BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Back in XX/XX/XXXX, I disputed an account from XXXX ( Account XXXX XXXX ) who are reporting to TransUnion, XXXX, and XXXX. I claimed the account was being reported as inaccurate and incomplete and after 30 TransUnion, XXXX, and XXXX sent a reply back stating they investigated and claimed the account is verified. Over a few months I received credit reports from the original creditor, annual credit report, and XXXX. Each of them shows that this account is still being reported as inaccurate, incomplete, and mismatching information between the three Credit Bureaus. Ive listed all the inaccuracies and mismatches TransUnion continues to report. I've also attached supporting documents. 

Reports account closed on XX/XX/XXXX on lender and disclosure credit report o XXXX reports XX/XX/XXXX o XXXX Missing info Reports Charged off date before account closed date o Reported Charged off date XX/XX/XXXX o Reported Date Closed XX/XX/XXXX Charge off date doesnt match with XXXX o Reported Charged off date XX/XX/XXXX o XXXX reports Charge off date on XX/XX/XXXX Payment history for XX/XX/XXXX XXXX match with XXXX o Reports 60 days late o XXXX reports Charged off Payment history for XX/XX/XXXX doesnt match with XXXX o Reports 30 days late o XXXX reports 60 days late Date of last activity does not match XXXX and XXXX o Reports XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX From the evidence above, TransUnion, XXXX , and XXXX can not be verified as accurate therefore TransUnion is in violation of 15 U.S. Code 1681e ( b ), which they are not assuring maximum possible accuracy of the information.

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 2023-09-12
Company: MiraMed Revenue Group LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in beginning of XXXX I was injured at home with a dislocated shoulder. I went to the XXXX XXXX I was out of work for almost 3 months. I owe XXXX XXXX but I'm tight on money because I have other bills that needs to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On or about     X/XX/2016    , I calle d PennyMac Loan Service, r egarding my statement, it showed I had a Credit Balance, ( This was for   XX/X/16  Pay ment ) After being on Hold fo r 15  minutes, she said NO on    XX/XX/XXXX    Payment and just mak e  XX/X/16  p ayment. I said are you sure, she said  YES.      So I mad e  XX/X/16  on time, NOW after 6 months I get a letter in the mail stating I am Delinquent. WHY?      I have had  XXXX  loans with  PennyMac, N EVER had any issues until now.     I am on  XXXX  and I can not afford to make  2 p ayments, I only get {$1200.00} from  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
On my AmericanExpress credit card bill due XX/XX/XXXX, is a charge for {$19.00} for prem car rental protection. 
Although I had rented a car using that credit card, I never signed up for their car rental protection ( I already have that protection thru my auto insurance policy ). The charge is for a service I neither authorized or knew anything about. I have spent over XXXX XXXX hours on the phone with various people from Amex as well as from Amex XXXX. I initially was told by XXXX, at XXXX, that the charge would be reversed, but that has been contradicted by others. XXXX, a supervisor, told me I signed up for this protection, by phone, in XXXX. I do not recall doing this. He also told me there is nothing he can send me to prove I signed up for this. In the intervening eight ( XXXX ) years, there has been no contact with me about this program. He refused to transfer me to a manager or have a manager call me. Amex refuses to submit this for dispute or fraud b/c it involves one of their own companies, Amex Assurance . 
I spoke to XXXX on XX/XX/XXXX & XX/XX/XXXX. I spoke to Amex XX/XX/XXXX and XX/XX/XXXX. 
I filed a complaint with the XXXX XXXX XXXX XXXX office on XX/XX/XXXX. They referred it to the XXXX which I contacted today. OCC has no record of the complaint, and referred me to CFPB. 
I paid the charge, but I want the charge reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: MA
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:
These inquiries are too old to be on my credit report : 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 2021-08-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, XXXX XXXX XXXX, sent me a letter of {$390.00} with a offer to settle with my debt paid in full, a response needed by the end of XXXX. On XX/XX/XXXX of XXXX, I messaged the client through their website to pay the amount as soon as possible, leaving my contact information. After getting response, I emailed the attorney ( on XX/XX/XXXX ) there who I discussed the case with, her name is XXXX XXXX. I again received no response. After that, I messaged them again on their website and said that if I receive no response in 5 business days, the debt is considered settled in full. I again received no response. Today on XX/XX/XXXX I called and did get a response, but they said the offer was no longer available and knowledgeable that they had in fact received my messages. The person I spoke with said their client was behind the offer, he then told me the offer on the table is 45 %, which is much more than the offer I was offered, accepted, and responded to in the correct window.

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 2023-07-08
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: 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.

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 non-monetary relief
Consumer complaint received 2021-08-31
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Yes my interest rate is 13.5 % yes I do not have great credit but during the covid they did not work with me at all zero that just kept threatening to take my house they wouldn't give me a forbearance they wouldn't do anything and during my divorce 17 years ago I did get the extended payments so they set up got all those so I couldn't get that there's nothing that they would do to help me during covet I have XXXX and I take XXXX and I'm still making my payments when my social security check I get behind and they harass me to know in the company is Vanderbilt mortgage they are awful the worst company and I've talked to other people that's actually not even behind like I am and they're like 15 days late and they start harassing them they would not help me at all nothing zero ok

