BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted XXXX on many diffrent occasions and nothing has been done about the fraudulent inquires that are on my credit reports I have sent them detailed information such as police reports, FTC reports and nothing has been done the Inquires need to be removed due to the I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit these inquest need to be removed as they are fraudulent inquires [ 15 U.S.C. 1681 ] these need to be blocked from my credit 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 2021-08-18
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a vicitim of identity theft I have contacted XXXX multiple times supplying them with a certified NOTARIZED police report from the XXXX Texas Police Department. I have also contacted the FEDERAL TRADE COMISSION submitting a FTC identity theft affadavit concerning the Fraudulent acitvity that needs to be deleted from credit report. I have contacted the furnishers ( XXXX XXXX XXXX XXXX ) / ( RBC COLLECTION AGENCY ) to notify them by law that the accounts opened under my personal information were all done without my permission and needs to be immediately deleted. 


1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$110.00} 2. RBC {$350.00} opened XXXX XXXX original creditor : XXXX XXXX XXXX 3. RBC {$180.00} opened XX/XX/XXXX original creditor XXXX XXXX XXXX FRAUDULENT INQUIRY XXXX / XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: NY
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, these accounts and inquiries below have violated my federally protected consumer right 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX - Inquired on XX/XX/XXXX - Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts and inquiries have violated the consumer 's right to privacy. 

15 USC 1681 sec. 602 A states the consumer has the right to privacy. 15 USC 1681 sec. 604 A sec 2 states that a consumer reporting agency can not furnish an account without the consumer 's written instructions. 15 USC 1681c. ( a ) states that : no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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 asked the credit bureau to do an actually do a verification of everything on my credit report and they did everything and stated everything was accurate and I did a thorough research myself and found improper inaccuracy on my credit app, report. Even after they did a thorough research right. In accordance with the Fair Credit Reporting Act cXXXX  Credit Acceptance Account # 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 consent

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 2021-04-15
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/2021 I sent a letter regarding my rights as a Federally protected under title XXXX XXXX XXXX. It has been 60 days and I have not received a response yet. Why is that. I fell as if my rights are being violated. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report It has been over 60 days so they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sure, here is a brief description of each of the terms you mentioned : Date Opened : This is the date when the credit account was first established or opened by the borrower. This information is important as it helps lenders determine the age of the credit account, which is a factor in assessing creditworthiness. 

High Credit Limit : This refers to the maximum amount of credit that has been extended to the borrower for a particular account. The high credit limit is an important factor in determining the credit utilization ratio, which is the ratio of credit used to the total credit available. 

Credit Limit : This is the maximum amount of credit that the borrower is authorized to use on a particular credit account. This information is important as it helps borrowers manage their credit utilization and avoid going over their credit limit, which can result in penalties and fees. 

Last Reported : This refers to the date when the credit account was last reported to the credit bureau by the lender. This information is important as it helps lenders and credit bureaus maintain accurate and up-to-date credit reports. 

Date Last Active : This is the date when the borrower last used the credit account. This information is important as it helps lenders and credit bureaus assess the risk of lending to a particular borrower. 

Date of Last Payment : This is the date when the borrower last made a payment towards the credit account. This information is important as it helps lenders and credit bureaus assess the borrower 's payment history and creditworthiness.

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 2022-04-11
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
When I closed the reverse mortgage loan I was told I needed to have several things fixed on my house. I had those repairs done in XX/XX/2022. I started calling the mortgage company. I have been cut off, hung up on, given incorrect information and transferred to the wrong number several times. Every time I call its a very long hold time. I finally found out I have to submit invoices. I did that on Tuesday XXXX at noon to their repairs department to the email I was given. Of course, I never heard back from them. I called Thursday XXXX and was told there were no notes on my account, but I should hear something Friday or Monday. Nothing, so I called Monday. After being on hold, transferred to the wrong department, on hold again, I got a customer service person who put me on hold for a very long time. Then she said yes, they did get my email and I should be getting an email soon with a form I have to fill out. Obviously, they are stalling so they dont have to pay me the {$3300.00} they are holding until I get the repairs done. Meanwhile I had to spend my money. This is the worst company I have ever dealt with. The reviews on this company are XXXX XXXX  bad. The company is PHH Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XX/XX/XXXX, the XXXX XXXX XXXX  recorded, against my credit score, a  false and untrue foreclosure. This foreclosure never took place, and a court order, to XXXX, ordered them to retract this false foreclosure. 
Subsequently, when the foreclosure was not removed from my credit score,  I wrote them, asking them to remove this false foreclosure, and other false statements that we had defaulted on payments to the XXXX XXXX XXXX, which we did not owe. 
As of todays date, XX/XX/2019, this false foreclosure is still showing up on my credit report. 
Attached are copies of 2 letters which I had sent them, and an article stating that all XXXX foreclosures are fraudulent and scams.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I am re-sending this letter as it appears that my previous correspondence via mail sent to your head office did not reach you, as there was no response from your end. I have been anticipating a reply for the past months, but unfortunately, there have been no updates from your agency regarding the following accounts : -- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2023-02-16
Company: TFC Credit Corporation of California
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is not a loan although they call it that. I never received any money. TFC collects tuition installment payments for education providers. 

In my case, in XX/XX/ 2022 I contracted with XXXX XXXX XXXX, the sole proprietor of a business that provided specific vocational training in a four-month program, to pay her installment amounts for the program which was to begin on XX/XX/, 2022. Unfortunately, she died unexpectedly on XX/XX/, 2022, before the program began. It was announced by her husband on the program 's XXXX group and that he had immediately closed her school. 

Her death nullified the contract not only with me but with TFC, a fact about which they are puzzlingly indifferent. They did not know she had died and instead of using their contact information for her to find out if she was deceased wanted me to provide a death certificate. I do not have legal standing in Georgia to request her death certificate. That is reserved for family members and family attorneys. I sent screenshots of her obituary and the husband 's XXXX postings. In any event, the burden of proof is not on me. I and the other XXXX  have sustained the damages in this case yet TFC continues to attempt to collect tuition payments for classes I never received. They even phoned in violation of federal law after I requested all communication to be in writing for legal reasons. 

Fearing for my credit rating, in the months after the death I made payments assuming the husband would rectify and settle with the XXXX XXXXeft in the lurch. He never did. 

I had the barest of contact with XXXX XXXX XXXX before her death. This was a very brief business relationship. I am trying to find contact information for her husband to go to small claims court to recoup my money. I am the one who is owed money in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
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.

Please assist me with removing this fraudulent account from my credit report. I have this account on my credit report that was not authorized by me. 

Company : XXXX  Date Opened : XX/XX/XXXX XXXX  Amount : {$6000.00}

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 2020-03-26
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the Coronavirus crisis many mortgage companies are waiving up to 90 days of payments Roundpoint Mortgage in South Carolina is operating in Arizona and had recently acquired my daughter 's mortgage When she called to today because she recently was laid off because of Coronavirus and was seeking help Roundpoint told that they would give her a 90 day grace period but on day 91 she would be required to repay the past 9p days as well as her current payment and failure to do so they would foreclose on her home How does this happen? Is this legal? We have friends and family who's mortgage companies have waived 90 days We need help immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth :XX/XX/XXXXTo Whom It May Concern, I am writing to file a formal dispute regarding inaccuracies and unauthorized inquiries present on my credit report. I believe that my rights, as protected by the Fair Credit Reporting Act ( FCRA ), have been violated by the following creditors : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These violations directly affect my financial well-being and have caused undue stress and hardship. While I understand that errors can occur, the frequency and severity of these violations have significantly impacted my ability to secure favorable credit terms. This situation has also led to emotional distress and hindered my pursuit of important life goals, such as obtaining a mortgage for a stable home environment. 

I kindly request your intervention to enforce the legal protection afforded to consumers under the FCRA. I urge the creditors mentioned above to investigate and rectify the inaccuracies, unauthorized inquiries, and violations outlined in this letter. Furthermore, I request the removal of the unverified accounts associated with the aforementioned creditors from my credit report. 

I appreciate your prompt attention to this matter and trust that you will ensure that my rights are upheld. Please inform me of the steps you take and the resolution reached. I can be reached at [ your email address ] or [ your phone number ] for any communication related to this dispute. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX XXXX, 2022 XXXX am I received an email from XXXX XXXX stating " Identity Verification Transaction Detected by XXXX XXXX  ''. I called them that afternoon and a case was opened to get information regarding the detection. I was told the " Alerts and Restoration '' was busy and should return my phone call by XXXX XX/XX/2022. On XXXX  XXXX XXXX, 2022 XXXX am I received an email stating " XXXX XXXX XXXX Membership Is Cancelled ''. I called them at approximately XXXX and was told there wasn't anything they could do regarding my case because the membership was cancelled and they had no access to any information even though the case was opened prior to cancellation. I didn't receive any information regarding the identity transaction.

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 2020-03-26
Company: EQUIFAX, 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 was looking at my credit report on XX/XX/2020 where I had noticed inaccurate Information. They are saying a company XXXX XXXX who I am not aware who they are. They are giving me hard inquires on XX/XX/2020 and XX/XX/2020. They are saying I got a loan from the. This totally Inaccurate and fraud. I never signed anything and this was never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Pursuant to 15USC 16802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with se It is the bureau 's responsibility to report accurate information ONLY, this account is listed twice with different account information, if it is for the same account how is that possible. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates. REMOVE IMMEDIATELYXXXX XXXX of this title.

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 2020-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have twice written to the chairperson of the Bank of America in XXXX, North Carolina to tell him that because of the coronavirus I am not able at this time to make payments on my debit card, my rewards credit card, and my car loan. I have heard not one single word from him but this afternoon I received a threatening email from a MsXXXX XXXX of the debt collection division of the Bank of America. To repeat, I had written to the chairperson of the Bank of America but the response of the Bank of America is to make demand that I make these payments. There can be no other interpretation of her email because the communication did not come from any banker either in the local branch in XXXX, New Jersey or by the chairman of the board of the Bank of America or any member of his executive staff! 

I now have the right to fear that the Bank of America despite my said request is demanding and will continue to demand these payments that, to repeat, because of the coronavirus I can not at this time pay!

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 monetary relief