BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
Hello, I am writing to report that I have been the victim of identity theft, as evidenced by unauthorized inquiries on my credit report. According to 15 U.S.C 1681, credit report agencies are acting unlawfully and defaming my character by allowing these inquiries to appear on my credit report without my permission. These unauthorized inquiries have resulted in significant damage to my credit score and have made it difficult for me to apply for credit. As a result, I believe that the credit bureaus have violated my rights under the Fair Credit Reporting act, which requires that credit reporting agencies maintain accurate and up-to-date information about consumers. I urge the CFPB to take swift action to address this issue and ensure that credit reporting agencies are held accountable for their actions. I would appreciate any assistance you can provide to rectify this situation and restore my credit report to its rightful state. Thank you

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Theyre saying I owe I debt that I never consented too. Then added it to my collections, which in turn made it a bit difficult to take out a person loan thatll help consolidate my credit card debt. Theyre trying to get paid twice and Im not having it. They already filed a 1099. So they should be the ones paying that debt. Especially since I didnt give them the consent to sell my information

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 2023-01-18
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX   XXXX   XXXX    Requested a " Stop Junction '' from Ocwen Mtg. Selling my home on the court house steps. After illegally FORECLOSING!!!
Judge award  ed   XXXX   XXXX   .from pri nciple, {$47000.00} from areages & REPAIR CREDIT, of which they NEVER DID.   Come  XX/XX/XXXX , They IllegalLY FORECLOSED ONCE AGAIN!!!   CAUSING HAVOC ON MY SM. BUSINE SS ; ( OCWEN ADDED A SERVICING FEE, OF OVER {$9000.00} WHICH GREW TO {$18.00}. THAT IS WHEN THEY TOLD ME TO " PAY OR QUIT ''. AFTER 6 YRS. HAVING SHOWN PROOF OF 12  payment 's, GOING BACK FROM  XX/XX/XXXX , ONLY   HAVING PROVED them to have been notarized, front & Back, THAT THIS MT   G. FIRM, Ocwen HAD BEEN EMBEZZLING my HOUSE PAYMENT 'S!!! NEVER HAD I BEEN GIVEN CREDIT. THEY CONTINUOUSLY ASK FOR PROOF OF PAYMENT FROM PREVIOUS MONTHS. MY     BUSINESS    NOW, OVER 20YRS, WHICH I
  XXXX   XXXX   OWN & OPERATE   HAVE SUFFERED IMMENSELY : ( NOT MENTIONING MY HEALTH IS NOW   FAILING DUE TO   XXXX  !!! I 've CONTEMPLATED SERIOUS ACT 'S ONLY HAVING REALIZED, THIS PLACE IS TEMPORARY!

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 2018-10-29
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against XXXX XXXX XXXX for reporting erroneous late payments to the credit bureau. 

I also file complaints against Equifax and XXXX falsely lowering my credit score ; reporting incorrect late payments and refusing to remove inaccurate collections on my records. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with XXXX XXXX. I am at the mercy of these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted XXXX XXXX and their representative says they are not reporting any late payments. Please tell me what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-22
Company: EQUIFAX, INC.
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
American Express furnished and published my personal information without my written consent according to 15 USC 1681 section 602, a & 15 USC 1681, section 604A section 2 please take a moment to look at the account that are being furnished, or my consumer report without my permission, and or written consent, and whose rights have been violated.

