BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$1300.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$740.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$32000.00}.

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 2023-03-04
Company: Experian Information Solutions Inc.
State: NJ
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 noticed there was a few accounts on there I do not recognize

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 2023-03-04
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I, XXXX XXXX XXXX, Consumer, did not give XXXXXXXX XXXX XXXXXXXX my lawful written consent to disclose my nonpublic personal information to any nonaffiliated third parties. I am aware that XXXX XXXX XXXX, XXXX, XXXX, and Experian XXXX XXXX XXXX XXXX are nonaffiliated third parties. Furthermore, XXXXXXXX XXXX XXXX is providing inaccurate information to these nonaffiliated third parties. Neither XXXX XXXX XXXX, the consumer in which the report relates to, nor a court of competent jurisdiction issue an order for such information to be reported onto any consumer report of XXXX XXXX XXXX, Consumer.

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 2022-11-03
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: 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. 

XXXX XXXX XXXX XXXX Experian # XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX.Experian XXXX XXXX XXXX # XXXX 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 an 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 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 explanation
Consumer complaint received 2022-11-03
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I previously filed case number XXXX to which Mr cooper responded with a respa response to notice of error. They also claimed to have sent corrective paperwork to HUD and that i needed to wait 3 weeks to get an update and for hud to clear the partial claim lien recorded. 

It has been 3 weeks now and I have discovered that I WAS in fact lied to and based on the tracking number provided to me in the previous case it has been determined that nothing was in fact sent to HUD. I also confirmed this with a manager at Mr cooper who stated that it was beyond her control. 

At this point I am being insulted and am beyond furious. I will begin to file a civil lawsuit for dmages up to the max amount allowed as this issue has been a thorn in my side since XXXX and it is disgusting that they used a RESPA notice to try and weasel out of resolving this and then slow rolling. 

I am demanding that this issue be escalated and resolved within 7 calendar days otherwise i will file as many lawsuits as humanly possible including any form of class action suit i can legally file to get this handled and get my money back. This is a joke of a company and i wish my loan was never passed on to them. it is disgusting that they have been able to operate this way and for so long and i cant imagine how many other innocent families have been harmed by their careless antics. 

I am out XXXX because of their negligence and in this economy that is not small change. on top of that, let it be the other way and i'm sure they would do everything in their power to make sure i was homeless because thats how corporate greed works. 

Here is the tracking number provided in the previous case and here is a screenshot from XXXX  showing nothing having been done.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid 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:
We made a purchase on a store card XX/XX/XXXX with insurance for the items. We made an insurance claim XX/XX/XXXX and paid the insurance deductible of XXXX on XX/XX/XXXX. We made an instore purchase shortly after using the insurance credit at the store. The store manager was unsure how to use the insurance credit but told us they will figure it out. In XX/XX/XXXX the chair was delivered and we were charged XXXX on our store card instead of the insurance credit. We called the store XX/XX/XXXX and the store associate said they saw it should have gone to the insurance credit and will have the store manager call us. The store manager never called us, we called the store manager XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no luck. The store manager kept ducking us. We then disputed the charge on mysynchrony. They denied our dispute stating the purchased items arrived at our house. They did not provide any further information or a receipt. We never authorize a charge for this on the store card.

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 2022-11-03
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I held an account with Truist for over a year prior to my enlistment in the XXXX and stopped using the account in XX/XX/XXXX without realizing there were still several autopayments being charged to it. I paid off the amount and attempted to stop payments and close the account around XX/XX/XXXX, both had been clearly ineffective as I continued to accrue a negative balance. I made numerous attempts to contact the company but would be immediately hung up on rather than connected to an agent. I paid the account off and froze my card. I continued to call them and finally got through to an agent to close my account around XX/XX/XXXX. I have an XXXX XXXX of {$170.00} on XX/XX/XXXX in my XXXX XXXX account to my Truist account to pay off my debt. I have since received 3 debt collection letters for the amount of {$160.00}, with the last two being sent on XX/XX/XXXX and XX/XX/XXXX. After the first letter, which I can not recall when I received, I called the company several times until I got back to an agent who confirmed for me that the debt was settled and that I could ignore the letter. I can verify the account is closed by my inability to access the account, and their phone system being unable to verify the account number when the number is spoken or typed into the phone.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : # 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 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 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 2022-11-04
Company: EQUIFAX, 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:
I found out that credit reporting agencies still indicate my dispute of information in my credit report. Asof todays date, 3 credit bureaus have not responded to my dispute. According to the Fair CreditReporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check thepayment history, date open, last activity, and Status of the listed accounts which I believe were reportedin error. 
XXXXXXXX XXXX XXXXXXXX XXXX. Balance : {$260.00} ; XXXX XXXX .... Balance : {$280.00} ; XXXX/DEPT OF ED XXXXXXXX XXXX  Balance : {$3700.00} ; XXXX/DEPT OF ED XXXXXXXX XXXX  Balance : {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Account was paid off and closed but they put it as didn't pay loan and put charge off/closed on 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 2023-12-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this letter in regards to the fraudulent inquiries on my credit report. 
These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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 explanation
Consumer complaint received 2022-11-03
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, XX/XX/22 I received a check for {$10000.00} Check # XXXX XX/XX/22 I deposited the check into The Navy Federal ATM New location in XXXX MD. 
Address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXXlater that day I saw my accounts were all frozen. Called and could not speak to Security because they were closed until Monday. 

XX/XX/22 Called Navy federal Security Dept they told me I was permenantely banned and that I submitted a fraud check. Said I couldn't do nothing about it or talk to anyone else. 
I told them to verify with the bank and they can call the person who wrote it. They did not verify or want to. I felt attacked and penalized for no reason even if there was a typo I could of easily got a wire or it reissued. I was treated like a criminal over my money. 
XX/XX/22 Navy federal cashed the check and took the $ XXXX from the XXXX XXXX  account and revoked all access from mobile banking. 

XX/XX/22 I called back to tell the Security Dept that they cashed my check and to inform them again that it wasn't fraud especially since they now have my money. 
I sent in an appeal letter to the bank but they wont ' get back until 15 days. 

I am trying to make sure they return the check asap. On the phone they told me it was fraud and that it was being retuned to sender, never said they were going to cash it and keep the money. 

XX/XX/22 I feel like I've been robbed. They called me accused me and lied to me, took my check and revoked my access to my money. 
I never had a bank do this to me even if the check had an issue it could have been a simple hold on the check until further verification. I feel profiled and like this entire process was bias. They closed my checking and savings for my personal and business accounts without even a simple phone call. I guess they couldn't trust me even with a legit business on file. 

I am truly heartbroken and disappointed in Navy Federal. I was transitioning my money over from XXXX to Navy Federal and they just cancelled my accounts with no hesitation. 

I am waiting on this money to be returned asap to I can get a new wire for my $ XXXX. So now I have no bank account and no way to get my money. 

Please help I have a feeling Navy Federal is going to drag this out way longer than 15 days and will play these games of " nobody has a clue '' what happened to the check. 

Please see my attached proof and appeal I sent in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: WA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX. # XXXX closed, Account name : XXXX XXXX XXXX # XXXX closed, and 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 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 inaccurate.

Company response to consumer: Closed with explanation