BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
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: Credit inquiries on your report that you don't recognize

Complaint:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 -15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In generalAconsumer reporting agencymay furnish aconsumer reportrelating to anyconsumerpursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with anycreditor insurance transaction that is not initiated by theconsumeronly if ( A ) theconsumerauthorizes the agency to provide such report to such personor ( B ) ( i ) the transaction consists of afirm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.

Under FCRA15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

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 2022-09-18
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  account # XXXX, # XXXX and # 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 sectio
n 2 : It also states a consumer reporting agency can not furnish an account w/o 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 2019-06-28
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite my prior notifications shedding light on these violations, Experian has persistently failed to rectify the situation in accordance with my requests. This inaction has not only eroded my trust in the credit reporting process but also poses a grave threat to the fairness and accuracy of consumer credit reporting. 
Attached to this complaint is a certified notice providing further details on the unauthorized and improper utilization of my consumer report, sent via USPS # XXXX XXXX XXXX XXXX XXXX XXXX. 
Upon meticulous scrutiny of my consumer report, I have identified discrepancies concerning the following account : Account : XXXX XXXX XXXXXXXX Account Number : XXXX P Payment Date : XX/XX/2023

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 2021-05-04
Company: FCI Lender Services Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
loan index # XXXX XXXX XXXX XXXX XXXX , XXXX AS OWNER TRUSTEE OF THE RESIDENTIAL CREDIT THAT DONT OWN THIS LOAN SERVICERNAME : FCI LENDER SERVICES INC XXXX XXXX XXXX XXXX CA XXXX FAX XXXX ACTING AS SERVICER FOR LOAN THAT IS FRAUD. 

LOAN HAS BEN TRANSFERED FROM UNDER A FHA / HUD WITH XXXX AND WAS DISMISS UNDER A OLD CASE BY XXXX XXXX ON XX/XX/2013 BECAUSE XXXX COULD NOT PROVE OWNERSHIP. 

I WANT TO KEEP MY HOME, I HAVE TWO ELDERLY PEOPLE WITH XXXX  AND PLUS ME LIVING ON A XXXX XXXX THAT SHOULNT BE UPROOTED DURIN THIS PANDEMIC OR LIFE SPAN THAT ARE AGE XXXX AND XXXX. I WORK FULLTIME FOR 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 2023-10-15
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XXXX XXXX XXXX XXXX  wired a partial payment {$1400.00} to Flagstar bank on XX/XX/2023, to be applied to my XX/XX/2023, mortgage payment. The payment has yet to be applied and is currently NOT in a suspense account. An additional {$180.00} was paid by me on XX/XX/2023. This brings the total amount to {$1600.00} to cover XXXX 's mortgage in full. Flagstar Bank Acknowledges that they received both payments, yet they are sitting on the funds. Flagstar Bank demands mortgage payments be received by the XXXX of every month, yet they won't apply/process payments received before the 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 2021-03-11
Company: CITIBANK, N.A.
State: FL
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:
I've been an Citi Bank customer since XXXX. I've always paid my bill in full never racked up interest charges and never missed a due date and my credit score is over XXXX. I had the advantage. On XX/XX/XXXX, I took a trip from XXXX, FL to XXXX, FL to propose to my fiance in XXXX XXXX. I was not in XXXX at that time and I did not have my Citibank credit card at that time. I saw that there was an unauthorized charge of {$12000.00} to my credit card account. I submitted documentation showing that even though this was my card I did not make the purchase and I was physically not in XXXX at that time. XXXX is the location of the transaction. I was not able to locate the card since I arrived back home. Since then Ive asked for a new card and tried to dispute the change but my account was cancelled by Citibank. I also noticed that my email account associated with my citi credit card account was compromised and that someone accessed my Citibank account online. I also noticed bank accounts added to my citi account I have no knowlege of. Someone had access to my email address as I noticed email I didnt send and emails sent from my email account asking for bitcoins for the attack to stop. I've tried explaining this to Citi Bank and this fell on deaf ears. I have been a loyal customer of Citi Bank since XXXX and it's a shame that they dont listen to their customers and that they treat loyal customers this way.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When reviewing my credit report I noticed an account being reported by XXXX XXXX XXXX. They were reporting a debt from XXXX in the amount of {$1500.00}. I contacted this company as well as XXXX, XXXX, and Transunion in reference to the report and all parties continued to report the account despite me alerting of them on 4 separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of their failure to meet minimal reporting standards. This is outrageous and the failure to address my complaint is causing hardship to my life. I'm trying relentless to correct this issue. I have been trying my best to obtain different employment however the jobs I'm seeking include credit checks as a part of their employment process. This is embarrassing to my record as my credit score is a representation of my trustworthiness and this is not a great reflection, especially when this account is being reported against standards.

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 2023-10-18
Company: EQUIFAX, INC.
State: NC
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:
My balance with Student Loan Provider ( XXXX ) is currently zero and has been since XX/XX/XXXX. I was provided a Paid in Full letter and my online portal with the company continues to show a zero balance. 

I disputed the balance with XXXX and provided the documentation from the provider in XXXX. On XX/XX/XXXX XXXX indicated they concluded the investigation with no change/update to my balance. 

