BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Section 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the person/corporation generating the report is NOT included in the consumer reports. However, XXXX is currently including this information. This inclusion of excluded data, as outlined in 15 USC 1681 ( d ) ( 2 ) ( A ) ( i ), represents a clear violation of Metro2 compliance standards. I am requesting the Metro2 compliance disclosure regarding the reporting of transactions to a consumer reporting agency. Specifically, I need the transactions reporting as late, collection/charge-offs, and ANY other derogatory information from my consumer reports, deleted from my consumer report effective immediately. 

Do not respond with this account has been validated, I want to be clear, I am not asking you to validate or verify anything. Please refrain from responding with these tactics that will waste my valuable time. It is important to note that these accounts have been designated as being in collection/charge-off WITHOUT providing me with a copy of IRS Form 1099-C, which is required for Cancellation of Debt. This action by XXXX and the creditors who are reporting collections/charge-offs, late payments, and other derogatory information in my consumer reports is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities. 

If the derogatory account information is not removed from my consumer reports within 15 days, I will have no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all persons/corporations involved.

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 2023-07-14
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14
Company: Atlanticus Services Corporation
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023, the IRS accepted the 1099-C for the cancellation of debt owed to Fortiva Retail Credit XXXX And on XX/XX/2023 a 1099-C was received by me from the IRS advising me that the debt has been discharged ( cancelled or forgiven ) and Fortiva is still attempting to collect on the charged off loan. Additionally, payment was sent in full to the indenture trustee XXXX XXXX with XXXX XXXX XXXX XXXX. Though I have not yet heard back from her, according to the UCC, 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Additionally, federal law says that it's illegal to report transaction history. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER, Per 16 CFR 433.2. 
The account with Fortiva Retail Credit an open-ended credit line and the credit application became a security the moment my signature was obtained. Fortiva Retail Credit and its trust companies and parent companies have committed securities fraud against me for the sale and securitization of the security that I provided them in which I received no valuable consideration for said security and it is still being traded on the secondary market.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently disputed this account with Transunion. Transunion claims that this account is validated but the response is violating the requirement set by 15 USC 1681i 3 ( C ) and 15 USC 1681i 4.

In the dispute I asked for 2 things : Transunion provides a copy of 1099 that send to me for the charge-off. A copy of the disclosure document that I signed allowing XXXX to furnish this item on my consumer report. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Content of notice and Consideration of consumer information I am requesting the following : Copy of the disclosure document that the bank provided stating that I gave permission to disclose the information. Transunion and XXXX are violating my right to privacy. 
Documentation of the steps and process that Transunion used to validate this account. 
How the data that I provided was used in the validation process. 

If Transunion can not provide this information, that confirmed that Transunion acted unfairly validation of this account. 

All my most recent attempt to talk to Transunion have resulted in their associate hanging up on me.

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 2023-11-22
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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXXXXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXXXXXX Balance : {$4700.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX Balance : {$4100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: MI
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:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, it is my right to privacy.

Per the Security Exchange Act of 1934, the certificate of indebtedness once deposit any credit balance on the account over {$1.00} should be credited to I the consumer. As the consumer in this credit transaction, I can not be late on a balance due to me the federally protected consumer. I have not received my check.

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties.

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 2023-06-13
Company: Genesis FS Card Services, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I found this GENESIS CARD SVCS company on my credit report with 2 different cards. A destiny y and indigo. I have never heard of this company until now. I contacted them and made them fully aware of the situation and that I never authorized any accounts under my social to be opened with them. As well as I never lived at whatever address they have listed. I spoke to 2 managers in which one of them stated to me the former rep never properly marked it as fraud. They said she just closed it and did nothing. Else so he proceeded to properly file the accounts. This is not okay and I should not have to go back n forth with this company about this when I have other accounts also that have been fraudulently opened under my social due to the XXXX and XXXX  date breach my info is on the dark web. All other company have promptly taken action to correction this plaguing problem. But GENESIS is still giving me the rub around. REMOVE ME FROM YOUR SYSTEM and DELETE THESE ACCOUNTS OFF MY CREDIT REPORT IMMEDIATELY! You are damaging my livelihood with FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NC
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly.

