BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

The letters are stated with items and issues. 

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX, Account # XXXX XXXX  XXXX XXXX XXXX Account # 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 States : A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any 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 2022-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2022-12-06
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Mr. Cooper Group Inc.
State: WY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
On or about XX/XX/2023, I contacted Mr Cooper mortgage about having my FHA mortgage assumed. They advised that a loan assumption would take approximately 60 days to complete. On XX/XX/2023, a buyer made an offer on my house contingent upon them being able to assume my FHA loan with Mr Cooper. I immediately contacted Mr Cooper and requested to start the assumption process. They refused to email the assumption application documents until after they had been mailed. Once mailed several days after requested, I had to call and request the documents emailed on XX/XX/2023. Once emailed, the assumer and I completed the requested documents within 24 hours of receipt and emailed them back on XX/XX/2023. Mr Cooper failed to have contact with me and I did not receive updates unless I called customer service. I called on XX/XX/2023 and was notified that another form needed to be completed. I promptly completed the form and emailed it back to them the same day. Mr Cooper again failed to have contact with me. I called several times the following week. I was advised that all documents were completed and received as of XX/XX/2023. I asked to speak to a loan officer and they refused to let me speak with one. Over the next 3 weeks, I was told that the assumption process was backed up and would take 4-6 months to complete. I requested several times to speak with a loan officer or manager and was denied. I asked to have the assumption escalated. I was advised that a loan officer would contact me by XX/XX/2023 but they failed to do so. Customer service continued to deny me my request to speak with a loan officer or manager of the assumption department.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 : # 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 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. 

They have marked my account with a charge off and a derogatory mark. My visions credit card was reported with unauthorized use and I had ordered a new replacement card that never was delivered. The account as of XX/XX/2023 is paid off. 

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 account # XXXX In accordance with the law, I sent the attached letter to creditors in order to confirm the debt my credit report say I owe. They were unable to verify this debt they say I allegedly open. Since the alleged creditor were unable to verify your credit bureau could not have verified this item. 
Im asking that you remove all references to this account from my credit report within thirty ( 30 ) days Sincerely XXXX XXXX Also here is a video of the copy of letter I sent certified mail.

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. The letters are stated with items and issues. 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 2022-04-22
Company: EQUIFAX, INC.
State: NJ
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: ADVISORS MORTGAGE GROUP, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We closed on our condo on XX/XX/XXXX. I was told that it would take a few months for the credit reports to show that mortgage is being reported. I started checking in XX/XX/XXXX, 3 months after and no mortgage was reported. I checked in XXXX, 4 months after closing, still nothing was reported. 

I emailed XXXX XXXX at Advisors Mortgage- my loan manager- with this issue and he said he did not know why that was. I also wrote that I was planning on refinancing this mortgage in XX/XX/XXXX and XXXX responded that he was going to help me with refinancing and check why mortgage was not showing as reported on my credit reports. 

I spoke to XXXX XXXX on the phone sometime in XX/XX/XXXX about refinancing or HELOC options. I also raised the continued issue of mortage not being reported to my credit reports, non of the XXXX credit bureaus showed history of me having a mortgage. XXXX said that he would have to run my credit report once again to see that it was not showing and then tried resolve it. I said, absolutely no to that proposition as hard pull of the credit history affects credit negatively. I have not heard from Mortage Advisors since. I feel that something is very wrong about a mortgage company not wanting to report to credit bureaus that I am paying for my mortgage yet when I want to refinance it, they are eager to help me and run my credit report again. This is wrong. 

I also called the operator at Advisors Mortgage and they said I needed to speak to loan manager for this but my load manager was not able to help. 

I have been paying my mortage every month on time since I closed on it in XX/XX/XXXX. It has been ten ( 10 ) months of payments that have not been reported to any of the XXXX  credit bureaus. I have exhausted all the options and do not know what to do. 

XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX I was notified by a potential housing development that I was denied due satisfactory credit history from Equifax. Additionally, on XX/XX/XXXX a lender I've currently been working with since XX/XX/XXXX denied my loan for the same reason. This prompted me to call Equifax on XX/XX/XXXX to get clarification. The first call on XX/XX/XXXX lasted for 1 hour and 44 minutes, with supervisor XXXX  XXXX, stating she removed a credit freeze from my account, although I had not placed one my account. I was told my file would be available within one hour. On XX/XX/XXXX, I contacted the lender, however was told the same were unable to pull my credit report. Contacted Equifax at XXXX XXXX  XXXX spent another 54 minutes on the phone with the representative who said they corrected the issue and my report would be available immediately. Once again this problem was not fixed. Contacted Equifax again on XX/XX/XXXX at XXXX this time speaking with XXXX who informed me the reason for the problem was that my date of birth was incorrect still. I've filed two previous claims in XXXX with the CFPB which addressed incorrect date of birth. I've have previously uploaded a copy of my drivers license via their online portal on myequifax, sent a physical copy of both my license and social security card to the address in GA and faxed a copies as well. Upon logging into myequifax.com it has now been discovered that my XXXX XXXX XXXX son 's social security number is listed as mine. XXXX and I discussed this matter yesterday as her system does not show my son 's SS number but mine just with the incorrect date of birth. So Equifax 's systems aren't matching. I have faxed yet again another copy of my correct date of birth and social security card. However Equifax can not explain how this information was updated or where the information was reported from. I was included in their XXXX data breech and was offered a free credit monitoring service, yet was not informed that my date of birth and social security number changed. Also, they are still reporting the incorrect collection account from XXXX XXXX after i've provided proof of the correct date and bankruptcy documentation. Case number 's XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony Bank has selectively acted in bad faith with me. First, Synchrony Bank closes my Care Credit when I had paid the total balance to zero. I made all the payments on time. XXXX, I applied for Sam 's Club Credit card and Synchrony Bank issued me a Sam 's Club Master Card for {$2500.00}, when my credit score was the lowest due to XXXX XXXX XXXX in 2019 illegally, 3 months later they restored my payments and benefits for myself as my son as his caregiver. This was at a time when my credit score was XXXX. I don't know how to explain to them that It's not something I did or am doing. Then they give me a story that I have to many inquiries or that I didn't ' pay on time, but it's not true! Just today I get an email Synchrony saying Thank you for your dispute. But when I logged onto my account, to my shock and disbelief Synchrony once again reduced my limit from {$760.00} to {$250.00}, without any valid reasons. The thing is that my checking account 's number change to a different number due to fraud. So then XXXX XXXX  servicer when I pay with my new bank account, the payments get returned even though my bank account is valid, it's just a new number, same bank. I've explained to them, but it does not matter, since their dictatorship says that I have a bad score, but don't verify with me the validity. And next month my credit score is going to be fixed because so many without my authorization keep inquiring the credit bureaus. In other words, Synchrony is acting as it's own jury and judge without due process nor notifying me if what they reviewed is true, but it's not. I do have a XXXX XXXX XXXX by Synchrony that I've had for over 20 years, but fortunately, Synchrony leaves it alone and my credit limit is {$4000.00}. So, they discriminate against me, picking and choosing what credit to approve and which XXXX Synchrony don't scrutinize. Therefore, I beg Synchrony not to hurt me this way, I'm still the same person that I was when my score was XXXX. I plead to Synchrony to be fair for my best interest not for some records that contain a great deal of misinformation. I think the length of time I have been making payments on time should suffice. Please Synchrony, I changed a bank account number only, and I'm not the one that returned the payments. It's just that XXXX has not done it's job. Please help me. Thank you, so very much and XXXX XXXX XXXX. Please make my 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 2022-12-06
Company: Receivables Management Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RMP SERVICES LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) has been FRAUDULENTLY reporting on my credit report and I have sent them correspondence about it. They are just reporting unlawfully without bonafide proof. I have no agreements or contracts with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AFNI INC put a serious past die on my credit when I called they could not tell me who they were trying to collect for said it could be numerous company PLEASE TAKE IN MIND SEE ATTACHED NO INFORMATION AND JUST A PARTIAL ACCOUNT NUMBER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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.

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