I, again, initiated a dispute XX/XX/XXXX and provided additional letters and screenshots from XXXX website clearly reflecting a zero balance and paid in full documents. 

Today, I again received an email stating that as of XX/XX/XXXX ~ their investigation is concluded with no charges to my balance. 

This is clearly a failure or deliberate error on XXXX part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Prosper Marketplace, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I spoke with a sup XXXX on XX/XX/XXXX and was was told that if I paid XXXX I would be update however after doing more research, I discovered the following : I filed a complaint on XX/XX/XXXX regarding incorrect information that was provided to me by Prosper card. Per the company 's response they advised my autopay for the minimum amount was setup ( XXXX ) and I could continue paying on the balance of XXXX until it was paid off. However they took out XXXX from my account on XX/XX/XXXX and their response was that because my credit limit is XXXX ( which it is incorrect, it was XXXX when the card was closed ), and with the balance still owed of XXXX it makes it 280 % ( per XXXX XXXX ) over the limit of XXXX. The card was closed on XX/XX/XXXX or XXXX and the credit was XXXX, however it seems they intentionally/maliciously lowered the credit limit on a closed card to XXXX so that I was " over the limit '' and per their agreement it allows them to take the balanced owed. 

I have included their email responses as well as the a screen shot of my XXXX credit limit.

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX  XXXX ( XXXX  XXXX XXXX XXXX Dear Sir or Madam, XXXX, XXXX XXXX I filed a complaint against XXXX  XXXX XXXX XXXX 

Attached I have the Company response stating that no payments were received. I disagree, in addition my credit report shows one payment made. ( Attached ) In XXXX XXXXXXXX response The Company states Our service provider transmits the account status monthly to all three credit bureaus. 

How is this true when the last reporting dates XXXX, XXXX? Currently it is XXXX XXXX. This account is not timely as the FCRA regulates. 

How did you verify this account? 

I need my full file disclosure and I need you to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. 

On my report, there is contradictory, incomplete, and incorrect information. 

You keeping this from me prevents me from being able to dispute errors in the best possible way. 

Where is the Payment History showing for each month what the furnisher says about the payments being on current, 30 days late, etc.? 

I have no way of knowing if you are keeping or planning on keeping information on my report longer than the law allows you to keep it. And no way of knowing what errors you are reporting -- without being able to see all of my file contents, I can not dispute errors that you may have on it. 

This is very frustrating to not be able to see this information that you are supposed to be providing to me. If you wont give me all of this information accurately and completely, then please delete the account. 

Thank you for your prompt attention to this matter. I look forward to a resolution that is favorable for both of us. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: Receivables Performance Management, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Receivables Performance Management , LLC ( RPM ) illegally re-aged a collection account. The information on credit report shows an open date of XX/XX/2019 and that is 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 2021-05-04
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I qualified for a modification due to Covid. My trial period was from XX/XX/2020 to XX/XX/2020. I had to pay XXXX per month for three months. The XXXX payment was made the end of XXXX. I was sent documents that needed to be signed and notarized. I took them to the notary and sent them back to the mortgage company. The notary did not verify our names correctly. The documents were not accepted so they sent me another set of the same documents to have done again. In the meantime, I was told by my case manager to hold off on my payments because the dates and amounts will change. The second set of documents were notarized and sent back before the deadline date. I waited until XXXX to send a combined payment of XXXX which would apply as the XXXX and XXXX payment. The mortgage company did not accept the payment and sent me a letter stating that they would be shredding my check. Since that time, I have called and insisted to talk to managers. I spoke with XXXX, XXXX and XXXX and they all promised that this was an error on the banks side and would be corrected and my account would be fixed. I have not heard back from any of the managers that promised me a call back and my loan still is not fixed. Please help.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I send a XXXX out 30 days ago to Experian, XXXX, XXXX. .How ever its been 30 days and the credit bureaus failed to send my investigation back. This is not making is not making any sense. 


According to the law 15U.s code S 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly though a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and the Current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.

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 2023-05-24
Company: FMA Alliance, Ltd.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is trying to collect a debt that i do not own them... I not recall this company and had never made any business with them...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i sent XXXX, experian and XXXX a letter letting them know that the accounts they are reporting are inaccurate closed and past the statue of limitations and to send me a copy and validate the debts can you please help i dont know what else to do

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 2023-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC16811 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me 15 USC 168 In & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
These Accounts have violated my rights according to FCRA : I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

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 2022-08-08
Company: EQUIFAX, INC.
State: NC
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/2022 I disputed an Inquiry on my credit report. That day was a Saturday but the dispute investigation was completed within hours. Knowing it was almost impossible for a thorough investigation to had been done, I submitted another dispute the next day which was a Sunday. This time my dispute was investigated and I was notified within hours. The inquiry was placed on my credit report by XXXX XXXX. I think its impossible for Equifax to have gotten proof two times within two days days from XXXX XXXX. If a proper investigation would have been done, XXXX XXXX wouldnt have been able to produce anything evidence showing that I attempted to obtain credit from their company. I dont shop in their stores so its ridiculous that I would want a store card from them.

Company response to consumer: Closed with explanation