BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union, XXXX XXXX XXXX XXXX have 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 an 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer 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 non-monetary relief
Consumer complaint received 2018-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Equifax & XXXX I received a notice alert on my credit file telling me that I had an account opened under my name. I have two months worth of credit history and I have no clue where the account of XXXX XXXX appeared on my credit file and I am puzzled as to why this is appearing on my credit file. I have sent several certified letters to your company and I havent received any response yet. I have sent in letters to your company on XX/XX/2018. Its been more than 90 days and theirs still no response I dont know what the problem is. I have distressed and this is causing a major problem for me and my life. Being that this account isnt mine and its on my credit its affecting me tremendously and I believe that this fraud. I am disputing the accounts internally and I expect to see this account removed or else I will take legal actions towards your company if you dont remove this fraudulent account off of my credit file. I have contacted the creditor but I havent gotten a response at all so I want to know as to why this account hasnt been removed. I am only allowing 3-5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: NM
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 ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX, AE XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 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 2023-07-25
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: Account information incorrect

Complaint:
I am writing to dispute the account referenced XXXXXXXX XXXX  XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting different payment history between all 3 bureaus which I will include a copy of my credit report to show. How does this meet FCRA guidelines when all data furnished should be the same? I dispute your claim and I am requesting that this is removed from my credit report. This account is also over 7 years old and should have been removed on XX/XX/ which is another violation. Stop reporting this information on my credit report for many FCRA violations. Attached is the dispute letter sent 2 months ago which is dated and time stamped. Also attached is the credit report showing the inaccurate data. Please see the True bill attached. Remit payment to address on the invoice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: MoneyLion Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 we filed an identity theft/fraud report with our local police department. We then proceeded to notify all XXXX credit bureaus of this as well. A credit alert notified us of a new account opened with MoneyLion IncXXXX in late XXXX. We called MoneyLion IncXXXX on XX/XX/2021 letting them know to flag the account, that it was fraudulently opened and there was a police report filed. At this point, an account had already been opened. We monitored the credit reports and noticed that there was a loan amount now w/ a due date on the MoneyLion account ( we didn't notice it previously ) as it was noted as a checking account, not a loan. We called back again on XX/XX/2021 and explained the whole situation a second time. This time, they sent a link in an email asking us to file a dispute/correction. We completed the dispute within a few days of receiving the email. We reviewed the credit reports again and now see that this account is reporting 60 days late. It is our understanding that disputes need to be resolved within 30 days and it is well past that. At this point, MoneyLion is now fraudulently reporting this account on all XXXX credit reports. We have called multiple times this month ( XXXX ) to the Fraud Dept but unable to get through due to a automated message that states " your phone number has been registered in our voicemail, you can expect a call from a representative as soon as possible ''. There has been no phone call, no email and no way to get a hold of someone that can remove this from the reports. We are in the middle of buying a home and this has delayed the process and we have missed out on many homes because of MoneyLion 's inability to correct this fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Amerisave Mortgage took an application fee of {$500.00} saying that the could refinance my mortgage@ 2.5 % know what the income was prior to taking the {$500.00} application fee. Mortgage broker stated the underwriter was rejecting the application due to not enough income. I stated that my wife 's income could also be used.. broker asked what was her credit score. To this date I have not received anything stating from Amerisave or the underwriter why the loan application was denied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am an XXXX member of the XXXX. I purchased my home in XXXX, paid the mortgage every month as agreed till now. Unsure how Nationstar Mortgage damaged this consistent payment, but they stated i did not pay my Mortgage for XXXX, XXXX and XXXX of XXXX then reported me 120 day past due in my credit report. My bank XXXX faxed documents ( Bank Statements ) proving all payments were sent electronically directly to them on time. Multiple calls were made, 3 internal Nationstar investigations/research completed, with no conclusion other than letters from Nationstar threatening FORECLOSURE!!! Nationstar has not only cause Pain to me and my family mentally and emotionally they have disrupted my financial standing by double dipping in to my checking account causing overdrafts and NSF. After informing them that i have the Credit Trace and File trace number for all the transaction made, they informed me over the phone it will be adjusted. I requested all findings be forwarded to my email for proof to my employers ( XXXX ). How is it that this company gets to XXXX up with no consequences? the damage has been done to my family and way of living, the mental and financial scares are deep. What is even sadder is i literally have fought and continue to fight and placed my life on the line to protect the freedom they enjoy today. Months without my children and wife, yes i understand i chose this, but does that make it ok for them to treat me like an XXXX or second rate citizen? I plan on taking legal action, i need help please. 
XXXX in need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Credit Karma, LLC
State: OH
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: Problem getting your free annual credit report

