BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
transunion removed a closed account early XXXX ( or late XXXX ), within a montb they put the information back on without sending letter within 5 days per the fcra 611 ( a ) ( 5 ) ( b )! they account was closed/removed now its back on showing open. i was never notified of these changes per the law states

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The consumer reporting agencies refused to block the fraudulent accounts that was proven to be fraudulent. an identity theft report was sent on XX/XX/2022 according to 15 USC 1681c ( a ) and the consumer reporting agencies failed to perform there duty pursuant to 15 USC 1681c ( a ) they also refused to send me the proof of the investigation Of the names and people they communicated with and sworn statements that is required for verification. Fraudulent accounts are attached to this complaint and FTC identity theft 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 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
As a responsible consumer, I have always kept a close eye on my credit reports and scores. Recently, however, I was shocked to discover an account from Capital One on my credit report that I have no knowledge of and never opened. Despite repeated attempts to dispute this account with XXXX Bureau and the FTC WEBSITE, but still, it has remained on my credit report, causing significant damage to my credit score. I have taken all the necessary steps to prove my innocence, including attaching my ID/Driver 's license, partial credit report, and FTC Identity Theft Report, ( In my attached FTC report XXXX you can observe that I have mentioned filing a dispute several times with Capital One in my personal statement. ) and even a police report to support my claim. I am confident that with your help, we can correct this error and remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: GreenSky, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
GreenSky financing account opened in our names by Renewal by XXXX despite our insistence that we would pay cash for our renovation project. 

We only found that the account was opened because the sales person charged 3 times the down payment amount to the account without our approval. 

A payment on the fraudulently opened account was missed before the new windows were even installed. GreenSky threatened to damage our credit rating. 

It took over a month to have the account XXXX  out. GreenSky still shows the account as available on their site. 

Beware of XXXX XXXX sales personnel & GreenSky financing. All they want to do is set up a fraudulent account & start charging fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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:
TRANSUNION HAS VIOLATED THE LAW ALONG WITH XXXXXX/XX/XXXX. I DID NOT GIVE WRITTEN CONSENT TO XXXXXX/XX/XXXXTO PULL MY CREDIT. TRANSUNION IS IN VIOLATION FOR NOT MAKING SURE ALL INFORMATION ON MY REPORT IS XXXX ACCURATE.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-04-14
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:
Equifax is still reporting a fraudulent account with " XXXX XXXX XXXX XXXX   '' acct # XXXX. This account was unable to be validated and I received documentation it was removed from my credit report ; however the account is still reflecting on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information on my credit 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 explanation
Consumer complaint received 2023-04-14
Company: SG and Associates
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
STAFFORD GROUP AND ASS. Has place a collection account that doesnt belong to me. I have called them multiple time and they have not worked with me.

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 2022-12-21
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir, This is in reference to monthly Mortgage Payment to PHH Mortgage. I am a very good in making mortgage payments on time with zero delay in payment history except during XXXX XXXX when I lost my job. On XX/XX/XXXX, I tried to make mortgage payment by phone or on their website but that was not accepted so I mailed a payment by check on XX/XX/2022 to their XXXX XXXX XXXX. I spoke with them on XX/XX/XXXX to inquire receipt of check but the representative said that it did not showed up yet in their facility and she gladly accept payment on phone and promised to use check against XXXX Installment. The check was cashed on XX/XX/XXXX but they did not credit it to my account. I called them and they said they never receive this check, then I discuss this matter with their supervisor ( XXXX ID # XXXX ) and send is all the proofs. He suggested to take this matter with XXXX bank ( Issuer ). I went to the XXXX bank and they gave me a form to file fraud claim which need to be signed by me and PHH mortgage Services so I can get my money back but its almost XXXX weeks, I am not getting any response from PHH Mortgage. Every day I sent them Emails and tried to contact them on phone requesting to help me but no response. Please help.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
N ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 


XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 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 have 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 2018-10-23
Company: Nelnet, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the XXXX XXXXXXXX XXXX XXXX with acc # XXXX XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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:
RE : inquiry removal Well, checking my most recent credit report, I came across some unauthorized and fraudulent inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. This is a violation of of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with the copies of any documentation associating these my accounts, bearing my signature authorizing an inquiry. 

