BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts 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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2023. Capital one sent letter stating that they believed that a card was opened fraudulently using my information. This was not the case and i opened the account. They beleive it was fraud. I called and s/w fraud dept on 3 occasions. They contacted all 3 major credit services but dont know what the fraud was. They ckaim that someone else is using my identity. This is my account and I made the charges. They are confused as to what exsctly occured to freeze account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX of 2019 about XXXX XXXX I got home from work and I knew my XXXX XXXX bill was due and could not find the bill. So I used the previous months bill to call in a payment. The recording told me that my balance was {$56.00}. I used my debit card to pay the total balance that I owed. I did not think to look at the mail in XXXX because I made no purchases and knew I paid the bill on the date it was due in XXXX. I did look at the mail from XXXX XXXX in XXXX which showed two late fees when I paid the total balance due on the date it was due in XXXX. I called the phone number on the bills and finally got a hold of a customer service rep. The rep said I paid the bill too late in the day on the XXXX of XXXX and because of this when they finally took payment from my bank on the XXXX of XXXX they charged me the {$25.00} late fee in XXXX and another because I did not pay that XXXX late fee. I was furious, and instead of using profanity I told the rep to close my account and hung up. I got a bill today where another late fee was added and am very mad. It would be one thing if I paid the bill after midnight and I knew I was late, but I paid the bill on the XXXX of XXXX, I called them and the automated system did not tell me I was late. So paying the total balance I owed there should be no late fees applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: OneMain Finance Corporation
State: NM
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was misinformed by a lender to not make the payment during a home refinance, we did not close on time so the payment has been reported as late. I reached out to the account lenders local office and made arrangements for a deferral. The account is still being reported as a late payment for the month. I have spoken to several folks at their corporate and they will not remove the reporting error or give a courtesy adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Continental Finance Company, LLC
State: TN
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:
On XX/XX/XXXX, I sent a company a letter requesting proof of permissible purpose because there was an unauthorized inquiry furnished on my consumer report for the date of XX/XX/XXXX. I do not have an open or closed account with this company. I gave them 10 days upon receiving the letter to respond, and they ignored my request about the inquiry the furnished on my report. I made them aware of the violation of permissible purpose 15 USC 1681b ( 2 ) when it comes to viewing consumer reports without the written permission of the consumer and told them if they failed to provide proof of permissible purpose, they must delete the inquiry from my consumer report. The inquiry still remains more than 30 days later.

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 2021-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit score fluctuations with severe decreases in score without any noticeable, valid reasons. All positive reporting showing on report yet Experian dropped the score negatively impacting me. 

Unable to speak with a live person to discuss or dispute their validity in how the justify their scoring.

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 2019-02-07
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from Statebridge Company regarding my residential mortgage, Loan Number XXXX. This letter is dated XX/XX/XXXX and claims my payment for XX/XX/XXXX was never received. The letter also lists a payment amount due of {$2100.00}. Statebridge has received my payment for XX/XX/XXXX and has processed payment, according to my bank statement. The amount Statebridge is claiming to be the monthly payment due, {$2100.00}, is including an assessment for forced placed insurance. This has been an ongoing issue with this company, demanding payments already received and in amounts including insurance that was not necessary. My property has never been without insurance and Statebridge has confirmed receipt of proof of insurance. The confirmation of proof of insurance was communicated through a response to a previous complaint on this website, CFPB. The gross incompetence of Statebridge Company needs to be investigated immediately.I consider the handling of my account and the communications from Statebridge to be harassment and an attempt to fraud. The stamp used to mail this Late Notice is not the usual postage, but an actual " Forever '' stamp that would have been placed on the envelope by an individual.

The documented history of this issue, on this website ( CFPB ) shows behavior that confirms my claim of being a victim of fraud and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Pursuant to the Truth in Lending Act Regulation Z, I am the " creditor '' and " consumer ''. XXXX XXXX, XXXX has sent me a bill making it a " debt collector '' via its monthly written statements as to its form of " communication '' to me. 

LXXXX XXXX XXXX claims that I owe an alleged debt and has told me numerous times that I have an alleged debt to pay. As the " consumer '', XXXX XXXX, XXXX never had my consent to even contact me. Even so, it has communicated with more than one location with my non-public information that it has shared with other companies including Lakeview Loan Servicing , LLC and its payment center. I demand that XXXX XXXX XXXX cease and desist communications and I refuse to pay the alleged debt as a consumer. The action that XXXX XXXX, XXXX is taking is harassment and there is no alleged debt as all mortgage loans are prepaid. I request that this company stop using false, misleading, and deceptive tactics. There's no possible way that it to invoke a specified remedy as it, the " debt collectors '' can not use attorneys as there are none. This company 's unfair business practice was created in deception and fraud as it has obtained finances from me the " consumer '' through pre-meditated extortion to take legal actions when it has no authority. 

I, the " consumer '' challenged this alleged debt with a debt validation notice. I demand that all payments ever made to XXXX XXXX XXXX be refunded back to XXXX XXXX as this is a fraudulent scheme that XXXX XXXX XXXX  has created. 

XXXX XXXX XXXX is asking for " payment '' which means a payment that is made to further the commercial development of oil, natural gas, or minerals ; and not de minimus ; and include taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals. I can not pay XXXX XXXX XXXX  as I do not operate any of the three resources mentioned above as oil, natural gas, or minerals.

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 2021-07-09
Company: Service Finance Holdings, LLC
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: Problem with personal statement of dispute

Complaint:
I was past due on an account. I spoke to the company and got a deferment due to being affected by covid. I was told that no negative reporting would happen during the deferment period. After have some conversations with one of my credit card companys I checked my credit report to find that the account was noted past due during the deferment period. I disputed it and the company refused to change the reporting saying it was accurate. I spoke to the company them selves they refused to change it because it was past due before going into deferment. I explained that I was told by the person I spoke to that it would not be reported negative during the deferment and they said but you were past due before deferment so we are not changing it. I feel this is unfair reporting as I was in a deferment period and told that there would be no negative reporting to the credit bureaus during this time yet here we are they reported negatively to the credit bureau during this time. The company is refusing to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dear, Transunion There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact me relevant to the request to block the identified transactions. The identified transactions are not information related to any ta transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX You are required to do what I am asking and block these transactins from being reported to my consumer reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thankyou

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 2019-09-04
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX i received a letter from Mr. Cooper Mortgage Company. I believe they changed their brand name, the company is known as Nationstar Mortgage LLC. The letter was to inform me that our mortgage was going to increase monthly by the amount of close to 3,000 dollars. The reason was because of an errant escrow payment they made of over {$27000.00} dollars to my local tax collector. I called to let them know of the obvious mistake and there was no one available to speak with. I mean literally someone on the phone told me there is no one to talk to about where these monies where spent and how a mistake could be made. I was told they'd look into and that was it. I'm still on the hook for a mortgage almost 3,000 dollars more than I usually pay every month. In 7-10 business days i would get a call back. But that's all they can do. They can provide no information on how the mistake was made and once the decision is made in 7-10 days they didn't have an answer to the next step if they don't make a change to the wildly incorrect amount or when the money would be returned. 

Further. When we purchased our home we put down less than 20 % so were required to pay PMI amount until 5 years had passed or we achieved a balance owed of less than 80 % borrowed. We achieved that. When called to have the PMI removed it was told to me that i had to pay to have our house appraised in the amount of 400 to 700 dollars ( then couldn't tell me how much ) to assure the house has maintained value.  That wasn't what we signed i kept the closing documents. She then told me on the phone that she was just going by a computer program not what our actual documents said. How does that even make sense? 

This isn't the only time we have had serious issues with this company but definitely the most recent. I would strongly encourage anyone to steer clear of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: OR
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:
ALL of my XXXX XXXX loans are closed and discharged in full under the closed school discharge. It took a previous CFPB complaint to get XXXX to properly close loan number 4 out. That one is fixed, however they are still reporting all loans open with full balances on my credit reports. I emailed them a couple of weeks ago asking when they were going to update it as they have updated the UoP ones that I am paying on but conveniently have left these still showing a $ XXXX balance when it should all be closed and {$0.00} and they ignored it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TX
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 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief