BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 a account without my written instructions.

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 2023-04-12
Company: DISCOVER BANK
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:
A credit card was fraudulently applied for in my name as a minor and has negatively affected my credit please have that item removed from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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:
I am not able to access my credit report/score from the TransUnion App/Website. The site keeps telling me I'm blocked and that I should contact/email a someone that does not align with the credit company. This makes no sense. 
I received a letter from XXXX on behalf of XXXXXXXX XXXX XXXXXXXX??? saying my personal information had been compromised. This led me to the TransUnion site which is not accessible. They also are pushing the " Credit Lock '' like XXXX for {$29.00}. You must really work to find the disclosure that a Credit Freeze will do the same thing. It is wrong that my finances should rely on such a reporting agency that access to me is denied!

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 2022-08-17
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from 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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit bureau report a late payment on my credit to all bureaus on XX/XX/22. I have dispute multiple times and the credit bureau refuse to remove this late payment. but I did Make my payment on time I have my statement as proof that my payment was made, the credit bureaus refuse to remove my late payment and this is violation the credit law.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from 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 2018-05-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to lift a security freeze on my account with the 10 digit pin I was given. It didn't work. I called Equifax to have this resolved. 

XX/XX/XXXX XXXX Call 1 -Was told that my security freeze was lifted and I needed to change account information ( My Maiden name to my married name ) by faxing a driver 's license. I faxed DL to them at XXXX. 

Credit Check was not successful. 

XXXX Call 2 - I was told that my account was not frozen by I needed to give them 48 hours to receive the documents and that it would be 30 days before my credit check would go through. I didn't have 30 days to wait. Was told that a supervisor could change it on Thursday if I asked. 

Thursday XX/XX/XXXX XXXX Call 3 - They can not tell me where my documents are but I needed to send my social security card or XXXX and driver 's license. This directly against what I was told originally. 

Friday XX/XX/XXXX Fax XXXX and DL together XXXX Call 4 - They say they will get my information by Monday and they account will be updated by a supervisor. 

Monday XX/XX/XXXX XXXX Call 5 - They can not find my documents and do not know where they are. They will not call the department they were faxed to. They may have been shredded because they came out of the fax machine " too dark to read. '' I am told to change my information with XXXX XXXX XXXX and have them report to Equifax or to try faxing the documents and waiting 48 hours again. 

I was given incomplete information on how to change my name on my account twice. 
I was then promised that if I faxed the appropriate documents to Equifax then they would fix it. They can not find my personal documents even though they have been sent twice. I get a different explanation and answer from each employee I call. No one seems to know what I can do. They have delayed on their promises to fix my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a XXXX  customer XXXX XXXX XXXX had a promotion that would pay off the balance you owed on your phones if you switched to them. I switched and the balances of all cell phones on my account was paid off. I dont have a contract with Source Receivable MNG my contract was with XXXX . Source Receivable reported to my credit and I now have a collections on my credit report. They call my house 20 times a day they have called my job and threaten to have me arrested at work. I owe them nothing just like I owe XXXX nothing I have never signed a legal contract this collection company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: AL
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 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/consent.

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 2023-07-13
Company: EQUIFAX, INC.
State: CA
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 my several letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed as they are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not familiar with two debts which are being reported to my credit reports by Portfolio Recovery Associates. I have disputed the information in accordance with the FCRA and requested validation in accordance with the FCRA and FDCPA. One of the accounts continue to report to all three of my credit reports, while the second one still reports to two of the credit reports. I have never received any response from my attempts to validate the debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

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 2021-11-09
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home XX/XX/XXXX and financed through XXXX XXXX  with a conventional loan. 30 yr fixed loan with 2.75 interest rate. Over the last yr they have been converted to Truist Bank. In XX/XX/XXXX I called in to get some advice and assistance with my mortgage payments because I was behind 2 payments around XXXX and had heard about banks helping with covid relief. I explain that my husband and I where still working however my husband was working more hours and making less money and where having a hardship. We had all our XXXX children living with us at the time. XXXX  over the age of XXXX and XXXX  under. And to please advise what programs where we eligible for. We talked about several different options. Forbearance, Which would put the owed amount to the end of the loan and loan modification which I stated I did not want a modification are the two I remember. Go back and forth talking with several different reps all telling something different which are noted in their notes the whole thing was very confusion. I also don't think that the reps where knowledgeable about there products and services. Right after that I excepted a 6 mo. forbearance and at the end, I paid the 6mo owed in full around the amount of XXXX. In XX/XX/XXXX I entered in to another forbearance that ends in XX/XX/XXXX. I called in to review my forbearance and pay off options. the Rep began to review my loan and informed me that in XX/XX/XXXX I accepted a modification that saved me XXXX a mo. bringing my payment from XXXX to XXXX mo. by extending my maturity date to XXXX and increased my interest rate to XXXX. I'm completely at loss, I would never accepted those terms had I completely understood. to save an immediate payment for XXXX in exchange for adding over XXXX dollars to my loan at least and doubling my interest rate. As a Financial institution they are required to not only do what is in the best interest for the company but also the customer. I believe with this being a conventional loan they did what was in the best interest of the company and there is no one they have to get approve with or answer to but the bank. This is an unfair practice and unethical and unfair to me the consumer. If this was a FHA loan they would have to adhere by so type of Federal guidelines. They have validated the unfair trade practice.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/22, dispute of inaccurate amounts owed, no action taken by companies accounts should show closed on All credit card / vendor accounts

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 2023-08-19
Company: Experian Information Solutions Inc.
State: WI
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:
This serves as my follow up submission of my concern regarding these listed inquiries which I sent a letter to the Experian, XXXX and XXXX Credit Bureaus dated XX/XX/XXXX. I am reaching out to the CFPB for assistance in ensuring that the aforementioned three Credit Bureaus handle my request for inquiry removal with utmost professionalism. Kindly find below a compilation of inquiries that are either not associated with me or were initiated without my authorization, necessitating their removal : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per FCRA Section 605B ( a ), Credit Reporting Agencies should block any information in my file that I identify as resulting from alleged identity theft within four business days of receiving the 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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company 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 2023-07-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
CHASE XXXX IS NOT EXPEDITING MY CLAIM NO. CASE NO XXXX THEY DO NOT ANSWER MY E MAILS WHEN I ASK THEM FOR UPDATES ON MY CLAIMS. 
YOU CAN NOT GET HELP BECAUSE NO ONE WANTS TO HELP. 
I HAD TO CANCEL MY TRIP TO XXXX BECAUSE OF A. MEDICAL PROCEDURE. 
MY CREDIT CARD OFFERS TRIP CANCELLATION. INSURANCE. 
I SUBMITTED ALL PERTINENT DOCUMENTATION AND THEY ARE GIVING ME THE RUN AROUND ABOUT PROCESSING MY CLAIM AND ISSUING A REFUND,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$150.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
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 XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT 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 an account without my written instructions.

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 2020-09-29
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2022-08-17
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation