BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a letter by mail denying an application for credit I did not make. The lender was XXXX XXXX XXXX, I believe it is considered a payday lender. While it denied the application it did state that they could offer a small rloan of {$800.00}. I never applied at this company or any related companies. 

The letter states that they received my credit report and credit score, which they list, from XXXX XXXX. 

I have a credit freeze with the three credit reporting agncies, including Transunion. XXXX is owned by Transunion. I called XXXX and they state that they are separate companies, with separate data bases, and that I will need a freeze on their website also, yet upon typing in XXXX I am directed to Transunion. I can not find a way to put a credit freeze in place with XXXX, their phone assistance is abrupt and unhelpful. Repeated attempts to speak to someone at either Transunion or XXXX ended in utter frustration and an absence of answers. 

Everything I read on consumer safety recommends a freeze with the big three credit bureaus. Can there now be four? Are there even more? If Transunion releases credit reports despite a freeze being in place through a wholly owned separate company who can this serve except those attempting identity fraud?

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 2019-02-12
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 fraud alerts or security freezes

Complaint:
Lifted my credit freeze XX/XX/XXXX to apply for a credit card. Am trying to freeze my account again 5 days after lifting. I'm told my address is not valid which hasn't changed since 1996 and is on file. Now am told to send all information that is exactly the same as it was 5 days ago. and after sending it and 3 days more to review it will freeze my account. 
When I removed the freeze all three credit agencies did same on line in 5 minutes.

Why do I have to individually ( each agency ) and by mail reapply the freeze, after only 5 days. 
Nothing has changed on my part. 
The experian website only provided info for membership at a charge of $ XXXX/mo. 
When I phoned -- - I was just rerouted around and around never getting to the actual freeze -- -- just sent me back to the original options. 
I want to freeze my account today. If something happens it's on Experian.

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 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have had a freeze on my credit with all 3 agencies, In XXXX I get an alert that a derogatory remark appeared on my transunion credit report from XXXX & XXXX XXXX for {$200.00}, it says the account was opened on XX/XX/XXXX and is in collections. I have no knowledge on this account, in addition how is it in collections already if the account was just opened on XX/XX/XXXX and how was any account opened in my name if I had a freeze on my credit at that time. 

Transunion is the only credit agency that has this item showing on my credit report. 

I am looking to have this item removed from 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 2023-09-05
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-01-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021 I reached out to Experian to have a fraud alert removed from my credit file considering it has never worked to prevent credit inquiries and inaccuracies. Per the rep she verified my information and advised she had removed the fraud alert. I called on XX/XX/2021 to confirm the fraud alert had been removed from my credit file and was told it was still there and it was an active-duty alert. I asked her how is this possible when I have never served in the military. She could not explain and told me I needed to speak to another department to have it removed and they were closed for the day. I am so frustrated with the credit bureaus because they are adding things to my credit file that is inaccurate and invalid. I also noticed several invalid addresses, names, inquires and accounts on my report and I have disputed them several times before and they remain on my credit file.

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 2021-09-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account has age off my credit report and still reporting negative remarks to this day on XXXX. I know this account does not belong to XXXX XXXX XXXX I have asked for proof. to this day I have not yet received any notice of this account. I request the following. 
The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Ocwen Financial Corporation
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: Account information incorrect

Complaint:
As you are well aware, Ocwen loan Servicing Co. LLC is known for fraudulent business practices and has been taken to court ( class action lawsuits ) over these issues resulting in XXXX dollar settlements however the company still is allowed to continue its fraudulent business practices with little more than a slap on the wrist. 

That being said my complaint is as follows. My current XXXX  and XXXX credit reports are showing that on XX/XX/2019 Ocwen Loan Servicing Co LLC reported that my loan increased by {$630.00} when the original loan was {$100000.00} 13 yrs ago and now on the report is showing {$100000.00} total owed even after 13 yrs of having the loan resulting in at least a 65 point drop on my credit reports. This information Ocwen Loan Servicing LLC reported is impossible and incorrect resulting in a negative impact on my credit reports and needs to be corrected asap.

Im tired of Ocwen 's fraudulent activities that are not being address and this company continues to stay in business even after many class actions suits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: TN
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 XXXX  Account : XXXX XXXXXXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX XXXX  acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXXXXXX XXXX acct # XXXX Has violated my rights. 
15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: PA
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Around XX/XX/XXXX, we applied for a forbearance due to covid 19.  My husband was fuloughed for a while. We were approved and received an email on XX/XX/XXXX. I had spoken to a few reps between then and now to ask what kind of repayment were we looking at. I was told FHA allows you to defer your payments to the end of the loan. Keep in mind I tried on several occasions to get in touch with someone with no luck. I even sent an email in XXXX trying to reach someone but I was never contacted to my knowledge. We received a letter in XXXX stating how far we were behind. So I called again to try a resolve. I was finally able to speak to someone. She advised me that we were late a pymt in for XXXX which I have denied. New rez bought our mortgage from another company and we were in the process of updating our payments to the new mortgagee. Since she said were we late, we were not eligible to defer our pymts to the back end of the loan per FHA guidelines. I asked her to escalate the call. She said she would have someone call me back. That was over a week ago. We receive another letter today stating we are 5 pymts behind and call them to avoid foreclosure. We want to start making payments again but do not feel like we were given all the info regarding the forbearance and do not feel like the we should have to do a modification loan now. Thank you for reviewing my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Upgrade, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the card, sent all required documentation while on the phone with the processing department, while they confirmed they had everything. I was approved card was mailed to be. But once I started to use it the company approved my transactions at the time of purchase but then declined them. After weeks went by they told me I was declined because they couldnt verify my identity. Mind you I have had a personal loan with this company for one year. I asked how can you not verify my identity you have everything, credit report, driver license, tax form, social security card and a selfie. They told me thats all they can tell me. How is this far to consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Four Directions Lending LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is the second complaint I am issuing for the same company for the same reason ( Previous Complaint ID XXXX - attached ). The response submitted indicated the following : " We have also moved Ms. XXXX XXXX XXXX account to our safe queue and added her phone number to our Do Not Call list, and she has been opted out of further email communications. '' I still receive collection calls from WestSide Lending. Today, XX/XX/2021, I answered and reminded the company I sent a cease and desist letter. The representative claimed they never received the letter and accused me of lying. I confirmed the email address I used was correct and resent the letter via email this morning ( backup attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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  XX/XX/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 2023-10-12
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
At XXXX EST on XX/XX/2023 I received an email saying : We need to speak with you about your Apple Card account. 