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 2021-08-31
Company: EQUIFAX, INC.
State: DC
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 I 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: MD
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 the 4th CFPB complaint filed. The previous 3 complaints resulted with Equifax agreeing to remove the fraudulent, unauthorized hard inquiry but the inquiry is still there as of XX/XX/XXXX. Equifax has not removed a hard inquiry from XXXX XXXX XXXX received on my credit report on XX/XX/XXXX. Ive provided supporting documentation that proves that the hard inquiry was unauthorized and a fraud attempt to obtain a line of credit under my Social Security number including a letter directly from XXXX XXXX XXXXXXXX XXXX , acknowledging the fraudulent activity. Ive attached a letter from the bank also confirming that the hard inquiry was unauthorized and should be removed from all three credit bureaus. Equifax is the only bureau that acknowledged the inquiry was fraudulent but still has not removed the fraudulent inquiry from my credit report. I have been submitting disputes every day on the Equifax website for this hard inquiry ever since it was reported on XX/XX/XXXX, but the results from my dispute is closed within hours, which leads me to believe no actual investigation was done regarding the fraudulent inquiry. I immediately initiated a fraud alert, and a credit freeze at all three credit bureaus due to this fraudulent attempt with my social security number and Equifax needs to remove this fraudulent hard inquiry from XXXX XXXX XXXX  dated XX/XX/XXXX from my credit report. Equifax confirmed in the prior 3 CFPB complaint that the hard inquiry was fraudulent and deleted but the inquiry in still on my Equifax credit report and was not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX I did not Authorize these Inquiries. I tried to settle with the bureaus, creditors, and still no one wanted to help resolve this issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Account # XXXX, XXXX, XXXX, XXXX, XXXX, 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

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 2021-08-31
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo bank has been taking advantage of the consumers and customers and those past banker 's of Wells Fargo bank for years. And fired those banker 's for telling the truth about Wells Fargo bank illegal activities. And taking advantage of those customers and consumers and forcing those past banker 's to open up fake accounts with out the authorization and consent of those customers and consumers permission. And Wells Fargo bank has lost the public trust because of these illegal activities that Wells Fargo bank wanted those past banker 's of Wells Fargo bank to participate in all of these illegal activities. In which these past banker 's of Wells Fargo bank could have family members that are XXXX or have physical XXXX but I believe that Wells Fargo bank can care less about how the consumers and customers feel about those families that are struggling to provide for their families and loved ones just as their pockets are getting fat and getting paid to keep silent about all of these illegal activities that Wells Fargo bank has not only myself was taken advantage of but other customers and consumers was taken advantage of. Now it's quiet obvious that Wells Fargo bank was sued for discrimination and it was how a XXXX and XXXX community and the XXXX XXXX  customers and consumers and people of XXXX all over the world has been effective by all of these illegal activities that has been going on for years and decades. And I have thought that we as Americans had a right to financial privacy in which now it's quiet obvious that we don't have any privacy and confidentiality if we ever had any privacy up under all these law 's why are the consumers and customers and personal information being exsoped to the public with out the authorization and consumers and customers authorization? It's these customers and consumers information is being sold and shared with the authorization and consumers consent. And it's bad on the farm worker 's. And all of us are in a pandemic. By any means needs not to be used as a way to take advantage of the XXXX people and people of XXXX know of our language and charge the consumers and customers all of these and not informing the consumers and customers of all of these hidden fees by any means.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX. has a policy where if you miss XXXX of your payment, get returned back, they cancel your whole credit line. didnt even miss a payment, just had auto pay on the day before due date. and i didnt have the amount then, but paid the payment, so it wasnt 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 2022-05-03
Company: Experian Information Solutions Inc.
State: LA
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/22 I sent in letters to have incorrect information removed from my credit profile.

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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance to 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. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX However they stated everything was complete and accurate. 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 supposed to modify accounts that isn't reporting correctly. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2021-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
i had filed a fraud claim for XXXX and bank of america refuses to place my credit onto my account

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 2020-12-14
Company: LEXISNEXIS
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/20 I sent correspondence to LexisNexis stating that I was a victim of identity theft ( XXXXXXXX XXXX  ) The letter was sent certified mail return receipt with tracking # XXXX, and was in LexisNexis possession as of XX/XX/20 ( XXXX XXXX ). 
The letter explained to LexisNexis that I am a victim of identity theft, and that the inaccurate addresses listed in my consumer report should be blocked pursuant to section 605B of FCRA. 
This letter also contained the following enclosures : Proof of identity, A copy of my relevant sections of LexisNexis report with fraudulent items circled, FTC Identity Theft Reports, Police Reports, Identity Theft Affidavits, Fair Credit Reporting Act Section 605B, A copy of the law : FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), A copy of Businesses Must Provide Victims and Law Enforcement with Transaction Records Relating to Identity Theft, Notice to Furnishers This matter is NOT a dispute under the provisions of FCRA 611, and is a block under the provisions of FCRA 605B As required by FCRA 605B ( 15 U.S.C. 1681c-2 ) LexisNexis is required to block the reporting of any information in my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Despite the FCRA 's requirement, LexisNexis has failed to block the reporting of fraudulent information and is relying instead on the same verification procedures it uses for common disputes. 
Again, my records indicate that LexisNexis was in receipt of this request on XX/XX/20. The 4-day deadline required by section 605B for blocking the fraudulent information has passed as of XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: AZ
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 have sent XXXX equifax and XXXX since XXXX I sent several certified letters from the post office that require a signature once receive, stating that this information on my credit report is inaccurate from the inquires to the collection I am a victim of identity theft. I send them copies of police report it's XXXX its this wrong and fraudulent information they reporting. Now I had hire a lawyer XXXX months ago and been sending them letters and still not remove. This false information is stopping me from providing for my kids it's hard to rent etc and this is wrong information they putting out.

Company response to consumer: Closed with explanation