BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage on my home was paid off on XX/XX/XXXX. The mortgagee is supposed to file a Discharge of Mortgage with the XXXX XXXX within thirty days. They created the Discharge on XX/XX/XXXX, but that Discharge was rejected as defective, by the XXXX XXXX. 

The mortgagee created another XXXX, but that one was also rejected, due to perhaps three errors. 

On XX/XX/XXXX, the servicer sent me a letter that they are still working on this. 

Now that my house if free and clear for a year, I have been trying to refinance it, but this old mortgage still shows up on my record, preventing me from closing on my refinance. 

I filed a previous complaint with CFPB under ID XXXX .... But I am filing this new complain since the servicer has only provided a letter saying they are working on the matter. That is not acceptable, since this matter is now more than a year old ( since the mortgage was paid off ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XX/XX/2023. I reached out to XXXX XXXX on XX/XX/2023. I reached out to Equifax on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent my first letter to the credit bureaus- XXXX, XXXX and Transunion reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They never responded after several attempts of follow ups done. 

With that said, they were advised to investigate these accounts that I believe are inaccurate. That was MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the accounts from my credit report. I have given them more than enough time.

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have tried to resolve this problem with Trans Union, XXXX, and CFPB Complaint ID XXXX. I thought the issue was resolved, only to find that XXXX has again filed that I am delinquent on my credit report as of XXXX, which makes me now 120 days late on a XXXX balance. I'm frustrated and don't know what to do. Please help me this time.

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 2018-08-06
Company: Bread Financial Holdings, Inc.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX debited my checking account on XX/XX/2018 for {$160.00}. It stated that this was done via telephone. I did not authorized this payment. I notified my bank and they are looking into this matter as well. I tried calling XXXX and they gave me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
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 mailed to the agency several months ago and they did not do anything at all. The agency also did not respond with any outcome on results. 

XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I, XXXX XXXX XXXX, recently looked over my credit report and found incorrect information, that was invalid and unverifiable. It made me so sad and depressed that your agency has invalidated and inaccurate information that you did not insure was 100 % accurate on my consumer report. I am asking you to reinvestigate the following accounts. I do not owe XXXX XXXX XXXX {$820.00}. I demand an immediate re-investigation. The original creditor, the XXXX XXXX XXXX, has reported this dept to several creditors with different balances. Please verify this dept. Also, I demand re-verification from XXXX XXXX XXXX  {$300.00}, you have no sent verifiable proof of this dept belonging to me. I also ask for your agency to verify the bankruptcy you are reporting and I have not received anything in return in over a year after sending several letters. Your company is also reporting XXXX XXXX account XXXX, for a balance of {$350.00}, which is not correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify thoroughly the physical verification of the original signed consumer contract, all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) you have on file for the collection you are reporting inaccurate. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts immediately. 


Yours truly, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX  after numerous attempts does not comply with fcra laws they deny any request to confirm missed payment and provide proper documentation even when I send them letters sayings it me with my id and address and Social

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 2020-11-11
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: AZ
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate. ( Marked as derogatory when it was paid to date and closed without debt ) Change or delete Thank you for your time.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: Webcollex, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving calls from a debt collector regarding XXXX XXXX. They have been continuously calling me every single day up to 4 times per day. I have told them I do not know who this person is and I have personally owned this # for 12 years. However, they continue to call. They are a nuisance to my life. I have blocked them from each and every number that they have called me from, but they manage to continuously call me. The most recent number that they have called from is XXXX CKS Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 found inquiries on my credit report that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXXXXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX 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 explanation
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On the XXXX of XXXX I contacted TransUnion via certified mail requesting a prompt deletion of unauthorized inquiries filed on my credit profile on the XXXX of XXXX I spoke with XXXX a supervisor and explain to her that I did not initiate the increase and spoke with the creditors and ask them to provide proof that I initiated the said inquiries at which time I was told that they will not be be removed unless I provide a police report or something from the creditors I have been in contact with the creditors but they have not reply or comply with my request for removals or a letter of removal XXXX told me it was my burden to prove that these said inquiries were inaccurate. When the you dipute item on your credit profile the cra has the duty to do a reasonable investigation and correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your disputes there are in violation of section 15. 1681.i of the fcra

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 2023-09-06
Company: Experian Information Solutions Inc.
State: TX
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:
Please see the attached release form and remove the account XXXX XXXX XXXX from my credit report. This will be my last attempt at fixing this error. XXXX has since removed this account. I am requesting that you follow suit and delete this account 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 2023-03-02
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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXXXXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( 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 antedates the report by more than seven years.

15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2023-03-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX 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

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
CFPB Write up n accordance with the Fair Credit Reporting act 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 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 explanation