Be sure to call us at your earliest convenience. Call XXXX or click here to chat to contact us. 

I reached out immediately via the chat service and was told to reset my Apple ID password. I did as requested. After I did this, they forwarded me to another representative to " continue the process '', but I had to wait 1 hour for this next agent. The next agent told me the card was locked and under review, and that they would call me when the review was completed. They said they could not tell me why the account was locked, or how long the review would take. 

I reached out multiple times the next day and was told the same. I also tried calling and waited on hold for an hour before being told the same thing. 

There was no information provided to me about what could have caused this, how I could fix it, or how long it would take. 

My card has a balance on it, and I have auto pay set up. I asked if auto pay would still trigger even though I had no way to view my balance or submit a manual payment. They said they could not even provide me with that information. So for all I know, auto pay will still happen, or the balance will roll over and I'll owe interest payments. 

After searching online I found that this is a common problem. People report that once the account is locked for review, it could take weeks or even months to get it resolved, and there is no way to get any information about the process. 

My understanding is that Apple Card is managed by Goldman Sachs. I've had the card for years and been a member in good standing, never missing or even being late with a payment. 

I saw no suspicious charges on my account before it was locked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
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:
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 XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 2021-12-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
SLS refused to accept the HUD modification-assisted program. 
SLS refused to give me an affordable modification SLS threaten foreclosure as it's now in a Pre-foreclosure status SLS is very abusive and unprofessional by phone SLS refused to communicate or correspond by email SLS is the servicer of our HELOC and XXXX XXXX XXXX XXXX is the current creditor. 
XXXX XXXX ( account manager ID XXXX ) told me, if I needed a modification, I would need to go through the HUD government program for assistance. 
HUD submitted a full modification package with the documents I provided. BUT the account manager, XXXX XXXX REFUSED to accept HUDs authority and do a modification. She insisted that if I want to save my home, I will have to accept the terms of the investor ( XXXX XXXX XXXX XXXX ) or they will foreclose on my home. 
I have spoken to many representatives in the SLS ( Resolution Department ) but most representatives were very harsh and unprofessional. 
One representative said, BY LAW THEY HAVE TO TELL ME TO GO TO HUD FOR ASSISTANCE, BUT SLS DO NOT HAVE TO FOLLOW OR ACCEPT HUD MODIFICATION PROGRAM. SO THEY WILL FORECLOSE ON MY HOME IF I CAN NOT ACCEPT THEIR TERMS. Their demands are {$80000.00} cash upfront and a very high-interest rate on the balance ( payment to {$1200.00} for a short 3 years term and increased to {$2000.00} until XXXX ). Our 1st mortgage payment is {$4300.00} not to mention the increased property tax and insurance yearly. 
XXXX is very unreasonable and harsh with me because I file complaints to the CFPB concerning their MISCONDUCTS AND PREDATORY COLLECTING PROGRAM. THEY ARE FORCING XXXX OUT OF OUR HOME or INTO BANKRUPTCY WE JUST WANT AN AFFORDABLE PAYMENT PLAN WITH A LOW-INTEREST RATE. We can not afford any CASH upfront as we used up our savings to keep up with the first mortgage and cost of living during the COVID XXXX LOCKDOWN. 
List of SLS of some of the representatives I have spoken to, trying to get an affordable payment plan but with no avail XXXX XXXX many times until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-08-07
Company: Experian Information Solutions Inc.
State: NC
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:
General Council Experian This letter serves as a final warning regarding violations of federal law and Experian arbitration agreement concerning my credit file, especially in light of the recent massive data breach. 

Despite repeated disputes with valid evidence, Experian continues reporting inaccurate, unverified information including : - Erroneous late payments on XXXX XXXX XXXX XXXX - Inaccurate charge-off on XXXX Account XXXX - Reporting verified income as a negative XXXX Account XXXX - Omitting full 72 month history of XXXX paid off XXXX XXXX XXXX XXXX & XXXX - Unauthorized, Unverified collections account XXXX XXXX XXXX - Multiple unauthorized hard inquiries without my consent XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to these violations, the recent Experian data breach resulting in theft of consumer information underscores the companys inability to protect sensitive data. As one of those consumers I demand this be rectified asap. 

These violations break numerous Experian arbitration agreement clauses and constitute negligent security practices under the FCRA.

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