BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: SC
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:
Hello, my name is XXXX XXXX XXXX and I received my credit report to find that Experian is reporting a XXXX XXXX Account completely inaccurate. Its still showing as a derogatory account when it has in fact been paid in full and is no longer in Collection/Charge off status.

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 2023-02-18
Company: EQUIFAX, INC.
State: AR
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'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I've provided the report in this complaint as required by FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA XXXX XXXX ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently applied for a home loan and I was denied because there were several medical collection debts on my credit reports. Based on the information on the credit reports provided to me I sent Merchants Credit Guide Company a validation letter on XX/XX/2021. The company failed to validate my debt instead they sent me a list of my medical records which I know is a direct violation of my HIPAA rights and regulations. I have never signed a HIPPA form authorizing Merchants Credit Guide to have access to my medical records. In addition, I was never offered the opportunity nor did I receive any letters, emails or telephone calls to dispute the debt before it was reported to the credit bureau. Please delete this information from my credit reports and cease all collection activities immediately. I truly appreciate any assistance you can offer me to stop this agency from continuing to violate my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NY
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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
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:
On XXXX XXXX I called Transunion about 2 inquiries on my credit report that were not valid which were XXXX  from XX/XX/2021 and XXXX  XXXX XXXX XXXX XXXX costumer service would not help and take care of the negative inquiries reporting to 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 2021-07-30
Company: Credit Collection Partners, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaint XXXX submitted XX/XX/21 Never received reply Company told you they would on XX/XX/21 You closed this complaint without it ever being resolved. I never received the response from the Company, but you stated they sent you a response on XX/XX/21

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 non-monetary relief
Consumer complaint received 2019-03-28
Company: Experian Information Solutions Inc.
State: FL
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:
SAME AS PREVIOUS COMPLAINT, WENT TO XXXX XXXX, THEY RAN MY CREDIT FORA CAR LOAN THRU A CREDIT AGENCY WITHOUT MY CONCENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: MD
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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
When i went to the car dealership they said it would just be in house an I received a lot of hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXXcar dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXXXXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXXXXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXXXXXX XXXX-car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX not authorized XXXX XXXX XXXXXXXX not authorized XXXX XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check

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 2023-01-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account information incorrect

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. " NISSAN MTR ACCPT/INFINITI FIN '' added late payment to my account that was false. XXXX assumed this role without permission not only that, they did not have my consent. XXXX did not respect my right to privacy which is under 15 USC 1681 a number 4. XXXX did not exercise grave responsibility, they were unfair, they were partial. I'm taking the liberty to file a CFPB report and an attorney general 's complaint. XXXX never had a permissible purpose Under 1681 b number 2. I never instructed those guys to furnish this report and I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a Chase Bank XXXX XXXX living to XXXX XXXX, XXXX. Starting from XX/XX/XXXX to XX/XX/XXXX, I was scammed and lost approx {$280000.00} from my Chase checking, saving, and brokerage account. I received a XXXX email asking me to contact them. Scammers claimed my Chase saving account was compromised and forwarded my call to Chase Fraud department who claimed to help me in the back end. They asked me to go to various Chase branches to withdraw cash ( 11 transactions ) and to make one account to account transfer. The cash was deposited into several local XXXX machines. There was a single account to account transfer of {$80000.00} that I was made on XX/XX/XXXX at Chase XXXX CA branch. The recipient account was a valid Chase business account. I was instructed to make that transfer from my Chase saving account. On XXXX, XX/XX/XXXX, I realized I was scammed and reported to Chase branch in XXXX, and XXXX XXXX XXXX Police ( Case XXXX ) and notified Chase. As of XX/XX/XXXX, Chase Fraud department called me once and said their final decision was it was NOT a fraud, therefore, they would not take actions to help me get the {$80000.00} back. Even though Chase knows this business account was now involved/used for scam activities, they were not offering help or assisting police to help me. I also reported to Chase that during the 12 withdraws I made at branches, many times I was speaking to the scammers on the phone, or was instructed to make multiple withdraws in a short period of time and repeated withdraws in the same visit, but not a single cashier asked me or inquired more about my unusual behaviors, which was a major violation and sign of Chase 's failure to protect their customers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Garrison Investment Group
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This is now the 2nd time this has happened. The first time I wanted to make a double payment so I processed my initial payment then set a secondary. The company canceled out the secondary stating that the system thought it was in error. OK fine. 

