BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX  ( XXXX Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} 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 2021-01-05
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received a letter from ERC- debt collection company saying that I owned XXXX/ XXXX XXXX {$5400.00}. 

I requested and filled out the fraud packet with police report and notarized affidavit. Months went by and I got a new letter from ERC dated XX/XX/20 which said they were authorized to collect {$2900.00}. 

ERC said the XXXX denied the fraud claim because my correct mailing address was used for the fraud account. Name on the ERC letter is my maiden name with my current address. I legally changed my name to my married name roughly 11 years ago. I did not live at my current address with my maiden name. 

I have contacted XXXX. They told me to file a report here. I have contacted ERC. They said they are the middle man for XXXX. 

ERC said that they moved account back to fraud status but could not give me the next steps for getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under fraud for identity theft. 
Address proof sent. Please delete these items. 

Delete the following : * Account : XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$5000.00} * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX ( Bank ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX ( Bank ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX * Source of dispute information : Public record * number : XXXX * Dates associated with item being disputed : XX/XX/XXXX * Bankruptcy XXXX XXXXdismissed, wrongfully filed under my social *****FTC report and ID and address verification attached***

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 2021-07-28
Company: Paypal Holdings, Inc
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
{$110.00} was charged to my Venmo debit card on file with XXXX as one of my options for paying. 

I received products from XXXX which clearly shows on their site had been cancelled months earlier as a reorder. 

I have exhausted all mean and months of time to have XXXX send a call tag for their product or I will keep it and want a refund. They refused my refund and referred me to Venmo. 
Venmo gave me three conflicting reasons for denying my refund and declined in favor of XXXX. 
I filed with XXXX  and OAG consumer Affairs WA and XXXX issued the same exact form response. I have reached out countless times to Venmo and no response it is over XXXX months and I need my money. Thank you for helping I feel I am being bullied by both. {$11000.00} is a lot of money. I did not order these items. They have admitted sending without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied my home equity of credit line in XX/XX/2022 and they denied XX/XX/2022. They gave me a hard time during the application processing time. They pulled my credit report 2 times and I spent my time and energy as much as I could. They mishandled and mislead my application. I have doubt with those two employees who were handling my application, he did intentionally mishandled my application. They are two employees one is manager and another home service specialist who were did something wrong on my application. I did everything from my side. I am depressed and mentally tortured from it. I need help please.

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 2021-07-28
Company: LEXISNEXIS
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchase an home thru XXXX XXXX XXXX and withdrawal {$75000.00} from my pension while I was fighting for my life from XXXX XXXX went into foreclosure and loss the fight of my home mortgage and the my credit after years of building this score up and then the State of New Jersey , County of XXXX did not help me nor place me in affordable relocated to New York being on Affordable Housing since XXXX or XXXX not place force into the XXXX XXXX XXXX XX/XX/XXXX and because the lack of support and help score is low and unable to rent on my own and me others who own are force into hardship. Realtors and Tenants think that renting is the same as owning this is not true. Owners are required to meet credit worth be required for down payment and meet other requirements. With Tenants thinks because they pay security if that or they get Human Resources to pay is that is the same the requirements are extremely different and this should be different requirements for previous owners and those who loss the home due to sickness with rents many entitled to resources that individuals with middle-class income are not entitled. Since there so much hardship with renting they should have be difference in dental

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have repeatedly asked for Mr. Cooper to provide to me the ORIGINAL NOTE that I signed. On XXXX XXXX, XXXX, they sent me an email! They later mailed a " COPY ''! This is ridiculous! A photocopy does not prove ANYTHING! IMMEDIATELY VALIDATE THIS DEBT or REFUND MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Debt is charged off which mean debt is forgiven by law and should have a balance of XXXX. Legally they are issued 1099-c and it is a tax write off

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 2022-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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  act USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
USC 1681 section 604 Did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission. By law they need written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2023-08-12
Company: Albert Corporation
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX XXXX XXXX took XXXX dollars from me XXXX did nothing to help me I dont know this XXXX XXXX he somehow compromised my account and took the money XXXX would not respond to phone calls and did nothing on XX/XX/XXXX I got my direct deposit by that morning XX/XX/XXXX my account was empty again XXXX XXXX Has done nothing no help se anything I tried contacting XXXX XXXX no help I lost a XXXX dollars XXXX total in XXXX week thats XXXX card services through XXXX XXXX I need help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
From XXXX XXXX - XXXX XXXX I had a mortgage with XXXX XXXX XXXX. I was late several months on the monthly payment. I sold the house in XXXX XXXX. XXXX XXXX XXXX submitted and received the payoff amount. I want to stress the house payoff amount was paid to XXXX XXXX XXXX. After selling, I was notified the loan was picked up by NationStar/Mr. Cooper. I did n't pay any attention to the notice because the XXXX XXXX XXXX loan was closed out with the sell of the house. At no time during the settlement process did the title company indicate NationStar/Mr Cooper was involved with my house loan. 

On XXXX XXXX, XXXX, I received a copy of my credit report ( all 3 bureaus ) and noticed XXXX XXXX XXXX and NationStar reporting the same mortgage account as late. 

