BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a home loan modification and was denied. In XXXX I was going through a divorce.. That same year I was diagnosed with XXXX. The XXXX treatment ended up causing a XXXX XXXX. Between not being able to XXXX   and the the XXXX treatment I was unable to work for years and was unable to pay my mortgage. 

I am now fine and have been working since the end of XXXX. My income is enough to pay my mortgage payments. 

My request for mortgage assistance was to defer my payments. I just wanted to make good on the payments but just push them to the back of the loan. I wasn't requesting a payment reduction but was still denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
portfolio recovery associates placed a collection on my XXXX credit report, after they realised that i did not owe this debt threw my prior disputes on XXXX they sent a letter stateting that the collection reported to XXXX would be deleted, attached is proof of such letter, as of XX/XX/XXXXthe deletion of this account ( XXXX  acct # in my XXXX credit report is XXXX theres a different account number in the portfolio recovery associates which is XXXX its the same merchant in my XXXX credit report.portfolio recovery has not deleted this account which has caused great harm to my perfect credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: EQUIFAX, 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:
XXXX stole money and embezzled it to their profit. They knowingly did so repeatedly from about XX/XX/2023. They falsely fraudulently and deliberately report late status on my credit file. They do this to harm me. They refuse to remove. They stole money from the check XXXX offered to return ALL money under the contract terms to cancel this fraudulently induced loan. They know they stole and embezzled the money to appear like a XXXX payment was made when it was not. Despite this criminal activity they double double and commit more crimes by claiming I have XXXX months of late status. If they stole a payment for XXXX then the first day this fraudulently induced loan was late is the XXXXXXXX XXXX XXXXXXXX. The fraud loan was allegedly sold back to the original criminals who fraudulently induced me into this contract. Enclosed find alleged transfer in legally required doc. It could be fraud who knows. They still have not transfered the debt and continue to increase amount due on my loan portal so there is reason to find the transfer letter is fraud fake and more lies from a criminal. Anyway there can be NO LATE PAYMENT PUBLICATION ON MY CREDIT BUREAU FILE BECAUSE if the first day it was late is XX/XX/XXXX then it is not 30 days late until XX/XX/XXXX. But this co doesnt care about facts it just wants to hurt oppress and defraud borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX outstanding balance was 0, but the 2 credit agencies, Equifax XXXX XXXX failed to update my credit despite of numerous disputes. I contacted the XXXX  but they have no more record regarding my student loan balance because I was given forgiveness on my loan from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
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: Report provided to employer without your written authorization

Complaint:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I recently paid off my XXXX  account, I found they have reported a delinquent payment on this closed account to the three credit buearus. I have never been delinquent on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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 2023-11-03
Company: EQUIFAX, INC.
State: PR
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:
I have some accounts that were previously disputed for fraud they are not mine and they continue to appear, I expect them to be investigated and removed from my credit report and the independent investigation and update to my credit report sent to me. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 2023-11-07
Company: Experian Information Solutions 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:
Remove all Fraudulent accounts immediately

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 2023-11-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I acquired an American express gift card for {$50.00} and I can not use it anywhere online. I do not have the physical card and its a 15 digit number instead of 16 like normal gift cards. Ive tried to purchase an XXXX gift card since I can not split up payments there and it would not go through. So I tried to just buy what I wanted that was less than the {$50.00} ( including taxes, and fees ) by about {$3.00} and it would not go through. I tried using it on XXXX with {$20.00} less than the limit, and it still would not go through.I called customer service twice and they were not helpful at all and just told me that where I was trying to use it wouldnt take it and I got no solutions from them. XXXX charged me XXXX and XXXX I believe XXXX or XXXX. I can not remember right now. I was told would be refunded back to the card in 7 to 10 business days. the reason I picked that card is so I could use it where I wanted and was not limited to a certain store but now I cant use it anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021 I called Transunion to try and gain access to my account to dispute multiple credit checks that were fraudulent. A representative from TransUnion informed me that my account was locked out and that I had two accounts. He then read an email address and partial card number for this second account. I informed him that I did not make that account nor did I opt to pay for credit monitoring services. I told him that my birth certificate and VA letters were stolen from my mailbox and was a victim of identity theft. He would not release any other information regarding this account so that I could give to the police in order to find the person committing the identity theft. My complaint is that the Transunion company did nothing to validate this person 's identity nor did they notify me of this secondary account was created instead just disabled my actual account with Transunion. This allowed the person to see my whole credit report freely and allowed them full access to all my personal information. 

This will be my second attempt to gain more information regarding this second online created through the Transunion website as the first response did not address this concern. A major breach to my credit file was completed via the Transunion website and no information regarding this secondary online account was address or released.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, 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: 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 XXXX XXXX XXXX. 

XXXX XXXX 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 XXXX XXXX 

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 explanation
Consumer complaint received 2023-04-04
Company: FIRST NATIONAL BANK OF OMAHA
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
First Bankcard Cardmember Services XXXX XXXX. XXXX XXXX XXXX, NE XXXX Re : Complaint of Discrimination Accounting Ending XXXX Dear First Bankcard, Please allow this letter to serve as my complaint of discrimination against me. 

I applied for the bank credit card because the promotional flyers was sent to me to take advantage of the Amtrack points. The bank ran my credit, and the application was approved, and I got email to be expecting the card in the mail. 

But instead, I got a letter from the bank ( copy attached ) that the account was closed after second review and ELEMENT ASSOCIATED WITH FRAUD. This I dont understand what fraud we are talking about here, other than to assume that this was a discrimination. 

I could care less if the bank gave me credit, but you put a ding on my credit file, approved the card and only to cancel the card for reason I dont understand. 

Please explain to me the fraud that has occurred here. The only thing I can think of is my address. I have two properties and use both addresses. 

Home address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I feel that I am being discriminated against based on my race until someone proves me otherwise. 

Since the card was canceled, and there is a credit ding on my file, Im requesting that the inquiry be removed immediately. 

Sincerely, 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 2021-07-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I XXXX XXXX I Didn't receive enough information to verify debt. Pursuant 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer about the confidentiality, accuracy, relevancy, and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file. As a consumer I demand you remove the account. Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) which comprehensibly state that the only permissible purpose of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstance and no other and is in accordance with the written instruction of the consumer to whom it relates. Pursuant 15 U.S Code 1681a ( e ) which defines an ''investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc ...., who may have information of any items on the file which you will have to show me proof via affidavit of fact under penalty of perjury.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion upon calling informed me to issue an FTC report and then dispute my hard inquiries that are appearing on my credit. I never gave anyone any authority to do or make any hard inquiries on my credit but yet these following lenders or organizations have pulled hard inquiries. I doesnt give them any authority to do such things and I appeal TransUnion to simply to remove these inquires as I requested on the phone multiple times and via mail or else I will have to fight legally for these disputes as this is surely making my credit look bad despite not having any accounts with these lenders or worked in past I dont want these inquires to show on my credit at all. Remove them please XXXX XXXX XXXX XXXX XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX  XX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm writing to your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and yet you reinserted them without notifying me 5 business days after and certifying that these items were validated properly. I demand you to delete these items from my credit file or I will seek litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: IN
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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