BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have previously disputed public records listed XXXX and XXXX and XXXX with TransUnion and in response TransUnion verified the items as accurate stating that they have verified the information. The original creditor in this case would be the US Bankruptcy courts. I contacted the court, and their response is enclosed. It is clear they did not furnish to TransUnion or any credit bureau for that matter ; therefore, their original response verifying the item with the court was either an error or a lie. Purchasing information from third parties does not absolve TransUnion of accountability. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I also submit my proper identification as authentication of my identity.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 

1 ) XXXX  Account # XXXX has violated my rights TransUnion Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights 2 ) XXXX  Account # XXXX has violated my rights TransUnion Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights 3 ) XXXX  Account # XXXX has violated my rights TransUnion Account # XXXXhas violated my rights XXXX Account # XXXXhas violated my rights 4 ) XXXX Account # XXXX has violated my rights TransUnion Account # XXXX has violated my rights 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 15 U.S. 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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND  THE XXXX data  breach and may have gotten into the wrong hands.

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 2021-02-22
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An account with XXXX speedy cash is on my credit report and I did not open a account with them the amount owed is XXXX it was opened in 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: ZWICKER & ASSOCIATES
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: Account status incorrect

Complaint:
My XXXX XXXX account XXXX was in good standing for over 20 years. I was then put on a covid plan. Without notice i was thrown into collections. This is not correct and is ruining my credit. 
The account was given to Zwicker law. They reported this while in dispute and in Covid. 

They violated my rights under the FCRA..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I advised Citibank N.A. that I would be traveling to XXXX, XXXX XXXX, and XXXX. On XX/XX/XXXX while i was out with my parents, i purchased a product and my debit card was declined, so Citi blocked it for potential fraud, I got a call and I told the rep. that the transaction was legitimate and she released the block on my card. On XX/XX/XXXX I was grocery shopping with my mother and when we reached the cashier, my card was declined. I called customer service and the rep told me that the information I gave them didnt match to the account owner. I have been the owner of the account for over 10 years. Somehow, after hours on the phone, one of the reps explained to me that the girl who helped me on XX/XX/XXXX had, somehow, without filling out any forms, changed my personal account to my mothers name- I have an interest joint account with my mother- but she was never a co-signer on my personal checking account. The reps and supervisors acknowledge the mistake made by Citi and told us the only solution was to come in to a branch. I had just started my vacations! When asked if they would subsidize the plane ticket for me and my mother to come to NY and fix a mistake their team made, the answer was no. After 3 hrs on the phone, one of the fraud dept representative told me my card would be functional and linked to my personal account which now the owner is my mother and Im a co-signer! As long as I can use my debit card. 
On XX/XX/XXXX I headed out to XXXX XXXX with my parents and my uncles, all XXXX year old. And my card gets declined at the restaurant! Again I spent avg 1.5 hrs on the phone explaining what the error Citibank rep had made and to please allow me access to my money- Today XX/XX/XXXX Im in XXXX XXXX sitting at a restaurant trying to pay the bill, my card is declined! Now Citibank decided to change my debit card to primarily work with the interest checking joint account I have with my mother!! How can they be changing all this without any authorization!? 
The amount of stressXXXX XXXX time spent on the phone, headaches, even shame Citibank has caused me during this vacation is intolerable. As per my XXXX XXXX XXXX  this trip should be relaxing and calming before I get back home- Citibank made this impossible. Ive spent around 8hrs in total on the phone with Citibank XXXX and they all come to the same answer : you need to fix this in a branch. 
Why do I have to fix an error they made!? 
More importantly, how can a rep change the ownership of an account to another persons name? Without filling out the proper forms or in compliance with regulations and standard XXXX procedures.

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 2017-07-03
Company: EQUIFAX, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have been receiving mail that are addressed to my brother at my previous address. My brother has never lived with me at that address. Now I recently bought a newly built home and moved in. I am still receiving advertisement and collection mail at my new address. I recently used your department to resolve a credit issue in which my credit report had my brother 's information in it, but it was resolved. I would like to know who could still be linking my information to think my brother is either me or lives with me. This is a big issue because someone still thinks we are the same person. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
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: Public record information inaccurate

Complaint:
Pursuant to new CRA guidelines public records in the form of tax liens should possess the following information DOB and/or SSN. This information is not being accurately reported on my credit report and is therefore out of compliance. I would like for this tax lien dated  XXXX  2016  to be deleted from my file.

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: 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:
A credit monitoring alert came that TransUnion reported a hard inquiry using my personal info such as social security number, my address, my name, date of birth, and address by online credit application at XXXX  XXXX XXXX on XX/XX/2022. I immediately called XXXX XXXXXXXX XXXX, reported it was FRAUD, spoke with XXXX in Security at XXXX XXXXXXXX XXXX. I then called TransUnion to report and remove hard inquiry from my credit report. I froze all 3 major credit reporting bureaus, and informed my local police dept in XXXX, FL Detective XXXX. I'm waiting for written copy of police report to place extended credit freeze.

