BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: MD
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:
According to 15 U.S.C. 1681B ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transcations that are not initiated by consumer ( inquires ) - ( 1 ) In General A Consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( c ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) The consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transacation consists of a firm offer of credit or insurance.

( 3 ) INFORMATION REGARDING INQUIRES I DID NOT GIVE CONSENT TO ANY COMPANY TO PULL MY CREDIT REPORT THEY JUST PULLED IT ON THERE OWN I GUESS THEY WERE BORD OR NOT PAYING ATTENTION OR WHAT EVER THE EXCUSE IS BUT I JUST WANT THE FOLLOWING INQUIRES OFF 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 XXXXXX/XX/XXXX I HAVE TOLD THE CREDIT BURASU A MILLION TIMES ABOUT THIS ISSUE ESPECIALLY { { XXXX } }!!!! XXXX TOOK THE INQUIRES OFF SENT ME PAPER WORK THAT THEY TOOK THE PAPER WORK OFF THEN INSERTED THE INQUIRES RIGHT BACK ON MY REPORT AND DID NOT EVEN SEND ME A LETTER BEFORE HAND TO TELL ME THAT THEY WERE GOING TO DO THAT!! THAT IS A VIOLATION!!! XXXX STAY VIOLATING EVERYDAY LIKE ITS A GAME!!! I CALL XXXX AND IT TAKES ME 3 XXXX HOURS TO GET A LIVE PERSON ON THE PHONE AFTER THE COMPUTER HANGS UP ON ME OR ACT LIKE IT CAN'T VERIFY MY INFOMATION BY TELLING ME THE INFO IM GIVING THEM IS WRONG!! HOW COULD THAT BE I KNOW MHY XXXX CREDIT REPORT INSIDE OUT I KNOW MY OWN PERSONAL INFOMATION WHEN ASKED ABOUT TO BECAUSE ITS MY INFO MY LIFE!!!!!!!!!! IM TIRED OF THIS XXXX BETTER STOP PLAYING WITH ME!!!!!! AND THEY NEED TO ANSWER THE PHONE!!!! PEOPLE NEED HELP OUT HERE WE ALL HUMANS NOT ROBOTS!!!

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I checked my credit report and noticed there were unauthorized remarks being reported. Please have these accounts/remarks removed 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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On my most recent TransUnion credit report, dated XX/XX/XXXX, XXXX creditors are showing late payments in consecutive months, that are beyond the statute of limitations. 
1. XXXX XXXX XXXX XXXX  is reporting my account as 120 days late from XX/XX/XXXX through XX/XX/XXXX, although the 7 years statute of limitations passed in XX/XX/XXXX, because the account first became 30 days late in XX/XX/XXXX and continued until XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX  and someone is supposed to call me back. 

2. XXXX XXXX  Mortgage is reporting my account as XXXX days late from XX/XX/XXXX through XX/XX/XXXX, although the 7 years statute of limitations passed in XX/XX/XXXX, because the account first became 30 days late in XX/XX/XXXX and continued until XX/XX/XXXX. I contacted XXXX XXXX  Mortgage and someone is supposed to call me back, but from past dealings with XXXX, I do not expect a positive outcome. 

The bigger problem beyond just XXXX creditor is at TransUnion itself. I called TransUnion today and and was unable to resolve the issue, because a supervisor at TransUnion told me that she could not remove the late payments and it is not TransUnion 's policy to remove all late payments that are in consecutive months that occurred without a break in the late payment status, from the first month that a payment was reported. TransUnion is the only credit reporting bureau that has this policy : late payments in consecutive months that are beyond 7 years of the first late payment are not reported on XXXX and XXXX credit reports. 

Of the XXXX major credit reporting bureaus, TransUnion is the worst, primarily because it keeps late payments, etc., on the credit reports beyond the statute of limitations. The problems that I have with TransUnion are not applicable to XXXX and 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 2018-02-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To whom it may concern : Your company really needs to do more to investigate, correct the problems occurring with Equifax. The fact that this company still continues to operate is UNBELIEVEABLE! I have contacted Equifax NUMEROUS times starting in XX/XX/XXXX when I noticed my credit report/score appeared to be frozen without any  movement since XX/XX/XXXX. One of my creditors advised that it sounds like I could have a Split File. 

Most recently, I have contacted Equifax XX/XX/XXXX and sat on the phone for 42 minutes with someone who could not understand me, nor help me. I was transferred to a US representative who STILL could not assist me w/ a possible Split File. I've even spoken to representatives who do not even know what a Split File is. I was told my issue would be sent to escalations and I would be contacted ... I have not been contacted. I again contacted Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX trying to get answers as to why and how my file has disappeared. Now my bank can not monitor my remaining credit files because of Equifax! 

On both XX/XX/XXXX and XX/XX/XXXX I spoke with Supervisors. XXXX on XX/XX/XXXX as well as XXXX. XXXX confirmed there was no freeze on my account ; however, she could not access my report at all. XXXX then proceeded to tell me she was escalating my issue to the Corporate office. I still have not been contacted for assistance finding my file. On the previous days, my file was accessible. Now all of a sudden IT IS GONE?!?!?! I attempted to apply for credit and was told my file contained incomplete or missing information. HOW IS THIS POSSIBLE?! OR LEGAL?!?! 

WHY ARE YOU PEOPLE NOT DOING MORE TO HELP US?! Equifax holds our most personal and financial information ; yet, they are allowed to continue to operate in this manner? PLEASE DO SOMETHING ABOUT THIS as this CAN NOT BE LEGAL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: AR
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 : XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not issued any written consent or instructions for this to be listed on my consumer report as this is not a personal account. This is a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
Upon checking my credit report, I notice an account from SYNCB/BrandsMart that XXXX believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that SYNCB/BrandsMart were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.

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 2020-03-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
PLEASE IMMEDIATELY REMOVE THE LATE PAYMENTS SHOWN ON 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 explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company includes my child support in my payment. I have explained multiple times, including sending documentation that I do not receive my child support but, only about three times a year. During this year since inflation hit I have been struggling to make my payments. I spoke with the company on XX/XX/2022 first thing in the morning speaking to representative XXXX along with XXXX XXXX who has been helping me with this situation. During that phone call, XXXX told us both that I had to have {$4000.00} before XX/XX/2022 to stop the foreclosure. I sent the amount on XX/XX/2022 and it cleared my bank on XX/XX/2022. I was never given a reinstatement letter, which I had no idea what it was until today when my payment was again returned. I called and spoke with XXXX who told me that XXXX on XX/XX/XXXX, gave me an incorrect amount and now I have to come up with {$6300.00} by XXXX XXXX They are charging me late fees even though I was given an incorrect amount. I am on the phone with them again with XXXX to get information on the reinstatement letter and modification paperwork. Now telling me by third representative that the amount XXXX, that the information given in the XXXX phone call was nowhere correct and it is documented nowhere in there system. I was on the phone for 1 hour and 4 minutes without reaching anyone who could help me. A second reinstatement amount was given for {$6100.00} that has to be received by XX/XX/2022, that I will not be able to come up with. It was openly admitted that I received totally incorrect information from their representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
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:
Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of XXXX5 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX In addition, I would like to draw your attention to XXXX XXXX XXXX XXXX which XXXX XXXX " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number ( XXXX ) for this matter. I kindly request that you adhere to the legal obligations outlined in XXXX XXXX XXXX and promptly block the reporting of the aforementioned accounts from my consumer report within the statutory timeframe.

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 2022-11-09
Company: EQUIFAX, INC.
State: PA
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 this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681, section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Someone in XXXX, NJ fradulently made a {$1000.00} payment to my American Express card. They also placed a fradulent mailing address onto my Amex account. I do not live in XXXX. I went to XXXX and they started a stop payment. In XX/XX/2021, while I was in the hospital, someone had stolen my credit cards, debit cards as well other banking information. This is how the {$1000.00} payment was illegally processed later on. The person who had stolen my identification and other personal checking information, at the hospital, caused my account to get destroyed. I asked the bank to give me a couple of days to set up a new checking account so that my credit card account would stay in good standing. I could, then, process a payment from a new checking account to American Express. They instead closed my account. Right now, I am gravely ill with hernias and I am severely depressed from some of the hate crimes that have been happening to me. They should not have closed the account, so rapidly, without letting me change the checking account while processing a new payment. I reported this to police and other agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
ID THEFT REPORT ATTACHED AND MAILED OUT AS OF XX/XX/2022... ALL DATES/LOSTED ACCOUNTS ..... 
XXXX XXXX XXXX  ( any and all ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXDetails attached...

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 2022-03-17
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:
XXXX XXXX XXXX XXXX  Closed
Account number
XXXX
Account status
Closed
Date opened
XX/XX/2014
Account type
Credit Card

XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried several times with my current servicer Shellpoint mortgage servicing time have them cancel my Force place insurance because I have given them proof that I had hazard and liability insurance for my condo. 

I wrote them two letters to in the form of a qualified written request and notice of correction To The loan servicer by certified mail correct this error under respa however I have yet to receive a response within the required times associated with respa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
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:
Please Remove this account immediately off of my report. You are reporting inaccurate information which is a clear violation of the law. 15 usc 1681e ( b ) states- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates below I have attached my credit report and evidence of your inaccurate reporting.

Company response to consumer: In progress
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I'm either a victim of either mistaken identity or identity fraud, however XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , CA is claiming I signed up for an loan but have never legally proved it. Based on my credit I would never had signed with this organization based on their illegal business practices That being, In Article 39 of the Illinois Criminal Code, lawmakers describe an offense called criminal usury. A person may be prosecuted for criminal usury if he or she offers a loan to someone with an interest rater higher than 20 % per year. I demand this gets removed from my credit immediately since I am not responsible for it.

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 2023-12-10
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: Old information reappears or never goes away

Complaint:
XXXX XXXX Were closed by XXXX XXXX XXXX as a duplicate . 
I am reopening this investigation because it is not a duplicate investigation. I ordered a CEASE AND DESIST and that was NOT respected! 
As mentioned I will not pay this and I explained explicitly in numerous correspondence why.

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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/XXXX I filed an identity theft report due to the violation of laws of 15USC 1681b, 16USC1681q, and 18USC 1028A. Please remove this public record from my consumer reports immediately. 

Consumer Reporting Agency : XXXX Record type : XXXX XXXX bankruptcy discharged Date filed : XX/XX/XXXX Date resolved : XX/XX/XXXX Responsibility : Individual Reference number : XXXX Consumer Reporting Agency : XXXX Case number : XXXX Bankruptcy disposition : XXXX XXXX Date filed : XX/XX/XXXX Date reported : XX/XX/XXXX Consumer Reporting Agency : TransUnion Record XXXX : XXXX XXXXXXXX XXXX Docket Number : XXXX Type : XXXX  XXXX BANKRUPTCY DISCHARGED Date Filed : XX/XX/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