BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 U.S.C. 1681. 
Account Name XXXX XXXXXXXX collection. Account Number # XXXXXXXX  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 instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been given 2 prior closing dates ( XX/XX/2023, XX/XX/2023 ) and now my closing date has been moved to XX/XX/2023. I was asked by the loan processor for a list of needed documents for the underwriter to review on XX/XX/2023 at XXXX. ( Mind you, this is the second loan that we are trying to get approved, the first one was denied by CITIBANK ) each time the closing date is pushed back, I get issued a new set of disclosures with a completely different interest rate on it. This is an interest rate I have been previously " locked in '' to per the loan officer I am working with ( XXXX XXXX XXXX ID : XXXX ) This loan officer is terrible. Does not thoroughly explain things, and asked me just last week to pick a different interest rate... isn't my interest rate locked? and we just bought down the interest rate to 5.2 % and he wanted me to accept a 5.85 % interest rate so CITIBANK could make more profit off my back. 

I regret choosing this bank to purchase my first property. They are sloppy, disorganized and unprofessional. Clearly I am not a priority as a customer. My lender sends me correspondence that doesn't provide answers or a solid timeline and has a note at the end of this correspondence to call him if I have any other questions but the moment I call him, he is quick to rush me off the phone and hang up. 

We already well past the projected closing date of XXXX XXXX and the loan XXXX does not provide me with daily or even weekly updates. 

I suspect that they are purposely pushing back the closing date so that they can serve me with an increased " locked in '' interest rate and charge me more in closing costs. I do not trust this company anymore and they do not have my best interest in mind.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$720.00} ; XXXX XXXX Balance : {$580.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: CA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint against TransUnion for their continuous failure to investigate credit report disputes that I have submitted since XX/XX/2023. Despite my repeated attempts to address inaccuracies on my credit report, I have received only one response dated XX/XX/2023, which accused me of using an unauthorized third party and refused to conduct an investigation.

The items that I have been disputing with TransUnion are as follows : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. BANKRUPTCY TransUnion 's failure to fulfill their obligation as a consumer reporting agency to investigate these disputed items is a clear violation of the Fair Credit Reporting Act ( FCRA ) and infringes upon my consumer rights.

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 2023-10-23
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Someone got my card and used it I dont know who but there is XXXX dollars missing its fraud I want the money I didnt use.

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 2023-10-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NE
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I received commuitcation through CFPB of an allege debt by COLUMBIA DEBT RECOVERY LLC in reference to account XXXX. Columbia Debt Recovery has violated applicable debt collection laws and regulations, including but not limited to 15 USC 1692. I included the violations on the communication letter sent to me. On XX/XX/2023 an affidavit of truth was sent to COLUMBIA DEBT RECOVERY XXXX XXXX XXXX stating all of these violations. I have included the exact copy mailed to them and the letter they sent to me as well as an invoice per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2023-06-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is on my file with Equifax. checking my credit report ive noticed alto of errors that are hindering me. this has been an ongoing issue an has been addressed. my consumer rights are violated an not right. none of the data matches an is on all 3 credit reports. please review the files asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022.

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 2023-05-05
Company: General Motors Financial Company, Inc.
State: WI
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:
approximately 3 months ago I placed a {$100.00} deposit on a new car with XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Wisconsin XXXX. 3 Months later on Saturday the XXXX I went to see the car and finalize all the paperwork and wrap up all the necessary documents. I ended up not being able to leave with the car because I needed a co-signer or {$10000.00}. Later that evening I obtained a co signer, my brother. Next morning I heard that the car I had placed a downpayment was sold from under me to a different customer. My credit was ran approximately to twenty different banks and they are populating on my credit report. XXXX, the finance guy was extremely rude when I was asking him to figure out if a lease was a better option. He was not interested in assisting me into trying to help me or see what he could do. I will not be back at XXXX XXXX moving forward and will also be filling a complaint with the XXXX against them. This has been by far the worst experience I ever had. Was not welcomed and was not friendly at all. 10/10 would NOT recommend. 

** this is NOT the way to deal with customers and this is NOT the way to deal with people trying to purchase a car. I felt like everyone just fed me lies from the start. General Motors should seriously look into this dealership from top to bottom.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Chime Financial Inc
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 recieved an email stating my account had been closed and that any remaining funds in my account would be mailed with in 30 days. On XX/XX/XXXX Called bank because merchant had refunded transactions that were made using this account so they had to refund to where funds originally came from so I wanted to confirm the would be mailing me a check for those refunds I provided date XX/XX/XXXX was when refund took place the amount and transaction ID numbers for the refunds I was told that I would receive an email telling me when they mailed me the check. I waited recieved nothing for communication so XX/XX/XXXX I called again to find out what was taking place as when they mailed check for refunds that were recieved to closed account I was again told I would recieve an email with date it was mailed and the exact amount all I recieved is a email same as originally that was sent when they first closed account stating they closed account funds if any remaining would be mailed within 30 days how ever when I spoke the first time about the refunds I was to that the refunded transactions would be mailed soon as the refund processed which I thought was instant but they said could be the next day I made sure to clarify that I was not going to be waiting the 30 days like u was for the remaining funds in my account they confirmed this so after trying to get direct answers and clear definitive answers as to what was taking place with the refunded transactions and no one being able to answer and just getting a complete run around I feel my only option is to seek help from another source as nothing is being resolved with them and the as they conduct buisness seems very evasive and vague and circular with no resolution in sight

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1000.00} ( Original Creditor : ) XXXX Balance : {$590.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
3rd party collection agency Vance & Huffman LLC purchased a previous debt and reported it on my credit without ever contacting me in any way Nothing by mail, phone or email. They reported it without contacting me so I would contact them so they could try to collect. The amount and the details of the debt are incorrect. They have numerous complaints of the same thing through the XXXX XXXX XXXX XXXX. They're tactics are fraudulent and not within guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citizens Bank subjectively decided to place a XXXX day hold on my business checking account ( Account # : XXXX ) for my business : XXXX XXXX even after the check being cleared and cashing the check and won't release my funds until XX/XX/23. Please assist me to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Regarding Bankruptcy Case : XXXX Regarding Bankruptcy Case : XXXX The United States Bankruptcy Court XXXX XXXX XXXX of California does not report bankruptcy proceedings, in any nature, to 3rd parties or furnish this information at all. Thus, XXXX is illegally obtaining this information from XXXX without having the information furnished to them nor ensuring if the information is accurate. Additionally, I had already requested for XXXX to permanently suppress my information from XXXX publicly facing public records data. Therefore, listing this bankruptcy and allowing that information to be furnished to Transunion is greatly harming me which is a violation under both the FDCPA and FCRA. 

There is no permissible purpose for this reporting and the illegal access of this data from XXXX. Under 15 USC 1681i this must be removed for the inaccurate and incomplete reporting that has caused me severe harm and hurt my credit score tremendously. Please remove this within 5 business days of having received this written request. Additionally, as per a violation of of rights listed in the Privacy Act, I am requesting {$1000.00} as remedy for my hardship that was endured from negative items being reported on my credit report. 

The immediate attention to this matter will be greatly appreciated.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress