BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: CCS Financial Services, Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa, XXXX XXXX You are in direct violation of fair credit reporting act. Credit collection services XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: VA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I have sent 2 certified letters validating they received my drivers license proving it's me disputing my credit report and disputed inquiries. They STILL HAVE REFUSED TO REMOVE XXXX INQUIRIES FROM MY CREDIT REOPORT in the last 3 months. This is wasting my money and time. I want the XXXX inquiries removed immediately. I have never known anyone to help someone else out and remove inquiries making send proof of identity. I dont know if they were being funny. But this is negatively effecting my credit score. They are fraudulent and/or unauthorized.

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 2022-12-28
Company: FC HoldCo LLC
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a dispute regarding the status being reported to the credit reporting agencies by Flagship. I provided proof that the loan is paid off and the balance is XXXX  but flagship refuses to correct their reporting error.

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 2022-04-21
Company: SYNCHRONY FINANCIAL
State: AL
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:
XXXX department store. I settled back on or before 2019 and it still shows up against me. Its clear on their end seeing that I already have another credit card through them. Its only showing on the credit reporting side that its still open and against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2022-04-21
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
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: Was not notified of investigation status or results

Complaint:
My issue is related to the creditor XXXX XXXX. I have notified XXXX XXXX in writing and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by XXXX XXXX I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and XXXX XXXX has n't provided me with anything. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Account information incorrect

Complaint:
I called TransUnion and the supervisor XXXX XXXX did something on my account that I did not authorize. He kept saying he did it and he can do it and thats in his right. I called to ask about two hrs inquiry and the documentation I sent regarding that and he closed my account that I had with another bank that I was not asking about. I did not authorize him to do that and I kept asking what is he talking about and he refuse to explain, he just said go check your credit report and kept talking over me while I ask what did he do that I did not authorize. This is illegal and again this or whatever he did was done without my authorization. This pass my rights as a consumer and violates my privacy right. This is my account how can someone do something on my account that I did not authorize. The calls are recorded I want that to be revised and fix and this supervisor to be our ish as he is rude and as no customer service skill. Very unprofessional! This is how TransUnion trained their agents to be!

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Fraudulent accounts have been reported to my credit file that I have No knowledge of nor have I received any goods or services from these fraudulent accounts and Inquiries. 

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 explanation
Consumer complaint received 2022-07-05
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:
THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to TRANSUNION that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX. I never received the required Privacy Notices from these corporations that XXXX is reporting on my consumer report. By publishing these non-compliant account ( XXXX ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. TRANSUNION is a third party corporation and I did not give TRANSUNION permission or authority to use or communicate my information with any third parties under XXXX XXXX ( a ). TRANSUNION assembled a consumer report without my authority this is identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
FHA loan denied at last minute. 
I applied for a mortgage thru Regions Bank in XXXX Illinois on XX/XX/XXXX. Due to a previous divorce I knew my credit was questionable. Well it turns out that my score of XXXX was 4 points below requirement of XXXX. Disappointing but I understood. I immediately hired a credit repair firm to help me fix my credit. By XXXX it has increased to XXXX, well within the requirements. We started the process on XX/XX/XXXX. The first question asked was what will I use for a down payment, initially I figured I would use my 401k. Unfortunately I was unable to pull from that due to restrictions, and stated that I would get the funds from a friend as a gift. My loan originator changed things on the original application showing gift money for the down payment instead. I was approved for the loan on XX/XX/XXXX at 3 % locked in. I started sending all the required documents and on XXXX paid for the appraisal. Meanwhile the inspection had been completed as well as the appraisal. On XX/XX/XXXX I submitted the remaining required documents including the signed and dated gift letter. By XX/XX/XXXX I had wrapped up some of the minor repairs on the home to meet requirements.On XX/XX/XXXX I was told final inspection was ordered. The closing date showed to be XX/XX/XXXX. I requested a cost estimate to make sure I had enough saved for closing.I was given a settlement closing statement- estimate. I was told all they were waiting for was insurance and final inspection. On XX/XX/XXXX the email from the loan originator stated " we are good, sent loan to final underwrite while they wait for final inspection '' I was very excited as the house repairs were all complete and tons of document sending was complete. Now on XX/XX/XXXX the drama started, they needed a bank statement from my gift donor. That was tough to ask for but I got it from the gift giver. Then about 15 emails were sent asking about my relationship with the donor. ( she was my girlfriend of 7 months ) They got the cancelled check copy and they got her 6 page bank account showing the funds transfer. FHA would not approve without it. By now it was XX/XX/XXXX and more requirements came including my 401K statement w/terms of withdraw. Now on XX/XX/XXXX FHA stated DENIED without proof that ties me and my girlfriend together. They wanted joint lease/joint bank statment/ID 's with same address or evidence of being on the same phone plan. I was floored at this point to be told FHA would not approve. Months of preparation and expenses 80+ emails and 30+ documents for nothing. I done research to find nothing that says FHA needs this kind of relationship from a gift donor. I can not attach all the documents of all the above discussions with Regions Bank as there are 80pages.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After analyzing my credit record, I discovered a slew of incorrect names, aliases, and residences that did not belong to me. I want to make sure that you are only reporting and retaining correct and genuine information on my credit report in accordance with FCRA standards. Please update any erroneous names, aliases, or addresses in my report. The following is my correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama 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 2021-04-19
Company: Millennial Home Lending, Inc
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter that appears to come from XXXX XXXX XXXX. However, it is actually a deceptive solicitation from Millennial Home Lending, with an offer to refi and cash out. 