Complaint:
I BEEN TRYING TO HET MY FREE CREDIT REPORT I NEVER HAD ANYTHING IN MY NAME I KEEP GETTING DENIED FOR MY CREDIT REPORT I PIT ALL MY INFORMATION IN CORRECTLY I XXXX  XXXX   XXXX BORN ON XXXX XXXX XXXX-XXXX-XXXX  DONT KNOW WHATS GOONG ON BUT I NEED TO GET TO THE BOTTOM OF IT SOON MY EMAIL IS XXXX MY MAILING ADDRESS IS XXXX XXXX XXXX XXXX XXXX Ohio XXXX  AND BEFORE THEN I STAYED ON XXXX XXXX XXXX XXXX XXXX OH XXXX   PLEASE HELP PLEASE ILL GIVE ANY DOCUMENTS I NEED TO PROVIDE TO YOU UPON YOUR REQUEST THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Loans and debt that are not mine. Trying to buy a home and this is affecting my ability to do so. Please help me get this removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For 4 years, paid my mortgage though automatic transfer from my TD BANK checking account to my mortgage that is also with TD BANK. 

My payment is deducted on the XXXX  of every month. The account had suffcient funds available. 

On XX/XX/2018 the automatic transfer was attempted, and was rejected from TD BANK to TD BANK. They simply left the account unpaid, with no attempt at notification. No phone call, no letter, then they went back to deducting payments on XX/XX/2018. 

The payment shows up in my transfer history. They reported me as having a late payment to the credit bureau by over 45 days, They admit that their system rejected the payment, that the error was on their end, and they refunded the late fee. However they refuse to correct the credit mark. 

I have made payments in excess of my required payments, more than enough to cover the payment that they claim was missed due to their error - however they refuse to correct the credit mark.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I signed documents pertaining to the acquisition/purchase of my home at XXXX XXXX XXXX XXXX New York XXXX XXXX However the pervious property owner is in violation for failing to deliver what was promised as I am yet to be notified of acceptance as the New owner an my signature doesn't appear on the Warranty Deed ( fraud ) ( violation ) all parties are to be presented at signing 15 USC 45 , I never received the purchase money loan ( cash advance ) that entails a finance charge from The Veteran Affairs, Veterans XXXX XXXX XXXX XXXX Wells Fargo Home Mortgage , A Promissory Note doesn't constitute a loan. A LOAN means debt evidence by Promissory Note plus interest, I XXXX XXXX XXXX am yet to identify what was loaned to me by The XXXX XXXX,, XXXX XXXX XXXX XXXX and or Wells Fargo Home Mortgage. There is no Contract how can a Trustee enforce what I never accepted? There is no contract. The mortgage is the agreement that pledge the property as collateral for the loan, But once I am yet to identify what was loaned to me. There is also violation of not having the NOTICE so I assert my right not to pay all to creditors under contract, The collateral can not be the loan, the collateral is my home. Where is the loan proceeds

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 2019-08-17
Company: EQUIFAX, INC.
State: NC
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:
You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX, XXXX, XXXX, DEPT OF ED, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, DEPT OF ED, XXXX, XXXXXXXX XXXX XXXX If you do not remove it from my record, please provide me with written proof of every detail shown in your entry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Theyve called me just about every day except for Sunday. Sometimes 2 or 3x a day. They called me on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I owe them about {$300.00}, I chatted with someone yesterday about the repeated calls and they basically said that they can do that. I told them that its borderline harassment to call me every multiple times a day, for several days. And I feel like theyre covering their tracks by it being a robot saying they wan na discuss an important matter but its very obvious they want their money that I dont have right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid 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:
When I opened accounts with Capital One Bank, Capital One had incentives like balance Transfers, or low interest on purchases etc. I used my accounts, paid them off to a XXXX balance and earned an {$30000.00} credit limit. on account ending in XXXX. This account was not used for a while. Capital One sent me a notice that they wanted me to use this credit card account. When I tried to use this account to make purchases and this credit account was declined several times. I then contacted Capital one and their representatives told me that there are restrictions limiting the use of this account. Then there was a security breach on the account, restricting me further. Capital one then lowers the credit limits from {$30000.00} to {$10000.00} credit limit. I then received a red flag from XXXX ( XXXX ) telling me that Capital One had a security breach. I then received XXXX notices from Capital one ( crediXXXX Wise ) that my credit scores have changed from all three bureaus, losing several credit score points from each onXXXX. This happened all because of Capital one lowering my credit limit from {$30000.00} to {$10000.00}. It seems that the more business I gave Capital one the more they punish t me. I guess this is the way Capital One likes to do business. Shame on Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX : XXXX, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2023-08-30
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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