This time my payment due for XX/XX/XXXX I attempted to make payment. That payment on XX/XX/XXXX confirmation # XXXX for XXXX came back returned NSF. When I received the notice from my bank XX/XX/XXXX I immediately scheduled another so that their system would not kick it out. Their website showed it was still owed and not paid XX/XX/XXXX conf # XXXX this payment has not been processed again and my account online shows that there is no pending payment scheduled and that I am past due. These pay practices are creating more interest owed by keeping balances higher for a longer period of time. I want my payments processed and accepted as I pay them even if wanting to make consecutive multiple payments to bring down principal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has transferred lenders 3 times since it's inception. I accepted and understood the loan would carry PMI. I requested for the PMI to be removed and the lender agreed to research this for me. The lender determined the loan did qualify to have the PMI removed and did process the removal promptly. I then requested a reimbursement for having paid the PMI longer than necessary. The lender stated that the consumer was supposed to request PMI removal when the Homeowners Protection Act of 1998 states it is supposed to be initiated by the lender once the loan to value arrives at 78 %. My loan is at 75 % and has been below the requirement of 78 % for some time. I asked to be reimbursed and was told that is not an option because the lender claims it was my responsibility to call and request for the PMI to be removed. Also, I spoke with the PMI department several times and none of the representatives were able to confidently explain what the Homeowners Protection Act is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, the consumer XXXX XXXX, received a notice on XXXX, XXXX, 2022 via email that TRANSUNION credit reporting agency placed an account from XXXX XXXX XXXX for {$1300.00} in collections. Which is a violation of 15 USC 1681c ( a ) ( 4 ), for any accounts placed in collections and charge offs must be excluded from my consumer report. I never gave Transunion, a written permissible purpose to furnish ANY account or information on my consumer report pursuant to 15 USC 1682b ( 2 ). Transunion, has failed their responsibilities of accuracy and fairness due to reporting information and communicating with a 3rd party about me the consumer which is a violation and no respect for my right to privacy, pursuant to 15 USC 1681 ( 4 ). TransUnion, actions have lead to damages and injuries in my life such as but not limited to ; tarnished my reputation, caused XXXX, marital issues, and my lack of confidence in the banking system due to the WILLFUL NONCOMPLIANCE of the Fair Credit Reporting Act ( FCRA ). ( 15 USC 1681n )

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 2023-06-13
Company: EQUIFAX, INC.
State: LA
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: NATIONSTAR MORTGAGE LLC
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: Their investigation did not fix an error on your report

Complaint:
Once again ... the only errors that have been fixed by Nationstar regarding my VA mortgage loan is they updated the balance on my mortgage loan. 
However ... the payments are still not reflecting what I have submitted to them via on time mortgage payments. 

There is no updated credit score that should reflect all payments ... timely payments I have made towards my VA mortgage loan. I am not receiving the credit points that should clearly reflect my payments with any of the credit bureaus. Nationstar can fix the balance on my VA in a timely manner ... however ... look at the attached that does not show all payments that I have made towards my loan. I should also see a definite increase with my credit score to reflect payments being made on my VA mortgage loan. 

This looks like a rental home instead of a mortgage loan with all three credit bureaus. I need the errors, payments and my credit score fixed and updated by Nationstar. 

Sincerely, 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 2021-01-12
Company: Transfinancial Companies, Inc
State: LA
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 feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the XXXX XXXX XXXX to my knowledge I do not recall this account with XXXX XXXX XXXX. I need this problem fix asap. I did not receive a HIPPA release form from TransFinancial Companies also I did not receive any application with my written signature. There for this debt is not mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX Charge-off {$15000.00} XXXX XXXXXXXX XXXX Charge-off {$4200.00} XXXX XXXX  XXXX Charge-off {$5100.00}

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 2023-11-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
HELLO, I APPLIED FOR A SYNCHRONY JEWELRY ACCOUNT LAST WEEK FOR A LOCAL JEWELRY STORE I AM PLANNING TO MAKE A PURCHASE FROM. 

UPON APPLYING FOR THE CARD, I WAS TOLD I WAS DENIED EVEN THOUGH I UPLOADED A VIDEO/PICTURE OF MYSELF, AS WELL AS MY IDENTIFICATION. 

TODAY I GOT A LETTER ( ATTACHED ) STATING THE APPLICATION DUE TO LACK OF IDENTITY VERIFICATION. 

I CALLED XXXX TO SPEAK TO A REPRESENTATIVE WHO ADVISED ME THE DECISION CAN NOT BE REVERSED OR ESCALATED. 

I EXPLAINED THAT I PROVIDED ALL THE DETAILS NECESSARY TO VERIFY MY IDENTITY DUE TO MY FRAUD ALERT ON MY CREDIT REPORT. 

THE JEWELRY STORE PURCHASE SALE ENDS THIS MONTH, AND I WAS TOLD I CAN NOT APPLY AGAIN UNTIL 30 DAYS. 

I FIND THIS VERY UNREASONABLE AS I HAVE PROVIDED SUFFICIENT PROOF OF MY IDENTITY. 

THE APPLICATION DENIAL LETTER IS ATTACHED, AND HAS THE INFORMATION NECESSARY TO PULL THE APPLICATION. I HAVE ALSO ATTACHED A FRONT AND BACK PICTURE OF MY IDENTITY.

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