BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXXXXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXXXXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 non-monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: GA
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. 
XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2018-04-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my home and left Ocwen for XXXX  closing loan on XX/XX/XXXX

At closing, XXXX XXXX XXXX. extracted {$700.00} from the closing amount to pay property taxes due by XX/XX/XXXX. Ocwen claims they paid the taxes from escrow they collected and withheld that amount from overpayment and escrow refunds.

XXXX XXXX and XXXX XXXX provided copies of the same cancelled check from XXXX. XXXX  has no record of Ocwen check.

Ocwen can't find check and won't release the money. They've stopped responding. It is well past RESPA deadline.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XX/XX/2023 after the consumer was denied a deletion resolution from said ( person ) corporation. The consumer decided to indulge herself more with understanding the Fair Credit Reporting Act. 

15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this sub-chapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Also while consumer was doing further investigation to become more knowledgeable in the Fair Credit Reporting Act. There is an exclusion in this code that clearly says according to congress that transactions is excluded from my consumer report, that is a matter between the consumer and the corporation and therefore it should not be in consumer report because transactions are excluded.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2021-02-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a mortgage with XXXX  XXXX XXXX that was ultimately foreclosed on. I began missing payments on this account earlier than XXXX, and this account should be removed from all credit bureaus at this point, but XXXX XXXX XXXX refuses to remove it. Beginning in XXXX of XXXX, I applied for a short sale, and even had buyers interested. XXXX denied the short sale claiming the offer was too low. I applied for a short sale again, which XXXX denied once again claiming the property wasnt marketable. I then in XXXX of XXXX requested a deed in lieu of. I called back two weeks later after not hearing from anyone, and was told I had been denied a deed in lieu because I had not completed a short sale process. I was completely floored as I had already gone through the short sale process and been denied twice!! I filled a XXXX complaint following that incident, which wasnt responded to until XXXX, and I was still requesting a deed in lieu at that time. XXXX  drug this out until XX/XX/XXXX, then still didnt have it officially recorded until XXXX. XXXX has the worst business practices Ive ever encountered. Ive have been through enough because of their mishandling of my case, and their complete incompetence. I just shy of two years ago was able to get another mortgage through the VA, but I had to write a letter to HUD to requesting to have the flag removed from my credit early to do so. I explained the same information above to them, they obviously agreed it was poorly handled and granted my request. Im asking that this finally be removed from my credit report with so three bureaus since this was so poorly handled, couldve been resolved sooner, and shouldve absolutely been removed by now anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: NAVY FEDERAL CREDIT UNION
State: AZ
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:
Although I do have accounts with the following companies, I do not recall the credit inquiries performed on the following dates Navy Fed XX/XX/2022, XX/XX/2022, XX/XX/XXXX XXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: GOLDMAN SACHS BANK USA
State: AZ
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 XX/XX/XXXX I contacted apple regarding a transaction that occurred in error. Ive attempted to get this issue resolved XXXX separate times and spoke with XXXX managers that ASSURED me it would be corrected. At first I was given a XXXX day turn around on XX/XX/XXXX. Then I had called back on XX/XX/XXXX I was given XXXX days then contacted them XX/XX/XXXX I was given XXXX days then I contacted once more at the beginning of XXXX and was told again XXXX days and they could not open the review because it was locked so there was nothing that could be done but was told extensive notes would be taken and just to wait it out. I advised I would be calling back or taking further action. I have waited XXXX more weeks with no response and now it has been reported to my credit bureau about this supposed transaction that doesnt exist. In my apple statement it shows Im negative {$2100.00} which isnt allowing me to get anything using my credit. I am unable to apply for anything at this time. Ruining my credit in the process and unable to use my card for any purpose but still having to pay it. I was charged {$2100.00} on XX/XX/XXXX. The reason being was my monthly payment was supposed to be taken out on that day I had contacted apple because I can not make that high of a payment so I asked to be switched to minimum payments and so it was done. I was refunded the {$2100.00} the following day with my bank and all that was needed to be done was this to be updated on my statement ; the error corrected. The minimum payment was {$88.00}. Instead I was charged the {$2100.00} exceeding my limit and causing it to be reported to my credit bureau. Every time Ive contacted apple theyve said it was an issue on their end with different time frames as to when this would be corrected. And as of today XX/XX/XXXX its still in review. I am unable to use my card as intended ; emergency purposes and Im still having to pay off a balance that isnt mine. In no time did I purchase anything of the amount of {$2100.00} which was disclosed of many times. I also asked about a temporary credit which was also denied as to the fact that my account was in review and locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Bread Financial Holdings, Inc.
State: TN
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:
A Victoria Secret account was opened with my information.

I sent letters, spoke with multiple agents and nothing changed the status.

I was harassed to admit that this account was my account and it is not.

