BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 Also, it states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
PA CHILD SUPPORT XXXXXXXX XXXX  XXXX XX/XX/2012 Amount : {$1300.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts dont report this type of account. 

Its also a violation of permissible purposes, they need direct written consent from me to report anything on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Malicious compliance Reporting.

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 2022-10-21
Company: SANTANDER HOLDINGS USA, INC.
State: MI
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:
Account XXXX XXXX Santander Consumer loan I bought my vehicle in XXXX of XXXX, After repossession of my vehicle 2 yrs. later there was a 33 state Predatory lending class action settlement against Santander Consumer USA where Santander agreed to relive all defaulted loans to help repair credit of those individuals. So, after several attempts to get the account removed from my credit profile it remains on my credit report. Santander settle the case early XXXX according to the agreement, my debt is to be forgiven and the account status because of what the agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The complaint is about my credit card issued from Citi Bank. It is a Master card ending XXXX. There were 21 unauthorized purchases made on XX/XX/2022. All the purchases were from a vendor named : XXXX XXXX XXXX XXXX XXXX XXXX which is in XXXX. I reported to Citi Bank 's fraud department on the same day and a new credit card was issued. The bank replied that they will investigate the fraud and I am not responsible for it. Later on, however, these 21 unauthorized charges were posted to my new credit card account. I am also dissatisfied that no fraud alert/ immediate action to the credit card when the bank realized the suspicious activities. The detail of the 21 unauthorized purchases are as follow : 1. XXXX XXXX XXXX XXXX XXXX XXXX : {$250.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX : {$210.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} 4. XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} 5. XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} 6. XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} 7. XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} 8. XXXX XXXX XXXX XXXX XXXX XXXX : {$250.00} 9. XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} 10. XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} 11. XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} 12. XXXX XXXX XXXX XXXX XXXX XXXX  : {$160.00} 13. XXXX XXXX XXXX XXXX XXXX XXXX : {$120.00} 14. XXXX XXXX XXXX XXXX XXXX XXXX : {$140.00} 15. XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} 16. XXXX XXXX XXXX XXXX XXXX XXXX : {$150.00} 17. XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} 18. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} 19. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} 20. XXXX XXXX XXXX XXXX XXXX XXXX : {$210.00} 21. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00}

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 monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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  XX/XX/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 non-monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: IA
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:
Equifax- over 90 days without verification or evidence Equifax and XXXXXXXX XXXX XXXX  Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, this unauthorized public record information needs to be deleted. I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim you failed to respond within 30 days verifiable proof and evidence thats satisfies Federal Trade Commission debt validation guidelines Since you have failed to provide me with ALL the following points of information all collection attempts must stop and all information that pertains to Accounts, Name, DOB, SSN must be deleted /IMMEDIATELY REMOVED : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.

2. The agreement bearing my signature stating that I have agreed to assume the debt from Original creditor XXXX XXXX XXXX  3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations in ( Iowa ) has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent or Agent of Service.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees.

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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 is missing that should be on the report

Complaint:
Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from 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 2023-10-03
Company: Experian Information Solutions 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:
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 XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-04-06
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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2022-10-21
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2022, I purchased a new AC unit for my home. I was told that I could finance this purchase and pay it over time. They said this would be a loan sort of like a care payment or a mortgage. I was not informed that this would report to my credit profile as a maxed out credit card and destroy my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with PHH Mortgage for several weeks over my loan modification. My loan matured in XX/XX/XXXX and I was not notified until XX/XX/XXXX. I asked PHH if they ever called me or sent an email to let me know of the loan maturation as I did not remember from when the loan was given in XXXX. PHH informed me they never called nor did they email, but they said a letter was sent in XX/XX/XXXX, but could not prove the letter was ever sent as there is no tracking or signature for the letter. 