In addition to being deceptive that this appears to be connected to XXXX XXXX XXXX, the terms provided on the front page of the letter do not list term, fees, etc. It attempts to show " now mortgage payments for 2 months '' and get $ XXXX out cash free. The disclaimers are listed on the back of the sheet. 

At the bottom of the sheet there is a disclaimer that Millennial Home Lending , Inc is not associated with or acting on behalf of XXXX XXXX XXXX. 

Additionally, the envelope it was mailed in appears to have " time sensitive information '' to cause fear or confusion. 

There is no way this can be legal, the entire letter feels deceptive and misleading. A confused old person could see this and totally disrupt their financial situation. 

It provides a number XXXX. Please make them stop.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue.

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 2021-08-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've been in contact with this company as well as the credit bureaus to advise that information that they're reporting on credit report for 2 Navy Federal accounts. Once account number is XXXX and the other one account number is XXXX. I've been advising them that the accounts aren't mine, and they're reporting the accounts as Navy Federal accounts on my credit reports, but I keep getting collection notices from in the mail from XXXX stating that they're the creditor for these accounts. I never received anything from Navy Federal even after my letter to them. I sent letters to their P.O. Box address that they have listed on my credit report and also their direct physical address that they have listed on my credit report, and again I didn't get a response from them at all! How is it that XXXX  is stating they're getting responses from Navy Federal, but Navy Federal hasn't responded to me AT ALL???? There's no way possible that these accounts can have 2 creditors for each individual accounts. By law, only one creditor is allowed to report this account and that creditor must say XXXX since they're the ones trying to collect on this account. Please remove these inaccurate accounts from my credit report. XXXX  advised in the last dispute that they made that change, but that is also incorrect information. As you can see from the credit report attached to this claim directly from XXXX, the information still is reporting the same. This is a violation of my consumer rights and I will be taking legal action if this is not removed in this last attempt to resolve this matter. Also, if this account was closed and sold to a collection agency it shouldn't still have payment history reporting on these ; this is also a violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CREDIT ACCEPTANCE CORPORATION
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:
On XX/XX/, my friend who was buying a car ask me to accompany her XXXX XXXX XXXX in XXXX, Nj. Once we get there and socialize and talking car dealers sales man says since I live in NJ my friend would get a cheaper car insurance rate if she uses my address, and I agree to use my address. A couple of weeks later after she buys her car, next thing we know the know the car titles and everything in a my name. I do not know how to drive and DO NOT have a driving license. I DID NOT agree to putting my name on her car loan. I was NEVER aware I was a co-signer until after we left the car dealership. When we called the dealership they stated there was nothing they could. I haven got student loan that I am working to sort through and we unemployed at the thing and receiving unemployment and would NEVER exhaust my credit history like that. I really DO NOT know what did this happen, and did not authorize this loan.

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