BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-11-28
Company: Specialized Loan Servicing Holdings LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX program. This was offered to us, on the premise, that we could defer these payments to the end of the loan. With every time the forbearance was offered we took it, once again asking if these payments were to be deferred. They replied with a yes! 
Like all companies that deal with payments or collecting debts, they record the interactions with clients! 
Upon trying to start making payments again, the company wants a full payment of arrears! When I asked what happened to pushing these Forbearance deferred they replied no! Full payment! 
All we asked at this point was to modify our mortgage, again they replied with a no. We tried making Mortage payments but they told us the money would go to escrow, along with the usual monthly payment!

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 2021-01-04
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:
I reached out to XXXX about my account at the beginning of XXXX of 2020 to settle my debt in the amount of $ XXXX.I was advised by the representative my account was sold to a collection agency called XXXX XXXX XXXX XXXX I proceeded to call and email XXXX XXXX to settle my debt, however, my emails went unanswered and the number listed on the website and provided by XXXX just continuously rang. I was finally able to get a representative on the phone on XXXX XXXX and that representative then informed me that account was then sold to another collection agency XXXX XXXXXXXX XXXX. That same day, I called XXXX XXXX XXXX  to settle my account, which I did for less than the amount that was owed and advised by the representative the status of the will be updated with the credit bureaus within 14-30 days. My issue is after I received my settlement letter it states. " XXXX XXXX XXXX XXXX XXXX is in receipt of your payment ( s ) and they have been applied to your account. The above referenced account has been considered paid-in-full with a balance of {$0.00}. Contact the following credit report agencies and send them a copy of this notice according to their instructions. 
XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX Experian : XXXX WWW.EXPERIAN.COM ''. I have done this action and each credit reporting agency has come back and says that the debt is valid and still derogatory and owed. I have done my due diligence to pay the debt, and I expect the correct information to be reported on my credit reports.

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 2021-01-04
Company: Affiliate Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Between XX/XX/2020 I had received a bill of collection from XXXX  XXXX XXXX XXXX. I paid that account. Now XX/XX/2020 another company affiliate asset solutions , llc is trying to collect that same debt that I already paid. I receive phone calls and now an actual mail letter but with out a detach lower portion where it tells you to actually send a payment. I ended up going through their website. I giving out my information as it asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I was looking at my credit report recently with XXXX XXXX and XXXX I see for some reason i have a delinquency on my XXXX report and i have no open accounts at all with any late payments or misuse of utilization. Also I did not apply for anything with XXXX  XXXX XX/XX/2017 on my XXXX report. XXXX XXXX XXXX XXXX XXXX did not have permission to run my credit report for any reason. They ran my credit that day twice one under their car dealership name and one under XXXX on my XXXX XXXX. furthermore I also did not apply to XXXX  XXXX and I have been receiving phone calls saying i owe them money but did not get any loans from them I only have a hard inquiry for some reason and it does not show up on my accounts in any of the credit bureaus so that is fraud. Please remove these hard inquiries from my report and have that fraud delinquency removed as well thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am opting out of all ChexSystems, I never authorized for this company to access my information. I cease and desist for ChexSystems to use my information, reporting on my credit report at all. I do not contract and I do not consent to this company using my information at all, Upon receipt of this notice. ChexSystems opt out policies say they grants all consumers a right to opt out of the use of Personal Information for firm offers of credit and insurance ( uses of Personal Information otherwise allowed by the FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXE ) XXXX Balance : {$180.00} XXXX XXXX XXXX : {$7500.00}

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 2021-02-10
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Called to collect a debt that was not backed up with details on how I owed the debt. I have not seen any evidence that I owe this debt. When asked to send me a copy of the forms I signed, or treatment details to my address on file, I have yet to receive anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: TN
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy dismissed XXXX XXXX XXXX bankruptcy discharged XXXX XXXXXXXX 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.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: NY
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 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
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
T

hese accounts are in violation of the FCRA and Metro 2 Compliant reporting standards and according to FCRA this is a violation of my rights. I checked my report and noticed multiple billing errors under 15 USC code 1666 b billing error - the creditor 's failure to reflect properly, a payment made by the obligor or a credit issued to the obligor. The creditor did not notify me 21 days before with a statement so there should be no late payment on these accounts. I demanded to the creditors to see hard solid proof that the accounts were not paid and deemed late because of billing error. These accounts should state paid and closed with no late payments on my credit report. 


XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: LA
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 was involved in a abusive on and off relationship and I walked away for good, from this relationship, years ago. And every time I would leave this person would offer money and credit cards to come back. I didn't accept them and now I find two Authorize user credit cards showing on my credit report, as bad charged off debt. I have never applied for in person, over the phone, online nor have I signed for these accounts or given permission to the these companies to have my personal information. 

I never received a credit in my name nor have I ever used a credit card from these two companies. Any debt that was acquired on these accounts have no bearing on me, as I have no knowledge of them and didn't request them or use them. There is no documentation or verbal consent from me binding me to these debt and they should have my personal information, as I never provided it to them! 

The accounts are as follows : XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$3500.00} ( authorized user account ) XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$700.00}

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 2018-07-07
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXXXXXX obtained unauthorized copy of my credit report and hit my credit report with hard inquiry which affected my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Consumer Adjustment Company Incorporated
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:
On XX/XX/17 a second dispute was completed on a collection showing on my XXXX credit report. The institution that has filed the claim. Is not an accredited business with the XXXX, you can not get any documentation from the company to verify the information. At no time did I enter into any agreement or accept the amount being filed against me. I have no letters, voice mails, missed calls, emails, text etc. to verify they even tried making contact with me prior. Complete fraudulent and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had an appraisal completed on my residential home for a refinance XX/XX/2022. I decided once I received the appraisal that my financial goals would be better met with a different type of loan through a different lender. The new lender was okay with using the appraisal since it had been by a certified appraiser on their appraisal company 's list. The new lender asked me to obtain a transfer letter from Pennymac. I called Pennymac and was told that the appraisal could not be transferred because it was for a conventional loan. I was told that if it would have been for a VA or FHA loan, then it could be transferred. I e-mailed the loan officer the next day to ask if I could see PennyMac 's formal policy as it related to XXXX XXXX guidelines as to why it could not be transferred. I had researched XXXX XXXX guidelines which say appraisals can be transferred if lender it is being transferred to conforms to Appraisr Independence Rules. I have never had a response to the e-mail. I now have to pay full price for a completely new appraisal which is financially hard for me and will also now have to wait weeks to get a new one done which will also cause more hardship for me. 

Pennymac is my current lender, where I have an interest rate of 2.5 % on my first mortgage. I believe they were not happy I did not complete the refinance into a higher interest rate of 4.25 % and this may be why they would not transfer the appraisal. Without being able to see the policy, I have no way of knowing whether what I was told is true or if Pennymac just didn't want to give me the transfer because I didn't follow through with the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to 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 2023-04-09
Company: Experian Information Solutions 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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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
Consumer complaint received 2023-10-23
Company: EQUIFAX, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I HAVE A WALMART STORE CARD. IT IS FAIRLY EASY TO PAY BUT I HAVE ONLY ONE INCOME AND IT IS ONLY ON THE 4TH WEDNSDAY OF THE MONTH. DUE DATE FOR THIS CARD IS THE XXXX OF THE MONTH. THERE IS NO WAY FOR ME TO PAY ON THAT DATE. 

I ASKED AT LEAST 2 TIMES IF NOT 3 TIMES FOR THEM TO PUT IT AT THE END OF THE MONTH ON THE XXXX OF EACH MONTH. THEY ALWAYS SAY WELL WE CAN PUT IT THIS DATE SOMEWHERE LIKE THE XXXX, XXXX OR 19 DAY OF THE MONTH. 
ITS ALMOST AS IF I'M TALKING BUT THEY'RE NOT LISTENING. THEY CONTINUE TO ADD LATE FEES OF {$39.00} AND INTEREST FEES TO XXXX XXXX XXXX  HAS SKYROCKETED TO OVER A XXXX XXXX. I ALWAYS PAY MORE THAN THE BILL BUT CAN'T GET AHEAD BECAUSE CAPITALONE WHO OWNS THE WALMART STORE CARD WANTS TO KEEP ME FROM PAYING THE BILL BY CONTINUALLY ADDING ON FEES. 
THE COMPANY IS CAPITAL ONE AND THE CARD IS WALMART

Company response to consumer: In progress