BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
A violation of 15 U.S. Code 1681a, Under the Exclusion Clause ( A ) ( i ) TransUnion must respect my right to privacy. I have a right to privacy ; TransUnion is violating my rights to privacy as a Federal protected consumer. There is a need for TransUnion to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. They have developed an elaborate mechanism for investigating and evaluating the credit worthiness credit standing, credit worthiness, credit capacity, character, and reputation of consumers. 
Through Transunion actions as resulted in Companies/Banks violating 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), that protects applicants from discrimination in any aspect of a credit transaction. Which include Consumer credit, Open-end credit, Credit applications, Standards of creditworthiness and Denial of credit. Transunion actions not respecting my privacy as caused great harm to me and my Family. The banking system depends on accurate reporting and due to their practices as undermine my confidence in the functioning of the banking system. 

I

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 2021-01-05
Company: Home Point Financial Corporation
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA loan with Homepoint ( formerly Homepoint Financial ). Pursuant to the CARES Act, I requested and received a six-month forbearance on my mortgage beginning in XXXX, and running through XXXX, XXXX. I have received documentation from Homepoint confirming my forbearance. 

Notwithstanding my documented forbearance, Homepoint has been sending threatening communications to me in which they claim my payment is late. When I call, representatives for Homepoint claim that I can " disregard '' the notices because I am in forbearance. This includes the last notice I received in which Homepoint threatened to initiate foreclosure proceedings. I again was told to disregard this notice, and that Homepoint can not stop these " automatic '' forms from being issued. 

Homepoints actions violate the spirit and letter of the CARES act, as well as the consumer protection laws of my state. Servicers such as Homepoint are obligated to provide a CARES Act forbearance if : ( 1 ) a borrower requests forbearance, and ( 2 ) the borrower affirms financial hardship due to the COVID-19 emergency. They may not lawfully coerce or threaten borrowers into making payments despite their forbearance. While I ( as an attorney ) will not be dissuaded from exercising my rights, Homepoint does not dispute that it is threatening to foreclose on borrowers who exercise their rights under the CARES act. How many borrowers have made payments they are not required to make out of fear of foreclosure? Homepoint could fix this problem, but I suspect that they gain more by letting it go than addressing it. Short of my filing a class action on behalf of Ohio borrowers under state law ( as I understand the CARES act to offer no private cause of action, see XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX, XXXX. XXXX, XXXX ) ), action by the CFPB is urgently needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$330.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$340.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: CT
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 XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2021-01-05
Company: BANK OF THE WEST
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit card statement closes on the XXXX of every month and the new month 's period begins on that day. Bank of the West ( " BOW '' ) reports the status of my credit account on that date to the credit bureaus. This past XX/XX/2020, my credit account was reported to the credit bureaus as has been done in the past ; however, on XX/XX/2020, another report was provided to the bureaus and at the time that report was submitted by BOW, my account balance was 99 % of the credit limit. As such, this tanked my score ... 

In trying to contact BOW, the agents first claimed that BOW agents were not trained to know the dates BOW submits credit account information and status to the bureaus and that if I had an issue, I should contact the bureaus, but upon my investigation into this matter, BOW should be able to aid me in addition to filing a report with the bureaus themselves. So, I called BOW back and explained everything again, only for the agent to put me on hold and eventually terminate the call while I was on hold. I called back and then there was silence on the other end of the line followed by the call terminating.

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 2021-01-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcies as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account.

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 2018-05-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I received a communication from Home Depot ( Citibank ) regarding a credit card charge. I immediately contacted Home Depot and after remaining on hold for more than an hour, I finally reached some one who directed me to Citibank. I called them and explained that I had never applied for a Home Depot card and did not have one. The person I spoke to assured me that they would send it on to the fraud department. They said that someone had applied for the card in the store and they would start an investigation. 

Then about one month later, I received a call with a recorded message that my account was overdue with new charges. I had another long session on the phone with someone named XXXX and employee number XXXX. He repeatedly asked me for personal information even after I explained the situation. I resisted but finally relented, after which he continued to ask me to make a payment on the account. I was finally handed off to a supervisor, who admitted that the account was flagged and saw that I had contacted them previously. She put me on hold, then returned and said the Fraud department could not be reached. This occurred Saturday, XX/XX/XXXX. 