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 2017-10-24
Company: K. HOVNANIAN AMERICAN MORTGAGE, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I Applied for a VA mortgage through XXXX Mortgage. A credit report was pulled on XXXX XXXX, again on XXXX XXXX and again later that month. I emailed and had a phone conversation with the person in charge of my file and told him to not run my credit report again- he told me by email he would not. However, it 's now XXXX and again my credit report was pulled without my prior knowledge. I fired off a email to him and his superiors and received a call that these reports should not have been pulled. I was told that 500.00 would be taken off my closing costs. I was also told that another report would have to be pulled prior to closing which is XXXX XXXX 2017- This is a VA loan and 5 credit runs in a 6 month build new home process is wrong and damages my credit. I was also emailed that these credit pulls hard not soft does not effect my score which is totally false. I am not satisfied with the explanation and told them that I plan to dispute with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was verified & accurate and some information was updated ; however, this is an identity theft account and there still several inaccuracies on this account still being reported because under FCRA all credit bureaus must report the same information. It appears that no thorough investigation was done Transunion has failed to provide proof of the investigation.

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 2021-12-07
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: Account status incorrect

Complaint:
this message is for Transunion. I spoke with an agent at XXXX XXXX on XX/XX/21. I am guessing he is the manager of the loan department. this person sent me the following : Hello XXXX XXXX, Thank you for contacting XXXX XXXX regarding paying off your loan number { XXXX Loan ID }. You may pay off your loan at any time without penalties or fees. 

The payoff amount today, XX/XX/21 is $  close written off Interest accrues daily, so this quote is only valid if full payment is made today. 
He told me that the loan is showing as closed and zero balance. I told him i wanted them to report to the credit bureau that the loan is paid in full and to delete. he said he has nothing to do with that only the credit bureaus can do it. I asked him to email me a letter saying it is now paid off because transunion has the account as charge off and i want the charge off status removed and the account deleted

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 2021-07-16
Company: McCarthy, Burgess & Wolff, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from McCarthy, Burgess and Wolfe advising that they have been retained for debt collection. However the debt was not validated to confirm the debt was owed by me. This company is in complete violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have no idea whats going on. I never used my credit and its telling me that I got Mortgages it says I have loans grants all type of things that Ive never gave XXXX for Credit cards and more Im trying to freeze my account clean a fraud or something. Can you please help me before my name get dragged of the dirt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have no idea whats going on. I never used my credit and its telling me that I got Mortgages it says I have loans grants all type of things that Ive never gave XXXX for Credit cards and more Im trying to freeze my account clean a fraud or something. Can you please help me before my name get dragged of the dirt

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 2021-06-15
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: Information belongs to someone else

Complaint:
These accounts are not mine and I want you to help me to figure out what happened exactly and why I have fraud accounts in my credit report. I ask you to delete them all

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 2021-12-07
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: GA
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:
Illegal inquiries has been reported on all three reporting agencies. I disputed this with Equifax, XXXX and XXXX and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all 3 credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Continental Finance Company, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went in to pay my credit card bill on XX/XX/XXXX. My payment day is on the XXXX of every month. I called to wave the late fee of {$37.00}. Looking through my account with a credit limit of {$500.00} I noticed that I was charged a total of {$170.00} in late fees and interest fees and a {$10.00} fee every month which would make this card {$120.00} to use for the year plus an annual fee of {$99.00}. So {$290.00} to run a credit card with {$500.00} credit limit. I called in to waive the late fee only to be told I missed last months payment which is untrue. I logged in and made XX/XX/XXXX 's payment but this was not updated to my account. Upon calling on XX/XX/XXXX I was told the late fee could be waived. I want my late payment erased from my credit along with {$60.00} in fees refunded to this account so I can pay the balance and close this account. This company is a fraud and preys on people who take on their card. This late fee update has cost my credit 68 point drop! I need this fraudulent company put on notice and this updated. 

I also have plenty of instances where I pay and I do not get an email stating a paid nor any proof of payment. Currently this company is reporting to credit agencies that my monthly payment is {$77.00} and credit limit was {$760.00}. This is untrue and I need all of this updated ASAP.

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 2021-06-15
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: Information belongs to someone else

Complaint:
Hello, I would like to inform you that I have crazy error in my credit profile. The point is that these accounts are not mine I do not know the, they are somebody else I guess or its just identity theft and someone used my personal data. I am shocked how these items damaged my score and I can not imagine what to do in this case. Could you please figure out the origins of those accounts and probably investigate my case. And of course I will ask you to remove it forever.

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 2017-07-03
Company: CITIBANK, N.A.
State: CA
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:
Creditor Macys assigned collection company to destroy my credit and collecting a debt that was paid.It appears that Macys added more charges of {$540.00} with Collection company and trying to settlement for paid charges of {$350.00}. This debt is old of debt of Macys from around XX/XX/XXXX and Collection company has falsely updated to XX/XX/XXXX. I should n't have to pay for a debt that has been paid in full with Macys. Why Macys sending me to collection and destroying my credit. The collection is showing on my credit report with XXXX, XXXX, XXXX and I can not obtain any credit to purchase a home or support my daughters education. I am Divorce with limited income as my employer downsize my daily hours and now my monthly salary is at {$1200.00} a month Notice : XXXX XXXX XXXX Reference number # XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Creditor Macys-Department Stores National Bank Macys Account last four # 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