BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX is reporting an account transaction on my credit report that I have no knowledge of. I have never done any business with the company and have never provided any written consent for the company to utilize my personal and financial information. The companies actions have hindered my access to credit and has affected my household finances. 

TRANS UNION is supposed to have reasonable procedures in place to make sure I am never affected by these unauthorized practices. My credit report is never supposed to be compromised.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX i check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX XXXX and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Capital One Auto failed to provide full disclosure in the contract. They did not provide my right of rescission and they did not give full disclosure of TILA. The finance charge specifically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: DISCOVER BANK
State: IN
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:
Summary : I purchased goods from a company in XX/XX/XXXX who went bankrupt in XXXX of XXXX and never placed my order. I have never received the goods that I paid {$5100.00} for and Discover to refusing to refund my money. Discover clearly states on their website that " incomplete service '' is a valid reason to dispute the purchase : From Discover 's website, " How to Dispute a Credit Card Charge '' : " Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? While youll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I have worked tirelessly, submitting documents showing clearly that the company is no longer functioning, that they have told me that I will never receive the goods that I paid for, and have spent hours on the phone with Discover. Discover requires that I make a " good-faith effort '' with the merchant first, which I have attempted to do. Since the company no longer exists I have not been able to successfully reach them. 

XXXX : XX/XX/XXXX : Purchased XXXX pieces of furniture from XXXX XXXX  for XXXX using my Discover credit card. Was told by XXXX XXXX that the items would be shipped in XXXX weeks. 

XX/XX/XXXX : Received an email from XXXX XXXX saying the furniture would not be delivered until XX/XX/XXXX. 

XX/XX/XXXX : Received an email from XXXX XXXX  saying they filed for bankruptcy and liquidation of all assets. Order status was changed to " Currently unable to fulfill. '' XX/XX/XXXX : Filed dispute with Discover for fraud due to " goods never received ''. Uploaded all documentation from XXXX XXXX  declaring bankruptcy. 

XX/XX/XXXX : Receive status update from XXXX XXXX  : " Unable to fulfill order '' XX/XX/XXXX : Discover says they have completed the investigation and the transaction is found to be valid. 

XX/XX/XXXX : Called Discover to reopen dispute, Discover says they can not reopen but will send to supervisor XX/XX/XXXX : Called Discover, says it is under review by supervisor XX/XX/XXXX : Called Discover, says it is under review by supervisor XX/XX/XXXX : Called Discover, no update XX/XX/XXXX : Called Discover, they say that I must contact XXXX XXXX and get proof that credit is due on this account. Can not contact XXXX XXXX  as they have not been a company since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-30
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX - Loss of employment, equivalent to 51 % of family income, starts a spiral from a previously remarkable rebound from prior financial hardship. Savings along with severance pay allowed for XXXX XXXX and XXXX XXXX mortgage to be made. 

XX/XX/XXXX - Miss first payment from current hardship. Sought employment during holiday season. 

XX/XX/XXXX - Contacted Ocwen Mortgage Servicing to request modification of our existing loan. 

XX/XX/XXXX - XX/XX/XXXX - Negotiated, communicated, discussed with XXXX Relationship Manager documents needed. options to foreclosure, requested assistance due to financial hardship, and future options. 

XX/XX/XXXX - Notified by Ocwen that loan will b transferred to PHH Mortgage effective XX/XX/XXXX. Asked what that may do to our situation. Was told by Ocwen rep that was up to PHH. 

XX/XX/XXXX - Sought assistance from XXXX XXXX XXXX XXXX to discuss options with new lender, PHH Mortgage Services regarding modifications and additional options to save home. 

XX/XX/XXXX - Offered partial, or current payments to PHH and negotiate to past due amounts. Awaiting decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Synchrony Bank ( JC PENNEY ) just called me and some foreign guy says that they have turned me over to the Credit bureaus for being 38 days past due. I AM NOT 38 days past due. I made my XXXX payment and my XXXX payment was not made due to a loss of income. I am only 14 days past due but this XXXX said that I have been turned over as 38 Days past due. I advised that he can not turn me over when i am not 30 days past due. This guy now has me concerned that JC Penney is trying to ruin my credit by reporting FALSE information to the credit bureaus. They can only report me for being 30 days past due from the date of 30 days past due from the due date of my payment. This company is a sham if they have done this.

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 2021-07-28
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've reached out to affirm numerous times about these debts on my credit report that do not belong to me ie XXXX, XXXX, and I believe there are 2 more that do not belong to me. I have one actual account with Affirm which was paid on time every month and in full and I keep asking for validation of this debt that keeps reporting on my report with no follow up I have been sending letters since the beginning of the pandemic about a year ago if they will not validate my debt I would like it removed from my report it is bringing down my score & livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: FL
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.

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
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: VA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2021-07-28
Company: HW Holding, Inc
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX ... HWARFIELD ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update this account ASAP.

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 2021-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Personal information incorrect

Complaint:
2Phone Number : XXXXReported For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( S ), AND VERIFIED ACCURATE BY FI ; Reported Name : XXXX XXXXReported Address:XXXX XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXXDrivers License : State : Date of Closure : XXXXTN/ACCT # : XXXX / XXXXOriginal Charge Off Amount : $ XXXXClosure Status : UNPAIDClosure Status Date :XX/XX/2016Inquiries

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 2022-05-04
Company: Experian Information Solutions Inc.
State: VA
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 XXXX  Account # XXXX  XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). 

( XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ). 

( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ) ( XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ) ( XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ( Original Creditor : ) 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 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 2020-12-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have informed them on several occasions ( at least 5 times ) and the other major bureaus ( Equifax, ) that the only Name, Address, and Telephone # and Employer that should appear on my credit report is the following : address :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: MN
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. 

Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name 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 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 2021-07-28
Company: Franklin Collection Service, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
There were numerous times I would be charged multiple overdraft fees when in all actuality there was only one transaction that I should have been charged the overdraft fee charge for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have to duplicate collections on my account that are incorrect they are the same amount and same companies I would like this duplicate collection taken off I have called the company they said once they report a account they can not take it off can you please help me remove these inaccurate information Here are the names XXXX XXXX XXXX, ORIGANAL COMPANIE. 
11 XXXX XXXX BALANCE OF {$710.00} I C SYSTEM, ORIGANAL COMPANIE. 11 XXXX BALANCE OF {$710.00} the remarks also state Affected by natural disaster this is completely incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Requested update on PSLF qualifying payments after verification application, and the count remains inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation