BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. The other bureaus have already corrected the errors I brought to their attention, yet, your bureau remains unresponsive. The following accounts are at the center of my discontent : 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 Despite my repeated efforts, the lack of acknowledgment and action on your part is both infuriating and puzzling. The other bureaus, recognizing the errors, promptly rectified the situation, yet your bureau has not mirrored this corrective action. It is incomprehensible to me why your bureau has not acted in alignment with industry standards. This continued disregard only intensifies my frustration. Rectify this situation promptly to avoid further escalation.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: KY
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Each account below has debt that is not mine : Account # XXXX The accurate amount of debt on each account is {$0.00} as it is not mine. My only address is XXXX XXXX XXXX XXXX, KY XXXX since XX/XX/1999 until XXXX. No valid information of mine is associated with any additional addresses that may be reporting as mine. Each company associated with Account # XXXX has all failed to provide a valid wet signature from me. The status of each account should be closed due to required deletion as the debt is not mine. 

These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint has to do with the one I have related to XXXX  XXXX  XXXX, I contacted PRA to alert them of the situation with XX/XX/XXXXand told them to contact me directly for either payment or payoff. The company chose to close my accounts and say I was delinquent adding more comments to my credit report, I have sent them a second email and If I have to send a 3. I will be taking them to court to settle it there. The amount that was negotiated still stands or I'll go lower. I am attaching their said amount to what was negotiated. If I find out they have a special dealing with XX/XX/XXXX, then I will proceed with a class-action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
As per my previous correspondence, I would like to dispute the following collections accounts on my credit report : XXXX. XXXX XXXX - Account Opened : XXXX - Amount : {$210.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$570.00} XXXX. XXXX XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$860.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$1100.00} XXXXXXXX XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$2400.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$3100.00} I have thoroughly reviewed my credit history and have found no evidence to suggest that these collections accounts belong to me. Despite my initial dispute, these accounts remain on my credit report, negatively impacting my credit profile. 

I kindly request that you conduct a thorough investigation into these accounts and provide me with a detailed explanation of the findings. It is essential that you verify the validity of these accounts and provide the necessary evidence to support their inclusion on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the following actions be taken : XXXX. Please provide me with a written confirmation of the investigation conducted, including any supporting documents or evidence collected during the process. 

XXXX. If the investigations confirm that these accounts are indeed inaccurate or do not belong to me, I insist that you remove them from my credit report immediately. 

XXXX. I also request that you provide me with an updated and accurate copy of my credit report after the removal of these collections accounts. 

I understand the importance of maintaining accurate and fair credit reporting. It is imperative that

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 2022-09-14
Company: WHEELS FINANCIAL GROUP, LLC.
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:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

This is the list of account/names/addresse which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: MI
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  accounts 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Santander Consumer USA Holdings 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:
Two years ago I found out that a car I cosigned for my daughter which was totaled had an amount still outstanding. XXXX paid it off except for about {$1200.00}. I was wholly unaware of a deductible because I was a silent party to the deal. Once I found out about it through my credit report, I contacted the company who wanted to settle it. I refused to settle it and wanted to pay it in full show that it was reflected in my report. They had it showing as a charge-off. I contested it because I never received notice of it. They had my address and license ( and did the deal via telephone ). I signed and sent paperwork via XXXX. Because they had my address as a co-signor, the representative agreed to reflect it differently as paid in full and not as a charge-off. They sent me a letter stating so ( attached ) and changed it which allowed us to be able to purchase our home. Now 2 years later, we found out it is again reflected as a charged-off account. We do not know why they reverted it to charge-off status. After calling them and trying to speak with someone who could help, we have decided to open the matter with you. We can not open a dispute because the bank ( s ) will not do a deal with open disputes. We had to rectify something that looked like a dispute on my husband 's record from 15 years ago that had already been taken care of. We do not know how these records keep reverting back with old information or erroneous information. But now time is of the essence. We were supposed to close this Friday and the second bank backed out because they won ; t do business with anyone with a charge-off in the last 5 years. I am being deployed on XX/XX/XXXX and can not take care of business while away. CAN you help us? Time is of the essence. I am attaching the paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Violation of the Privacy Act of 1974 Unauthorize use of my report as consent was never given. 
Please see attached.