Today ( Wednesday, XX/XX/XXXX ) the recorded calls started again, asking me to call the same number. I would like these people to straighten this out on their end and never bother me again. I promise I will never open an account with them. I have no account number because I have no account or documentation because I have no account. They can only find me by using my name and phone number.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have information on my credit report that does not belong to me. I contacted the bureaus, but they did not remove the accounts from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-22
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX an Account from XXXX XXXX was verified as Fraudulent and removed from my credit report. 

On XX/XX/XXXX this account was placed back on my credit report even though it is fraudulent- the company in question, experian, also did not notify me within 5 days of reinserting it onto my credit report which is a violation of FCRA SECTION 611 ( A ) ( 5 ) ( B ) ( ii ), Cited here : ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I sent a First Class mail delivered envelope to the company on XX/XX/XXXX - regarding this violation and still, this fraudulent account remains on my credit report. 

There has been no notification from the company regarding this matter.

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 2021-11-11
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I paid my monthly car payment to XXXX XXXX XXXX via their app as I have every month - using the same bank account - as I always have. 

On XX/XX/XXXX, my credit monitoring services started alerting me to delinquent account from XXXX XXXX XXXX. This one error plunged my credit score by in excess of 25 points on all three credit bureaus. 

I checked my bank account and no payment had been presented- and even if it had, my bank would have paid the overdraft. In addition, in the 20 days, XXXX XXXX XXXX never alerted me - via phone call, text, email or even within the app - that the payment had failed due to the faulty app. This error caused my auto payment to be marked as delinquent when it was not. 

XXXX acknowledged that the error was theirs and that they had been having problems with the app. The customer service rep told me she sent a corrected credit market to the 3 credit bureaus to correct this problem. I explained that I needed this corrected immediately ( within 48 hours ) as I had applied for a mortgage, and had paid all my credit cards off to enhance my credit score, in preparation for my monthly update to my credit score on XX/XX/2021. 

I have checked incessantly and this error has not been corrected. In fact, a call to XXXX XXXX XXXX indicated that I would have to write a letter - and send via regular mail -explaining the error to get it corrected. This is unconscionable. 

Please get this derogatory credit mark off my credit report as soon as possible - my mortgage and earnest money deposit are in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Upgrade, 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: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX of 2022, we received a FRAUD ALERT FROM XXXX XXXX XXXX concerning IDENTITY THEFT involving XXXX  UPGRADE in the amount of {$5500.00}. 

We immediately telephoned XXXX  UPGRADE to dispute the FRAUD and notify them of the IDENTITY THEFT. During a long call with their representative, XXXX, we were told that the account had not been funded and he still had time to cancel it due to the IDENTITY THEFT and FRAUD. XXXX exact words were The good thing is it hasnt been used yet. ( It was ) set up on the XXXX ( of XXXX ). 

He also told us that XXXX  UPGRADE had sent a promotional mailer to our old address at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX and that it had been completed, signed and mailed back with a forged signature. He also stated that my personal financial information was included in that application. 

My personal financial information could have only been provided to the new tenants by our former property manager, XXXX XXXX of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX or ILLEGALLY obtained by XXXX XXXX XXXX ( the new occupant at our old address ) through XXXX XXXX XXXX XXXX where she is also employed. 

XXXX told us that he would send us a copy of the fraudulent application, yet after 5 months, he has still failed to do so. Instead of doing what he promised, he did send us an electronic version of the FRAUDULENT APPLICATION which stated that the purpose of the loan was home improvements. This would be impossible for us as we rent our home and DO NOT OWN ANY HOME. On the bottom of that electronic copy is the statement XXXX XXXX XXXX The customers date of birth or ID data did not match XXXX data yet they processed the fraudulent loan anyway. So much for due diligence on the part of this negligent company, XXXX  Upgrade. 

XXXX also asked us to file a police report with our local sheriff, file an FTC IDENTITY THEFT report and provide XXXX  Upgrade with copies of those along with a copy of my Florida Driver License which we did via U.S. Mail. 

While we had this discussion with XXXX at XXXX  Upgrade 5 months ago and we provided every bit of documentation requested, XXXX  Upgrade went ahead and funded that FRAUDULENT LOAN to the IDENTITY THIEVES anyway. 

This FRAUDULENT ACCOUNT and XXXX  Upgrades FRAUDULENT REPORTING of it to XXXX, XXXX and XXXX have cause my credit scores to drop with each bureau anywhere from 100 to 150 points each and these scores continue to plummet due solely to XXXX  Upgrades NEGLIGENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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