXXX  ( Bank ) , XXXX ( Bank ), XXXX XXXX XXXX and 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 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the 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 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 2023-04-02
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: Public record information inaccurate

Complaint:
I requested credit bureau multiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA.

They failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. 

Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies.

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 2023-05-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I do not have a credit card number to provide because I dont have the card and they wont provide it. All I know is it ends in XXXX. In order to get the number they said they needed to send me a new card. More confusion. 


Credit card issuer Citi Rewards+ is unable to provide details of a purchase/s that they say was made and Ive been paying on monthly for two years. Im not sure how long Ive been paying because I have no information provided to me on their website before XX/XX/2023. 

A new number was issued they said, and a new card was supposedly sent out that I never received. I asked if anything was activated- no. 

Online statements start in XX/XX/2023. Two supervisors looked back on the old number and show no purchases. One said there was a loan made but could not see details. I have never taken a citi loan nor do I recognize or have any documentation of this new number they are crediting my payments to. 

I requested full documentation, as I have no information to go on via their website and the agent was not able to provide additional details other than mailing in 7-10 business days, which she acknowledged did not show details. She then said file a complaint with the fraud department, which she did. 

Further more, they said I called in in XXXX to dispute charges I didnt recognize. However- there are and have not been any charges to dispute in years, per three agents. I can only see back to XXXX and would, not have any reason to disput e charges that don't exist. I did not receive a new card. 
Ive been paying XXXX XXXX  month in autopay, for how long I am not able to see. I would like to know and see detailed documentation what it is Im paying on and for how long.

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 2023-09-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Carrington Mortgage Services , LLC falsely reported our loan as delinquent to the credit reporting agencies for my spouse and myself, which is showing up as a major derogatory mark on our credit reports. In XX/XX/2022 we were offered general terms of a Mortgage Modification from XXXX with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/2022 and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. 

Carrington is saying they never received the paperwork from XXXX ; XXXX is saying they sent everything. 

We are NOT DELINQUENT, rather XXXX and/or Carrington are delinquenXXXX, yet we are the ones now suffering the consequences of this both of our credit ratings have decreased by over XXXX points, we are receiving demands of payment from our credit cards, and our interest has increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 reached out to TransUnion customer service and they would not help correct my file by deleting unauthorized inquiries reporting on my credit report. I have reached out on XX/XX/2023 as well as 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 non-monetary relief
Consumer complaint received 2023-01-26
Company: Ability Recovery Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 sent the Credit Bureaus letters asking them to verify debts on my report. they replied that everything has been verified : however, my credit report continue to show inaccuracies. 

XXXX XXXX XXXX XX/XX/XXXX, Amount : {$760.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$950.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1400.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2000.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2100.00}, Account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Amount : {$1000.00}, Account : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1700.00}, Account : 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 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-26
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX I purchased a dishwasher from Best Buy on XXXX. It was to be delivered XXXX but because of a miscommunication with a third party delivery service it was finally delivered on XXXX, badly dented. I refused it and cancelled the purchase and credit card with Best Buy onXXXX 
The purchase was made by opening a no interest card issued by Citi card. Since I had already been billed, I contacted best buy to make sure the purchase and card were cancelled. A fellow named XXXX with the XXXX XXXX assured me that everything was closed. Then I started receiving phone calls from Citi card requesting payment, and that I as accruing late payments on a {$200.00} debt. 
When I contacted Best buy to figure out if a had this debt I was referred to Citi card, and was told that they couldn't find my account and to contact Best buy. A lady named XXXX ( XXXX XXXX  member ) finally figured out by listening that I was being scammed and didn't owe anything and the account was closed. 
The scammer calls and asks the same questions that Best buy customer service members ask, except that they push to get the first four digits of your credit card, not the last four. The accent of calls are foreign sounding and callers are male and female.

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 2023-04-02
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:
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 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 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 I am writing to dispute several inquiries that have appeared on my credit report. As a responsible consumer, I am diligent about monitoring my credit report and ensuring that all the information reported is accurate. However, upon reviewing my report, I have noticed several inquiries that I do not recognize and did not authorize.

The unauthorized inquiries on my credit report have caused me significant concern as they could negatively impact my credit score and overall financial wellbeing. I have not applied for any credit or authorized any inquiries that would result in these entries on my report.

I have already contacted the credit bureaus to dispute these inquiries, but I have not received a satisfactory resolution. Therefore, I am seeking your assistance in resolving this issue and ensuring that my credit report accurately reflects my credit history.

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 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been customer with Bank of America for over XXXX  years. The economy and interest rates has impacted our familys budget. Approximately XX/XX/XXXX we were notified by Bank of America without warning our checking and savings accounts worth {$10000.00} were to be closed and money would be returned but would not tell when. My wife tried to cash {$9000.00} inheritance check around XX/XX/XXXX and Bank of America has been holding check funds to present. The withholding of funds has impacted our ability to buy food, pay mortgage and service a construction loan to build a new home which may impact my credit rating. This seems to be a cold hearted business decision.

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