On XX/XX/XXXX PHH said my application was " complete '' and furnished a letter saying the same. On XX/XX/XXXX I talked to XXXX, my customer representative who said I was missing documents and my application was not complete. I asked to talk to XXXX, his supervisor, who never called me back as of XX/XX/XXXX. I talked to another supervisor who said I did not need to supply all the documents I was told to supply and he would make my case a " top priority '' and would " expedite '' the process and he would call me back with an update. I never received another call from this person and when I called on XX/XX/XXXX I was promised things would be reviewed. I never heard back on XX/XX/XXXX and I called back on XX/XX/XXXX and was told I needed more documents I had not been told about. On XX/XX/XXXX I was once again asked for more documents, this time by XXXX. I was told I needed to do a hardship letter, which was asked for by XXXX XXXX XXXX, the investor. This request came through on XX/XX/XXXX and I was not told until XX/XX/XXXX. I asked if this was normal or just something pertaining to me. XXXX said this never happens, which leads me to believe they are discriminating against me for some reason. I have yet to hear from the supervisor who said he would call me back, even after calling three times today. 

PHH has been impotent, incompetent and irresponsible. They have forced me to stay with them for this modification and loan as I can not get a loan with any other organization since I am now delinquent on the loan. My credit score, which was over 750 is now in the low 600 's, making getting a HELC impossible as well. They are forcing me into their program at whatever rate they want as they know I can not go anywhere else, which is predatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been a cardholder with Genesis FS Card Services ( Milestone ), as well as Destiny Card ( which I closed the account ) for over a year. I've called several times over the year, including my latest date XX/XX/XXXX to apply for Credit Protection ( a service they offer ) and I keep getting different responses as to why I can't apply. The latest is that I would have had to apply for this service on my initial credit card application, and that you can't take out this service afterwards. I asked XXXX ( ID # XXXX ) could she send this to me in writing, since it's their policy, because I keep getting different answers. She then put me on hold & asked her Supervisor ( XXXX ) ( who would not give his ID # ), and the response back to me was No, I can't get anything in writing supporting that policy. I also asked about a hardship program over the years and NEVER. They always say they have no hardship programs available at the time. I've been out of work for ( 2 ) years with health issues & had XXXX XXXX last XX/XX/XXXX, with a 2nd upcoming XXXX and this company offers no hardships & no way for me to protect myself as a Consumer with a service they have/offer, but state that it is only offered on the credit card application, ( in which I did not see ). I've never heard that a company has a service available to its consumers that you can only apply upon opening an account. This is why i paid off & closed the Destiny Card account & I'm trying to pay off this account so that i can close this one too, because this company is NOT in business to help their consumers in ANY way ... ... PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: DE
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:
Inquiry from XXXX XXXX XXXX. on XX/XX/XXXX I am not sure why this is on my credit report. The last time I did a credit application with XXXX XXXX was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: AZ
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:
Reference to CFPB report XXXX, XXXX XXXX. Experian Credit Bureau received a notification from XXXX XXXX that my payment to them was over 60 days late. I disputed this because XXXX XXXX attempt to take advantage of a senior citizen ( XXXX years old ) by falsely stating I refinanced my loan. In my dispute, I specifically, pointed out to Experian that this loan was already paid off and I can prove it by giving them copies of all payments to show the amount of the load was completed. In addition, XXXX XXXX could not provide a copy of any contract showing I refinanced the load nor could they provide any substantial evidence proving I received any money from them other then the original loan. This Experian did not do. 
Experian Credit Bureau refused my dispute without confirming XXXX XXXX intentions were legitimate. They just reduced my credit rating to below average and again this reflected of me not being able to obtain a Home Owners Line of Credit. Experian could have substantiated XXXX XXXX allegations by having them present the documents showing the loan was legitimate. Experian did not this..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
This is the second year I have problems getting my credit report from Equifax. I got my credit report without problems from XXXX and XXXX but Equifax is asking security questions that are not related to my, with wrong information, making it impossible for me to access my credit report, they claim I have a store card witch I do n't have, this is not the first time I have problems with Equifax. They are requesting me to send a form and copy of my social security card proof of address etc.

Company response to consumer: Closed with non-monetary relief