BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

I told XXXX, Transunion and XXXX to reinvestigate these accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate .But how is that possible if the open date, date of the last activity and much more is incorrect .I did request a detailed description of the investigation according to 15 USC 1681i ( 7 ) NO later than 15 days and they never responded .According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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 states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 anledales 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 ageny if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting .I have evidence to prove my case

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 2023-05-15
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received notice of collection nor proof of debt/breakdown of fees. Disputed w credit bureaus but never received response for request of debt validation. Has caused extreme damage to credit report. I want proof of debt including all names of contact, dates, what was sent and to whom & also written contract that states this can be reported.

I consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1.Account Name : rent recovery solutions Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NC
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My complaint cites serious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 committed by XXXX XXXX XXXX XXXX. These violations have resulted in significant harm to my privacy and have impacted my consumer rights. I hereby request a remedy in accordance with 15 USC 1681n for the damages incurred.

The specific violations are as follows : 1. Violations of 15 USC 6802-6805 and the Privacy Act of 1974 : Unauthorized Sharing of Personal Information. 

XXXX XXXX XXXX XXXX has unlawfully shared my personal information without my consent or any legal basis, thereby violating my rights under 15 USC 6802-6805, Privacy Act of 1974 as well as their very own Privacy Notice which is attached to this complaint. This unauthorized sharing of my personal information has resulted in a breach of my privacy and caused me distress and concern. I demand that XXXX XXXX XXXX XXXX immediately cease any further sharing of my personal information and to take appropriate measures to prevent such unauthorized disclosures in the future.

2. Violation of 15 USC 1681A ( 2 ) ( 1 ) : Improper Disclosure of Experiences and Transactions. 

In addition to the aforementioned violations, I have discovered that XXXX XXXX XXXX XXXX has improperly shared my experiences and transactions on five separate occasions during the period of XXXX to XXXX, XXXX, and Transunion. This disclosure of sensitive personal information without my consent is a clear violation of 15 USC 1681A ( 2 ) ( 1 ). I request that XXXX XXXX XXXX XXXX take immediate action to rectify this violation and ensure that my experiences and transactions are not further disclosed without lawful justification.

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 2022-10-25
Company: VERITAS FUNDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX Current Legal Name : XXXX XXXX XXXX XXXX ID : XXXX Location ( s ) : XXXX, AZ XXXX Represents : Veritas Funding , LLC XXXX  XXXX ) Sending fake document requesting call in and then asks for ssn. 

Fake VA XXXX XXXX  belonging to homeowner

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: OneMain Finance Corporation
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: Information belongs to someone else

Complaint:
I am a victim of identity theft due to the XXXX data breach XXXX XXXX - {$1000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX  - {$830.00} - XX/XX/XXXX ONEMAIN XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
There was a credit card opened fraudulently with my identity in 2019 in XXXX BANK DELAWARE and was used beyond the limit. There was no payment made towards it. 

Currently it shows against my name with missed payments for the last 2 years or so and had taken a heavy toll on my credit score. 

As a result my auto loan APR went to high, I am not able to get any new credit line from any financial institution. I am facing a heavy financial turmoil and difficulties due to this. 

I had tried to dispute the same through credit bureaus [ Transunion & XXXX ] several times in the past few months. But everytime the bank rejects saying that its a valid account. 

I confirm again this account was not opened or used by me at all. 

Please help me out. Thanks in advance.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestisgate the completenesss and accuracy of the list of accounts below : 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  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 itemsof information other than records of convictionsof crimeswhich antedates the report bureau more than 7 years 15U.S.C 1681s-2 ( a ) ( 1 ) A person shall not not furnish any info relating to a cusumer an person knows or has reasonable cause to belive 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 2021-10-22
Company: Experian Information Solutions Inc.
State: GA
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 tried many times, ( emails, phone calls, file a report ) to contact Experian and talk to someone that had the authority to act in my behalf. They don't return phone call request, nor do they follow up on reports that you give them. 
I have about a XXXX credit score, which I am proud of, but I am getting turn down for credit cards, because of Experian lack of correcting a problem with XXXX. I do not need the extra credit card, but was only interested in the points offering. 
My problem with XXXX is a faulty I phone I return back to them many years ago. They said they never received it back and I said I did return it. I told them they have serial number and can trace the phone. I ask then to trace the phone by serial number and they never responded to request. XXXX is negligent and fraudulent in this manner. I do not own them {$900.00}, never used that phone, and will not pay for something I do not owe.

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 2021-10-21
Company: EQUIFAX, INC.
State: NC
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 dispute letter to the XXXX, Equifax, and XXXX on XX/XX/2021 and I have not received any results. I'm not expecting them to respond in 30 days but it's been 3 months. I need to get answers and responses from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX 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 XXXXXXXX, XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was affected by the covid pandemic and applied for forbearance. Once the forbearance period ended, Mr. Cooper offered me a loan modification agreement ( HAMP ). My original loan amount was {$420000.00} in XX/XX/XXXX and my unpaid loan amount was {$400000.00} when the forbearance started. I now received a modification that it is to be in effect in XX/XX/XXXX with a balance of {$440000.00} and extended by 4 years until XXXX/XXXX/XXXX, instead of XXXX/XXXX/XXXX. My rate was decreased by 0.5 % and is offered now at 3.25 %. In addition to that I was requested to pay a monthly escrow of {$1000.00} plus XXXX in a 60 month period. In sum : 1 nowhere in the modification they sent me there is a CLEAR AMOUNT showing what I will pay monthly. 2- My loan of $ XXXX jumped to {$440.00} K in one year- which is XXXX more than before the forbearance, which is they are charging {$2.00} a month for late fees plus 3 years more of payments ( XXXX more in payments ). I am not financial expert but this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am submitting this complaint as follow up as I want this remaining fraudulent inqiury to be removed from my credit report. And I am kindly asking the CFPB to please oversee the removal of this remaining fraudulent inqiury from my Experian credit report : EXPERIAN : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-05-13
Company: VYSTAR CREDIT UNION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a Card with Vystar. I was traveling and I made a reservation for a hotel in XXXX. Which I authorized the hold on my card for the reservation which was a little over {$800.00}. When I checked in to the hotel they actually removed the hold and charged my card right there at check in for the {$800.00} and some dollars. I was traveling and staying in several hotels for a couple weeks so I was constantly checking my account several times a day. What I got to my room and unpacked I checked my account to make sure everything was good and see what my balance was after paying for the room. Everything added up and was fine. However, when my stay was up and I checked out I returned the keys and they said my small deposit would of {$100.00} would return to my card in about 24-48 hours ( the deposit for cleaning and damages ) that was returned to my card no problem however I was charged the entire stay of {$800.00} was charged to my again. It was not the deposit for damages it was the actual amount for the whole stay. I fought back and fourth with the hotel which said it was Vystar and Vystar said it was the hotel. I never got a resolution and never got the money back. BUT now I noticed it is on my credit report which my credit was perfect no late payments or collections. nothing! This is negatively impacting my credit and I cant get any help form anyone I call or send mail to. I understand the money is gone and I wont get it back but this is not ok that my credit is now effected and I cant do anything about it. Please help. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The undersigned, XXXX XXXX, is being named Defendant in a wrongful foreclosure lawsuit against him brought in the name of XXXX XXXX  XXXX, ( no address was provided ) allegedly as Trustee, on behalf of unidentified purchasers of so-called mortgage pass-through certificates, series 2006-AR6, of a non-existent XXXX XXXX XXXX XXXX ( not registered anywhere ) ( Case # 2018ca2401 Manatee County, Florida ). 
Attorneys for claimant ( s ), whoever they are, do not dispute that these " claimants '' have no relation to the alleged debt as they have never purchased it ( which is a clear requirement under Article 9-203 of the Uniform Commercial Code ), have never had it on their books as an asset or a liability, have suffered no damages, but are set to receive unlawful off-the-books profits from forced sale of the homeowner 's property ( and have already achieved that in thousands upon thousands wrongful foreclosures around the country ), and would stop at nothing to hide their identities with their counsel 's collaboration. The complaint, however, does state and make the Judge believe that foreclosure sale of the property is to repay the debt owed to claimants, which is not true. 
A case from Washington State, Cashmere Valley Bank v. State of Wash, Dept of Revenue, 334 P. 3d 1100 ( Wash. Supreme Court 2014 ) explains in detail investment certificates are not secured and not entitled to foreclosure. PLEASE HELP me personally and also forward it to Task Force Docket # XXXX to help thousands of of other homeowners being wrongfully foreclosed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NY
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.

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 explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

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 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