15 USC 1681 section 6028 states I have the right to privacy 15 USC 1681 section 604A section 2 states, a consumer reporting agency can not furnish an account without my written instructions And in accordance with the fair credit reporting act, the law has been broken, and my rights has been violated Also, I have disputed this matter on multiple occasions, and in each instance, a thorough investigation was not done. Those actions are in violation of the laws outlined in section 611 ( a ) ( 1 ) ( A ) as American Express have neglected to provide the required method of verification as stated in section 611 ( a ) ( 7 ) and furthermore, American Express is also in violation of section ( 5 ) ( A ) of the fair credit reporting act ( FCRA ) by not promptly removing all disputed unverified reportings American Express has also breeched their contract While under dispute, American Express can not collect the amounts in question or report delinquent on any amounts American express continued collection on the amounts disputed and continuously reported negative derogatory reporting to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a request to this company to find out what this debt was for. I received a response stating it was for a gym membership that I never signed up for. There  are 2 seperate contracts with 2 different dates and two different  amounts. The license number listed is not mines. I asked this company to provide me with a copy of the identification that was used. I am more than 99 % sure whenever you sign up for any kind of membership a copy of your photo identification is kept on file as well. Also it states that a credit card payment was used I just recently got my  XXXX  credit card not to long ago. I contacted them and ask if they could mail me a copy of the ach authorization form they claimed they had on file but was told I had to contact the collection agecny.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 respectfully ask that you rectify my credit report by removing the public record currently shown. For your reference, I've attached the required documents. I appreciate your prompt attention to 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 non-monetary relief
Consumer complaint received 2017-05-17
Company: EQUIFAX, INC.
State: FL
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 am a victim of identity theft. Someone opened an account with  XXXX   XXXX  using my information in  XXXX   XXXX  and left an unpaid debt of {$11000.00} on the account. This debt was eventually charged off and placed back on my report as a bad account. The account number is "  XXXX  ''.     In  XXXX , I contacted and filed an FTC Identity Theft Affidavit to open an investigation and get this matter resolved and removed from my credit report. I have recently re-filed a police report to get Equifax to understand the situation I 'm in and finally remove this bad account from my credit. I have contacted Equifax on multiple occasions with the attached police report but they are refusing to remove this account from my credit. I want to add that this account is not even reporting on  XX/XX/XXXX  and   XXXX    anymore. They deleted it from my report so I do n't understand why Equifax is refusing to address my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
Hello, I am writing to report that I have been the victim of identity theft, as evidenced by unauthorized inquiries on my credit report. According to 15 U.S.C 1681, credit report agencies are acting unlawfully and defaming my character by allowing these inquiries to appear on my credit report without my permission. These unauthorized inquiries have resulted in significant damage to my credit score and have made it difficult for me to apply for credit. As a result, I believe that the credit bureaus have violated my rights under the Fair Credit Reporting act, which requires that credit reporting agencies maintain accurate and up-to-date information about consumers. I urge the CFPB to take swift action to address this issue and ensure that credit reporting agencies are held accountable for their actions. I would appreciate any assistance you can provide to rectify this situation and restore my credit report to its rightful state. Thank you

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 2023-04-30
Company: EQUIFAX, 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:
Upon checking my consumer report i noticed inaccurate accounts and information that does not belong to me, i didnt authorize to any of this information to be reported on my credit recorf, it's affecting my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had sent 2 letter to Experian about Fair credit reporting Act Section 609.. the last letter was sent on XX/XX/XXXX ( certified ) and first letter was sent on XX/XX/XXXX ( certified ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Experian Dispute Department XXXX XXXX  XXXX XXXX, TX XXXX Dear Credit Bureau, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS 1.  XXXX XXXX XXXX XXXX - {$2300.00} Revolving Negative 2. XXXX XXXX XXXX XXXXXXXX XXXX Revolving Negative 3.  XXXX XXXX XXXX USA N XXXX XXXX - Revolving Negative 4. XXXX XXXX Revolving Negative 5. XXXX XXXX Revolving Negative 6. XXXX XXXX Revolving Negative 7. XXXX  XXXX Revolving Negative 8. XXXX. XXXX, XXXX XXXX of XXXX XXXX XXXX XXXX that are NOT valid 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX   XX/XX/XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information within 30-45 days, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN XXXX DOB XX/XX/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 2017-05-17
Company: NCB Management Services Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have a couple debts thats been reported that i have zero to do with me i dont know if its because my father and I have the same name or if i was irresponsible with my SS # but they have n't been able to verify the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX  XXXX  Equifax Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! As you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court, for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from Equifax and {$400000.00} from XXXX XXXX XXXX XXXX for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My compliant is regarding American Express and XXXX XXXX. I received an email invite on XX/XX/XXXX for a American XXXX XXXX Credit Card. I have been receiving this offer for sometime as my family flies XXXX a lot. It offered 12 months introductory period at 0 % APR on purchases and so I applied after some delays i was approved on XX/XX/XXXX. The account was opened XX/XX/XXXX. ( I still possess all the invitation email stating clearly 0 % APR for 12 months and it is attached ). I got the card in the mail and the was no interest on my statement for XXXX the first month, so i thought everything was fine, i notice late XXXX that America Express had charged me interest for XXXX and XX/XX/XXXX, so i called the customer service immediately and i was told they would look into immediately and have everything fixed. American Express and XXXX have not looked into it as i was still charged interest in XXXX of XXXX. This is wrong and I would like American Express and XXXX XXXX to Honor the terms of the Card i applied and approved for, 0 % APR on Purchases for 12 months.

Company response to consumer: Closed with explanation