I also demand you to produce a contract between you and I, consumer bearing my signature showing that I gave you any permission to furnish any information on my behalf. 

In the absence of any such documentation, bearing my signature, I formally requested that these fraudulent inquiries be removed immediately from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contracted and to complete this investigation, as per the Fair Credit reporting Act Section 611. 

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 2022-11-03
Company: Resurgent Capital Services L.P.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked XXXX XXXX XXXX XXXX who has falsely reported information on my credit file to validate the debt by providing proof of this alleged account several times, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within XXXX days. This agency is in violation of 15 U.S.C. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - XXXX liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. All steps must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have two CitiCard accounts ( one through Costco and one through XXXX XXXX XXXX   XXXX  ) I applied for Covid-19 assistance to defer my minimum payments for XXXX and XX/XX/XXXX. At that time, my minimum payments were around {$200.00} for each card. ( FYI I am being charged a ludicrous 27.4 % interest on the balance for the Advantage Citicard account and 15.24 % on the Costco Citicard account. ) At the time I applied for assistance, I understood that interest would accrue on these accounts. I was NOT told that I would be responsible for paying - in full - the entire amount of interest that accrued and pushed me over my credit limit. Consequently, I received a minimum payment due for the AAdvantage card for {$850.00} for XXXX and {$310.00} for the Costco account! This is not helpful for someone who is struggling at the moment due to the pandemic. 

On XX/XX/XXXX, I called Citicard to see what they could do. I asked if they could extend my limit so that my minimum would not be so large and unmanageable. I asked if they would reduce the interest rate. They offered to allow me to pay {$240.00}. on the AAdvantage card but that I would still have a huge minimum payment next month! 

So, as it stands, I am worse off now than when I originally applied for the assistance. This is a gross misrepresentation of this promoted service and it's a ripoff when interest rates are so astronomical. 

It is no help whatsoever for struggling families to ask for help and then be suddenly gouged like this causing even more financial stress during a time when they've experienced hardships through no fault of their own. 

Please see what you can do to help consumers on this issue for ALL credit card companies. Their greed is way beyond normal. 

Thank you. 

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 explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: OH
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:
sold information to third party breach of contract reporting to credit report without prior written consent

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XX/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 2021-08-21
Company: Lending Club Corp
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  continues to violate FCRA laws. 

I have requested multiple times to provide proof of two accounts in question ; XXXX and Lending Club, and XXXX  only replies that these creditors confirmed the accounts. 

They never provide any proof, and continue to report negative information on my report without any proof. The creditors never provide proof either. XXXX, XXXX and Lending Club are all violating the FCRA. 

Unverifiable information must be removed or corrected, usually within 30 days. FCRA 623 ( b ) ( 1 ).

These companies also violate 15 U.S. Code 1681s2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recently received some emails from Bank of America stating I opened two account with them. One of them was for savings and the other apparently for sales. It seems like someone is using my SSN to apply for this, I wish to take further actions. I called Bank of America and I was told I will receive a letter any time soon.

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 2022-12-21
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:
I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX In accordance with the fair credit reporting act 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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:
at the day XX/XX/2020 someone purchased gas on XXXX gas station XXXX in amount {$58.00} on day XX/XX/2020 also purchase in XXXX # XXXX XXXX XXXX AZ in amount {$950.00} Both those purchases I didn't made because I am located in XXXX XXXX and I never moved from XXXX XXXX or even travel over the country. 
I noticed those purchases on my credit card online banking and I called credit card company First National Bank of Omaha, immediately I have seen those fraud /charges. 
They told me that they will do investigation and send to me new card. They did send me new card and in same time fraud department send me denial letter signed by XXXX XXXX ( XXXX ) XXXX I called back and spoke with XXXX regards my claim denial. He was very rood and unprofessional and said that ether me or someone else from my household used card. 
That is not true all my purchases was in XXXX XXXX, actually only one XXXX XXXX XXXX  in XXXX XXXX in amount {$33.00} and I paid that amount

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