BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws have been broken under the FCRA by your company. This has caused me financial injury as well as defamation of character and I haven't been able to rightfully obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper did not send the correct amt payment on first property tax installment. They were contacted by county tax collector and given XXXX days to submit the {$10.00} difference or payment would be sent back They did not respond. When second installment came due, Mr. Cooper sent the correct amt, but the tax collector did not process payment because the first installment was considered not paid. That check was also returned. After no response from Mr.Cooper, I was sent the notice of unpaid taxes from tax collector. I started calling Mr. Cooper immediately. I started since XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX. Every call was with a different tech and I had to start with my story from the beginning. Each one telling me that it would take XXXX days to resolve. I was instructed to check on line in my account for escrow updates. Nothing, I have also done the chat on line, requested management to deal with to no avail. I was told that there was an error due to escrow funds being redeposited after my refinance in XXXX of XXXX. I have been issued XXXX different refund check ( XXXX were voided ) for an escrow overage acct. I was finally told to send a copy of my red notice from tax collector because according to their records it shows they were paid. That was sent. Nobody acknowledged receipt or returns my calls or answers my e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX CARD XXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-05-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Unauthorized online wire transfer on my Citibank account, for transaction ( s ) posted on XX/XX/2022 for a total amount of {$68000.00} Claim number : XXXX My name is XXXX XXXX, I am a XXXX XXXX XXXX XXXXXXXX ) licensed in New York State, and I am currently working for XXXX XXXX XXXX XXXX XXXX, New York . I am also a Citibank customer for 22 years. On XX/XX/2022, an unexpected and unimaginable event occurred in my Citibank account ( # XXXX ) putting my life in limbo. A person or a group of people that I do not know accessed my bank account under unclear conditions, and made an unauthorized online wire transfer in the amount of {$68000.00}. In the fraudulent process my savings as well as my custom credit line are gone. 

I attest the online wire transfer was not authorized by me ; I received no benefit from the issuance of this transfer. The person ( s ), who initiated this online wire transfer is not authorized to use this account ( # XXXX ). I further attest that there is no co-signer in my Citibank account. I am the only one and sole owner of the account ( # XXXX ), I declare, as I did in the affidavit I signed and sent on XX/XX/2022 to Citibank Fraud Prevention, I was not negligent in contributing to the unauthorized online wire transfer.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX  XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX  XXXX XXXX  account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX account XXXX  account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX  XXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Also the following inquiries Transunion XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and last reported date is not accurate, the closed date is not accurate and last payment date is inaccurate, Days late are also inaccurate. This is grounds for removal they also violated my rights under 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. 

Also the Credit bureaus took more than 30 days to complete my 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 2023-05-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX  XXXX Account XXXXXXXX  Account name : XXXX XXXX Account NumberXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX has reported 12 late payments to my account, on all 3 bureaus. I have never missed a payment and have made payments early.

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 2020-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
A few weeks ago I received a promotional offer that I was Pre-approved for a Capital One Quicksilver Credit Card. I went online, applied for the credit card, got approved, and received the credit cards. 

Less than a week after I received my physical cards, my accounts were closed. The false promotional advertising by Capital One ( even receiving my card ) has led to my credit score decreasing because of an inquiry which will take 18 Months to recover from. 

I called Capital One on XX/XX/2020 about it only to be fumbled around different departments with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Professional Debt Mediation, 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:
account # is XXXXXXXX XXXX XXXX XXXX for XXXX open date is XX/XX/2022 i contact the company about this debt and the social security number is do not belongs to me and there are saying debt verify by who because that was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX  XXXXXXXX XXXX Date of inquiry : XX/XX/2021

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 2022-02-17
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-11-02
Company: EQUIFAX, INC.
State: NE
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these Items to be authenticated ( A ). I will take legal action against you if you do not validate these Items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws have been broken under the FCRA by your company. This has caused me financial injury as well as defamation of character and I haven't been able to rightfully obtain credit.

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 2018-08-06
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX I sold my home after 47 years, Had the XXXX card since XXXX. 
I drove and traveled around us for 3 months using my brothers address in SC. Got locked out of my card constantly for the address which was hard as I was driving down to the south. Short version my cell broke, got a new one and then it began. They would not accept It was new. would not help, e and locked up the card. I needed to verrify from the old cell, Talked to fraud dept many many times, they said the ladt one its fixed promise you. 
I prepayed on XX/XX/XXXX dollars cause I was locked out on line, Tried to use card XX/XX/XXXX by my new home in XXXX, wa. emabassed cause I was locked stil. would not give me gas so I used my visa. Not my XXXX gas card. He chaged me XXXX on my card but I did not get it with the card. 
I jad it on my visa. I just gots tmt called. again they wont accept its me because they dont have this cell. I gave it to them but not good enough nor do they record it. I was on my old home phone that they have the number. 
He sent me a code I gave, it back but not good enough becauee the phone is through the internet. I have a nalance owed of XXXX since I had paid ahead XXXX dollars. I will have to pay this to save my credit but I did not get the gas my account was locked. These people are not practising good business practices, I told them to close my account and he said pay the bill. I told them before to close the account and he at the fraud division isnce no no I fixed the problem. Here I am payimg for something I did not buy, The XXXX gentleman at the counter thought it was funny. He must have put the gas in his vehicle. what time was it pumped?

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 2023-08-01
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-05-19
Company: EQUIFAX, INC.
State: CA
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:
Im 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 168XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602a. States I have a right to privacy.

15 USC 1681 section 604a. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 7 years.

15 USC 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 non-monetary relief
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: MI
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 sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.. Also I have attached the letter I sent out and here is the tracking # s XXXX, XXXX, XXXX, According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 


List of inaccurate accounts 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 non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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