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: GA
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ON XX/XX/2023 I was made aware Someone made credit accounts in my name with creditors I did not authorize. Now I will attach a police report, FTC report, my old ID with renewal paper, and a phone bill that has my current address. every other address reporting is incorrect and needs to be deleted along with every fraud account I'm reporting. Per the FCRA you have 4 days to delete these accounts. I will pursue legal litigation if needed to fix this issue of fraud. Please see attached documents with accounts and numbers that need to be deleted.

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 2020-02-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have lived in my home for almost 43 years. 
I began writing my history of how everything led up to the problem I am going through, but I know that you may be interested in specific facts. 
My most current problem is that even though I have been going through a short sale, and the first bank that I owe called XXXX XXXX, was working fine with my buyers, Chase, the secondary loan bank, which was actually a predatory loan, back in XXXX  or XXXX, ( I had just refinanced, in order to fund a group of people who were going to work together to buy and flip houses ) The same Chase loan person called me and said that I had so much equity in the house, why don't I get a Home Equity Line of Credit, I told him that I didn't need it, but he said, well you have all this equity, any time that you need anything you can just write a check. I agreed to it. But did not touch it until I wanted to help my daughter with a vehicle she had purchased, and the plan was to pay me monthly instead of paying high interest. That didn't pan out. 
Okay, so, Chase, who in a short sale would normally get a small amount because the first loan would get the bulk of the short sale, began demanding more money and creating delays in the short sale. I had gone through a chapter XXXX Bankruptcy last year, and just no longer had enough income to pay around {$400.00} to settle both loans. Also, and this has been a very big injustice, even though I tried to modify the loan with XXXX 5 times, at least, kept me at 7.5 % interest, even though President Obama had put out that banks should make it easier for homeowners. They still have me at 7.5 %, and so the debt goes higher and higher. I have adjourned foreclosure many times, and now because of Chase, demanding more, XXXX has taken the short sale off the table. I am XXXX years old and had a very XXXX XXXX XXXX of the XXXX  XXXX  XXXX  being XXXX. I was planning my future to have some moving expenses made available to me through the short sale. Now, the foreclosure is coming up on XXXX XXXX, and I have no money to put 43 years of belongings into storage. 
I endure XXXX  XXXX  XXXX, but I keep working as a XXXX XXXX. Chase has been present at the scheduled foreclosures in order to bid on my home. I believe they are creating this short sale problem to be able to get the home through foreclosure. XXXX XXXX attorney has pretended not to know this. 
I was my mother 's caregiver for 9 years here in this home. My father, XXXX Veteran wanted to stay here, but he moved out and my brother cares for him. 
I have documents to support what I am saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
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 status incorrect

Complaint:
I was pressured into applying for a loan amount I did not need! I asked for {$XXXX} and the agent applied for {$XXXX}. I feel I was not approved because of false and misleading information on my report and the amount, that I did not want!

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 2021-03-18
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for mortgage assistance on XX/XX/XXXX thru Mr Cooper. I was denied on XX/XX/XXXX the reason Mr Cooper told me verbally was, they stated the file was denied because I received a modification in XXXX, then again on XXXX, which both those years are correct the problem is they stated the investor only allows 3 modifications in the life of the loan, I only received 2 but they claim since I submitted for one on XX/XX/XXXX and declined me that submission on XX/XX/XXXX counted as a modification therefor my modification options have been exhausted. 

Even in the denial letter which I had to ask for multiple times and never came in time so I can appeal, I have attached the denial letter. 

I asked for assistance due to the death of my husband but Mr Cooper is refusing to help me, I am concerned of loosing my home due to the fact.. Mr. Cooper will not properly give me the opportunity to get current. I've asked for Mr. Cooper to place the amount I owe to the end of the loan and leave my rate and payment and terms the same simply to allow me at least for 1 year to make payments on time so I can refinance out of this loan but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Victoria Secret Credit card, decreased my {$1000.00} credit limit to {$100.00} after I paid it off and did not use the card for a couple of months. When I went to use it for XXXX gifts for my 3 daughters, is when I discovered they had lowered my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw a medical bill from Nationwide Recovery for XXXX XXXX XXXX at {$1600.00}. I did not receive any notification for any debt for medical services as an indigent individual. I was homeless with no physical address to receive any forwarded mail. I also let the hospital know I was an indigent vagrant and did not have any insurance or money.

Company response to consumer: Closed with explanation