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 2021-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went in to my local Kohls store on XX/XX/21. While there, I was asked if I wanted to use my Kohl 's charge account to receive a discount on the purchase that I was making at that time. I did not have my physical store card with me ; the cashier indicated that I could use my driver 's license to locate my existing account. After allowing the cashier to use my driver 's license to locate my account, the cashier stated that he found my account but that he needed an income verification update. I consented to the income verification update. However, I received a letter from Kohl 's indicating that an application was submitted in my name and that it could not be opened due to an existing account. being opened. I then contacted Kohl 's directly. I was advised by the representative in the application 's department that my application was not approved due to an existing an account but that the existing account was closed on XX/XX/21. The exact day that I was in the store doing what I mislead to believe was an income update. I was then transferred to a customer service representative, who then hung up or the line was disconnected. I then called back through Kohl 's customer service. The representative verified my information then after listening to me speak for 4-6 minutes asked me if I was calling about my Kohl 's account or someone else 's. Clearly the representative was not listening to what I was asking or trying to understand why I was lied to about the application and why my account had been closed without any knowledge or authorization by me. The representative had no answer as to what happened with the new application being submitted and seemed to be struggling to find answers to common credit score questions. The rep then stated that my account had been closed due to not being used. However, when I was at the store, I was advised the account was open and only need verification due to my last name being changed after getting married. I requested a supervisor who could not answer the questions that I was asking. I advised the representative that I felt deceived because no one said that an application would be submitted and then denied negatively affecting my credit. They have not resolved, any issues. The supervisor told me a different date from the previous rep for credit closure. The supervisor indicated all he could do was fill out a request for someone else to try to fix any issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: NAVY FEDERAL CREDIT UNION
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:
XXXX XXXX account has shown up own my credit report fraudulently. The account shows a balance of {$2000.00}, which I had to call and settle with the company just to purchase my home last year costing me thousands of dollars. This issue almost cost me owning my own home. I disputed the fraud account XXXX and XXXX has taken off the fraudulent account, XXXX on the other hand has not removed the account that is hurting my credit score and reporting falsely on their systems. I have disputed this item multiple times. I even attached an FTC report and filed another dispute XX/XX/2022. Those result came back as updated. This item is detrimental to my credit profile and is against the CFPB. My credit profile is my financial representation and this false and fraudulent account is harming any new possible opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with Navy Federal Credit Union back in XX/XX/2020. I advised the mortgage counselor I woul be traveling so please let me know what things she would need so I could submit everything before I left. This counselor has done everything in her power to give me the runaround, just yesterday she wanted to order a new appraisal because of all the time that has passed. Several representatives offered to have a supervisor reach out, but none ever did ( at least 7 people said it ). This loan is a {$90000.00} refinance, everything needed was submitted over two months ago ( including everything for closing ). The mortgage counselor is deliberately holding my loan and no one at the company will intervene. I requested to have the .75 % up charge waived on my interest rate, she offered to submit the form for my request. She called me back 5 minutes later, the same day to tell me she saw that I had just changed my address and she was looking through my bank deposits and saw I was getting deposits from NY. So, I yelled at her and told her all I asked her to do was to request to have the fee waived. She tried to imply my interest rate was gon na be higher because it wasnt my primary home. Yet, the interest rates are listed for first and second homes. She tried to discriminate against me, because she had a problem with me getting the lower interest rate. At this point she hasnt moved my loan, and when the escalation team called me she beeped in on the other line. Escalations department told me that I had to answer the call, so they never addressed the complaint but had the mortgage counselor call me. As I am talking to the mortgage counselor, she begins to request stuff that was senseless. I am not sure why Navy Federal service has gone downhill but I am moving my money to another financial institution. She is not 5 months into this asking for paperwork all over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2022-10-12
Company: Lendmark Financial Services
State: CA
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:
Lendmark checked my credit report without my consent. 
told no hard inquiry will be done then it made credit check on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : 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