Victoria Secret has not only harassed me, but caused severe anxiety and has also made it hard for me to purchase anything because of this delinquent account that has reported for 23 months. I have NEVER opened an account with Victoria secret

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: TX
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 my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXXXXXX XXXX Balance : {$470.00} ; XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient has been reporting my payments as being late since XX/XX/XXXX. However when i spoke to their representatives I advised them that due to the Care Act there should have been no payments on my account until after the legal decisions have been made through congress. The representative told me to dispute the late payments because of the care act. They then approved my forbearance and made my account current. However due to the misinformation my account still shows that I have been late however as you see I've never been late on any of my student loans ever.

Per Student Aid. gov, Student Loan Payment Pause Extended The student loan payment pause is extended until the U.S. Department of Education is permitted to implement the debt relief program or the litigation is resolved. Payments will restart 60 days later. If the debt relief program has not been implemented and the litigation has not been resolved by XX/XX/XXXX payments will resume 60 days after that. We will notify borrowers before payments restart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: DISCOVER BANK
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This debt was discharged back in 2016. There was a judgment filed against me. I never received a Letter of Satisfaction. I have a 1099-C for Cancellation of Debt. I have paid taxes because a Cancellation of Debt is considered income. This matter has been resolved, but I have not received legal satisfaction with Washington County Clerk of Courts

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

Complaint:
I wish to update my account information on all XXXX credit reports to login i have ordered reports and will send back in written with updated information such as my entire name to match all XXXX reports with my only name. Now i am notifying online with my current information that includes new phone line and email address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: ME
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:
Experian has mixed my credit with my X wife. She divorced me in XXXX. I keep getting bad accounts listed as my accounts. I never lived on XXXX XXXX XXXX or on XXXX XXXX. These are not me. 

Also I am ONLY XXXX XXXX XXXX, or XXXX XXXX Experian keeps putting other names as me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: AMERICAN EXPRESS COMPANY
State: GA
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 was sent a denial letter on XX/XX/XXXX, to get a new American Express credit card. I have good credit after having to file bankruptcy in XXXX when I lost my only son in a car accident and going through a XXXX-year divorce. I had no other choice but to file for bankruptcy, I couldn't work or do anything after my son died it took me down as a human being, no mother should ever have to go through that. I believe that I am being discriminated against because of the grief of my son and a hardship I was going through at the time I had to file bankruptcy. I have proven that I am a responsible person by working hard to get my credit back up to over XXXX score and paying my bills in a timely manner, so to be denied and discriminated against because I lost my only son is wrong. I know for a fact that there are many people that have filed bankruptcy and have gotten another American Express Card. How I am being treated is wrong, I should not have to continue to be made to feel like a failure for something I had no control of. I would like to see how the CEO 's can go through such a traumatic event and it not affect their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: North State Acceptance, LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX, certify that this is a declaration under the penalty of perjury, and acknowledge that this a statement of truth. North State Acceptance is knowingly and purposely violating my consumer rights. On XX/XX/2021 after seeing they were reporting a charge off of an auto loan to XXXX XXXX and XXXX, who are all 3rd parties to this consumer credit transaction ; I disputed the debt per 15 USC 1692g. The company responded via USPS on XX/XX/2021 that I need to provide them a police report which completely denies my initial request for debt validation. The lack of validation and continuance of reporting of my personal consumer info to XXXX violates 15 USC 1692g ( a ) and 15 USC 1692g ( b ). Also the term charge off is not defined under the FDCPA which now means that the reporting of this undefined term violates my consumer rights per 15 USC 1692e. North State Acceptance has also violated my consumer rights per15 USC 1692e ( 2 ), 15 USC 1692 e ( 5 ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 10 ). All three major credit reporting agencies who are not affiliated with the federal government have all violated my consumer rights per 15 USC 1681b because I never gave them prior authorization or consent to collect this information on my credit profiles. This account must be removed per The Fair Debt Collection Practices Act from all three of my credit reports including XXXX XXXX, and XXXX  with in 30 days of receipt of this demand for my consumer rights to be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$13000.00}.

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 explanation
Consumer complaint received 2022-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed by Portfolio Recovery after receiving a debt collection letter from them. I requested a debt validation letter and mailed it by certified mail with tracking information on XX/XX/2022. I received nothing from them. I received an update on XX/XX/2022 saying Consumer information was verified but that I disagreed on XXXX credit report. They have not sent me anything after the dispute. I have copy of the letter they sent me and the letter I mailed to them. No investigation information or nothing. They just went to credit bureau and they updated it. How is this right? I have a right to receive a validation letter from a creditor according to the Fair Debt Act. Also stated that this was not a refusal to pay on the letter mailed to them. I have copies!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: GA
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. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 response to consumer: Closed with explanation