In XXXX XXXX, I submitted a dispute with NationStar/Mr Copper via XXXX and XXXX. NationStar/Mr Cooper replied with the account is valid and updated the account to 120 late. 

Yes I was late but that was with XXXX XXXX XXXX. Both mortgage companies can not - by law - report the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am writing to dispute the presence of a charge off account, closed account, and late payment on my credit reports with TransUnion and XXXX. The accounts in question are XXXX  XXXX account number XXXX ( XXXX ), XXXX  XXXX account number XXXX ( XXXX XXXXXXXX  ), XXXX XXXX XXXX XXXX account number XXXX XXXX and account number XXXX. I believe that these accounts are inaccurately reported, with unfinished numbers, and are in violation of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681.

I received my investigation back and you stated you completed a fair investigation, and these accounts are 100 % accurate.

But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed investigative my consumer report Did you interview my neighbors?

Did you interview my friends?

How and Who did you talk to?

One more thing, can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information.

I am concerned that these inaccuracies are negatively impacting my good name, character, and ability to qualify for new credit. I have reason to believe that the furnish source of this information is unreliable and not following FCRA laws and 15 USC 1681.

Under the FCRA and 15 USC 1681, credit reporting agencies are required to investigate any dispute that a consumer submits regarding inaccurate or incomplete information in their credit report, and to correct or delete any inaccurate or unverifiable information within 30 days of receiving the dispute.

Therefore, I am requesting that you investigate this matter thoroughly and delete the inaccurate and unverified information regarding these accounts from my credit reports as soon as possible.

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to facilitate the dispute resolution process.

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 2023-09-14
Company: Albert Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I had paid back my advance which they got the money back and was able to get another advance for XXXX dollars my account was overdrafted but if I look at ally transactions there's nowhere stating that XXXX in overdrafts anywhere that they til me to look at I've sent all screenshots of my account to them and u can see that no where on my account shows where and why my account is now XXXX for XXXX loan that was paid back I asked for my account info showing me a breakdown they keep telling me to look I have and nothing is there showing any breakdown of this so called transaction it's making no sense when u look at it it shows i paid it .pls help I feel lile they dont wan na help fix the problem.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: PNC Bank N.A.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2021 I reached out to PNC BANK in regards of applying for a consumer credit transaction. At my request, I gave notice to the loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '' This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ) Through correspondence with the mortgage loan officer via email, he stated that my ECOA ( Equal Credit Opportunity Act ) request is being forwarded to their legal department for review. I have not heard back from the loan officer on any updates or status transparency, nor have I been granted the opportunity to apply for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Bread Financial 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: Account status incorrect

Complaint:
Ive written to inform Comenity/XXXX XXXX XXXX  and requested a change of status on my credit report for a 30 day late payment for {$70.00} with all credit agencies that was reported to, it was false information due to a mistake made on their part in their system that was explained to me on XX/XX/2022 when I called and spoke with the representative about this matter he explained to me that it showed me being late but that it should not be because I was entered into a program that closed my account in XXXX, 2022 and put me on new scheduled payment arrangements with no interest and a new payment of {$34.00} with the first payment starting in XXXX on the XXXX and my first payment was made on time and that at that moment I was actually current with no payment due until XX/XX/XXXX, I was not made aware of any unpaid balances or past due payments due at the time of closing out with the new payment arrangement, I have always for years made good on my account to avoid any negative reports on my credit, it was explained to me that it was a mistake on their part due to the changes but that it was too late to stop the negative report that had been made but that he would make notations and that I should dispute with the credit agencies and that by my next payment due in XXXX their system would have updated my account and corrected my status from having a past due amount and late over 30 days, Ive been unsuccessful in getting the dispute corrected on my own directly with the credit agencies so Ive written this request directly to ComenityXXXX XXXX XXXX to correct these negative reports on behalf of the information that was provided to me, Ive since then called comenity multiple times and was told that my account was current! I even made payment early for XX/XX/XXXX scheduled payment of {$34.00} and now theyve just recently reported a second 30 day late for the month of XXXX which has been paid and satisfied before the due date of XX/XX/XXXX, so now I have two 30 day late payments for XXXX and XXXX that are incorrect and no one seems to be taking the initiative to correct this matter that has gotten worse from 30 days past due amount of {$70.00} and {$100.00} in XXXX to now another reporting to the credit bureau that Im 30 days late again for XXXX! Before these incorrect negative reports My credit score was over 700, these mistakes made on behalf of ComenityXXXX XXXX XXXX has taken my credit score down to the 500s instead of them correcting the XXXX report somehow they have submitted another negative report for XXXX which is all false reporting That has impacted my status with all credit agencies as negative tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: CA
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I had received a mail from the IRS that someone tried to file taxes under my name, I start doing investigation and start getting all the call from those companies, I called my lawyers that is how I found out I am a victim of identity theft. I filed a complaint with FTC. 

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account, and XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: MN
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/2021 sent a letter regarding inaccurate and unknown 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 taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, Experian and Transunion data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation