BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX ; has violated my rights. 
Account # XXXX Account # XXXX Account # XXXX 15 U.S.C. 1681 602 A. states I have the right to privacy.

15 U.S.C. 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: PA
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 XXXX 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 instructions.

Company response to consumer: In progress
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am formally requesting this letter to update this account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: In progress
Consumer complaint received 2022-06-10
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It is online fraud, they never provide the service to me and they took access of my computer without my permission, when I noticed they are in my computer then I turned off my computer but they got my card details, I want to remove this fraud account from my credit report and they don't have any customer support number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Freedom Mortgage Company
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I and my wife refinanced our home through XXXX XXXX XXXX XXXX The loan was subsequently sold to Freedom Mortgage and it is going to be a nightmare to get them to process the final damage payment from XXXX XXXX. The work has been done, the contractor paid and we just need their endorsement to finally get this settled. 

Today I was sent a letter dated XX/XX/XXXX demanding all kinds of information that I cant provide. This is the first time we have been asked for all this information and it was dated two weeks ago and just received today. We are fully paid up until XX/XX/XXXX. I have a credit rating of XXXX 

It is my belief that Freedom Mortgage is DELIBERATELY foot dragging to force us out of our low interest loan. There is no other discernible reason I can fathom. We have a flawless credit history. 

I see also that Freedom Mortgage has had their XXXX  certification revoked as well. In no case would I ever recommend their financial services. From CFPB of XX/XX/XXXX alleged that mortgage loan data submitted by Freedom in XXXX also contained widespread errors across multiple data fields that not only violates HMDA and Regulation C, its implementing regulation, but that the company also violated the XXXX consent order and the Consumer Financial Protection Act of 2010.

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 2021-10-18
Company: EQUIFAX, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Continental Finance Company, LLC
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Misleading advertising that I received was not honored. The email which was associated with my XXXX XXXX XXXX Credit Card stated that I was pre-approved. Had not noticed the asterisk associated with the email which was deceitful.

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 2023-12-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, someone made a purchase totaling to the amount of {$2600.00} at the XXXX XXXX located on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, in person. I called and filed a dispute immediately and also went to the store location to ask about the transaction. At this time, I hadnt received my card in the mail yet and was shocked someone used my information to make a purchase in person. The cashier said the man making the purchase had the physical card, and so he didnt ID the man in question when he made the {$2600.00} purchase. They told me to file a police report, which I did later that evening. XXXX XXXX has been investigating my case and pulled video surveillance showing a XXXX  man, possibly in his XXXX, using my card without being IDd. I do not have any other authorized users on my account. The case is still pending as theyre trying to figure out who this thief is. However, I got an email on XX/XX/XXXX stating my dispute is closed and I was found responsible for the charges based on not enough evidence supplied by me. I would like to know what evidence I would need to supply, when Ive given XXXX XXXX my case number and Detective XXXX has pulled footage from XXXX XXXX security cameras showing someone who is not XXXX XXXX and was not authorized to use my card was able to make a purchase using my identity and card. I want this dispute opened back up and to not be responsible for the {$2600.00} fraudulent charges that were made on my account without my knowledge or 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 2023-12-16
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, XXXX charged my American Express account and eventually shipped me an empty box, lying to Amex in the dispute process that they wouldve delivered a XXXX XXXX computer. I am still in possession of the sealed box as evidence, but Amex is unwilling to look at the clear evidence Im providing as a part of the dispute. Now Im being charged for something I have never received and Amex is not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Noticed on date XX/XX/2023, withdrawal from personal checking account. I contacted institution to reported a claim with bank. XXXX XXXXXXXX XXXX XXXX LISTED UNDER XXXX  XXXX. showing 2 transactions one amount of {XXXX and another for XXXX  I did not authorize these credit cards. Please review.

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
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2022-12-26
Company: TD BANK US HOLDING COMPANY
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:
Td Bank is currently furnished inaccurate payment history to the reporting agencies. I opened the account XX/XX/XXXX and was XXXX  XX/XX/XXXX and released XX/XX/XXXX I provided proof to TD bank and the reporting agencies. 

In accordance with the fair credit reporting act TD Bank Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: ASSOCIATED BANC-CORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Complaint : Associated Bank has failed to pay a {$600.00} promotional bonus within 120 days to me for opening a new checking account. 
XXXX XXXX XXXX XXXX Details : Account was opened in person by banker XXXX XXXX at XXXX XXXX XXXX branch on XX/XX/23 XXXX 
I have emailed her several times since XX/XX/XXXX requesting her help to solve the delay/ no-pay problem and she has had no success and is unable or unwilling to give me names/ contacts within the bank who have authority to escalate and render a solution.She says the matter is fixed, yet I wait, the bank remains silent, and does not pay the {$600.00} bonus. I sense the bank is simply stonewalling. I have fulfilled the terms of the promotion to qualify for the {$600.00} level bonus and desire the bank to take action and complete their legal obligation to pay the bonus in a timely manner without further delay. 
This is a reasonable request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16
Company: The Phoenix Recovery Group
State: AK
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2023 I filed Bankruptcy and XXXX XXXX and the collection agency they sent it to ( THE PHOENIX RECOVERY GROUP ) was notified by the court to stop collection on this account with balance of {$1000.00}. They continue to defy the bankruptcy automatic stay and refuse to remove the account from credit report. This is illegal and I will be notifying the court of there refusing to follow federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a business and personal account with this financial institution. My business was from in NJ, which I provided every documentation to open both accounts. I scheduled a bill pay from another financial institution to fund the Truist business account which took a week to verify the funds. On XX/XX/23, I was told both accounts was closed due to suspension. I shared all documents needed to verify where the funds was coming which was my other business account, dates, statement etc. still they choose to not verify anything. this is an overt evidence of disparate treatment ; comparative evidence of disparate treatment ; Evidence of disparate impact. please contact me for any additional information. 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 2023-11-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started disputing this incorrect information for over a year now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Mortgage fraud. Illegal fees assessed. Refuse to accept payments. Reporting negative reports to credit bureaus. 

They are sitting on my checks for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
My personal information was stolen years ago and used for several unauthorized accounts on my credit report. i would like these accounts off my report immediately. 
I've filed fraud and identity theft XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: CarMax, Inc.
State: CA
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 am writing this to let this company aware that I know my rights as a consumer! Under FCRA law 15 USC 1681s ( 2 ) this company is in violation from furnishing inaccurate and an improper use of my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a current police report on file dated XX/XX/XXXX with Chex Systems due to being a victim of identity theft. The following inquiries viewed by others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. I have a current Federal Trade Commission Identity Theft Report on file with XXXX and XXXX. The following accounts and credit inquiries listed on my XXXX and XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX, XXXX, {$450.00}, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, {$110.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions 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 got a copy of my three consumer report about 30 days ago and I noticed that some accounts were reporting inaccurate information. so I asked Experian, XXXX, and XXXX to investigate the accounts that where reporting inaccurately. the investigation came back verified so I asked them to provide a method of verification because the accounts still were not accurate. they told me they could not provide that information because they just confirmed with the creditor that the information is correct. but the information is still incorrect on my consumer report. this is causing major financial problems for me and my family.

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 2023-06-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
All three credit beurea XXXX, XXXX, experian are not updating my credit profile they are making sure that incorrect inquiries, education loans, false information on my credit report its been years of this and they have yet to correct it and my credit score is not going up and i really am frustrated and treated unfairly please help me get this corrected My education loan is not negative I nolonger have to pay it back and they refuse to check my education loan status and correct the information i should have no inquiries on no 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 2023-12-12
Company: Experian Information Solutions Inc.
State: OH
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 have sent validation letters via certified mail asking for proof creditor has not supplied it for XXXX XXXX  and XXXX XXXX. According to 15 USC 1681 law there should not be any damages on my report its a defamation to my character. Creditor is also violating laws 15 USC 1681 section ( a ) ( 6 ) ( b ) ( iii ) and 15 USC 6802 ( A ) ( B ). Has not provided me with proper debt validation for the alleged debt. The other credit bureaus were not able to properly verify the accounts & was required to remove the accounts from my report. How are they able to verify the accounts when all bureaus have access to the same information but refuse to send me what they verified it with and how?

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 2023-12-12
Company: Experian Information Solutions Inc.
State: MO
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:
For the second time today experian closed another complaint without addressing the issue and giving explanations that have absolutely nothing to do with the problem which once again and still that experian has NOW stolen 18 months of on time never late payments to XXXX and refuse to give them back and is directly negatively effecting my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation