BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
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:
For one I paid my account off with XXXX XXXX XXXX XXXX XXXX TransUnion keep dropping my score unlawful violation consumer rights protection act on top of this TransUnion report unlawful using XXXX XXXX XXXX XXXX to harm my credit score by reporting unlawful act know I have an identity thefts fraudulent activity an fraud alert on .my credit report due unlawful act personal information failed to investigate illegally activity instead taking the company word with 2 form identification by law must be on file to run anybody credit in the United States of America to be approved for any type loans or credit installment payment must have identification number on file an proff of address if they can't provide them documentation im file lawsuits on TransUnion credit report failure to comply with federal regulations guidelines NMLS registration number have the license revoked due to u unlawful act tampering records proving false address identity thefts now XXXX XXXX XXXX XXXX have 10days to provide documentation an verification of 2 form identification on that credit application if they can't provide them I'm file civil action lawsuits against their company an have they license remove an revoke for buying illegally debt an harrissing me violation consumer rights protection act 10 days or removed it from my credit report now

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 2022-12-06
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage has issued several Foreclosure notices and late notices on my Account XXXX XXXX XXXX. However, all payments have been made timely and in advance by 60 days, they have misapplied the amounts, and i have made Fax, verbal and XXXX notice to the servicer with abolsolutely no response. I am at a complete loss to next steps other than hiring a law firm. I have provided them copies of all cancelled checks and payments confirming without question i am 100 % correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 did not consent to authorize nor benefit from these account ( s ).

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 2018-12-11
Company: Experian Information Solutions Inc.
State: CO
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 have an active MasterCard that I opened several years ago with XXXX XXXX. In XX/XX/2018 XXXX sold their credit card portfolio to XXXX MasterCards, a subsidiary of XXXX XXXX   XXXX XXXX, XXXX, South Dakota. XXXX sent a letter to me and all customers notifying them about the portfolio sale to XXXX effective in XXXX. 

In XXXX, when XXXX XXXX XXXX XXXX reported my Mastercard account to XXXX, XXXX and Experian for the first time, my fico credit scores with these 3 credit bureaus all dropped dramatically. My scores dropped 103 points with XXXX, 97 points with XXXX, and over 50 points with Experian. 

I did not have a late payment or an increase in my balance, or any other negative action on my part. In fact my XXXX report that I access through XXXX noted that I had paid the balance lower and they showed that as a positive change. Additionally there are no other recent changes, late payments, increased debt, or any other negative items on any of my other accounts. This drop in my score is definitely the result of the XXXX to XXXX sale. 

So, because one financial company ( XXXX ) sold their credit card portfolio to another company ( XXXX XXXX XXXX XXXX  XXXX XXXX ) the result of their actions is my credit score plummeted about 100 points. I did nothing wrong here. I should not be punished and harmed when I've done absolutely nothing wrong. 

I have called each credit bureau and XXXX Mastercard, as well as contacted XXXX XXXX XXXX   XXXX. I also filed disputes with XXXX and XXXX. Results : XXXX told me they are reporting correctly and the credit bureaus responded that they investigated and verified the details of my account at XXXX. Everything shows paid as agreed and no other negative issues. 

Summary : I can not get an answer from any credit bureau about why they destroyed my credit rating and lowered my scores about 100 points, when this credit card portfolio was sold. It is not fair business practice to cause great harm to the consumer when I've done nothing but meet my obligations. The bureaus harmed me because two big companies sold this portfolio. I had nothing to do with 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 explanation
Consumer complaint received 2022-12-29
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After I paid my balance in full on XX/XX/2022, Victoria Secret has charged me what they call trailing interest on balances that I had previously not paid in full going back to months. The due date for that balance was XX/XX/2022. I still received fees on XX/XX/2022, XX/XX/XXXX and XXXX, XXXX, XXXX XXXX & XXXX, XXXX. Because I was unaware of the fees, I was charged late payment fees as well. Although this explanation above was provided by the representative, it was unclear what amounts and dates each fee corresponding with. This seems to be an unethical way to gouge money from unknowing customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: SC
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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXXXXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.

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 2022-12-29
Company: WELLS FARGO & COMPANY
State: CA
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:
I was given a promotion for 6 months on a loan for windows I purchased. The promotion finished and my interest rate when up way to high, as well as my balance.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: GA
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.

The letters are stated with items and issues.

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 2020-02-23
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: Public record information inaccurate

Complaint:
Public record information 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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am writing to formally register a complaint against TransUnion due to potential infringements of the Fair Credit Reporting Act ( FCRA ) principles of accuracy and transparency. 

Background : On XX/XX/2022, I submitted an application for a {$10000.00} consolidation loan through XXXX XXXX XXXX Bank ). Despite a XXXX score of XXXX as reported by TransUnion, my application was denied due to an unfamiliar " Personal Loan Repayment Score '' ( PRLS ) recorded at XXXX. 

Key Concerns : Lack of Transparency and Dispute Mechanism : TransUnion did not make the PRLS available on my credit report, nor did they inform me of its existence until my loan denial. Compounding this issue, TransUnion 's website here ( https : //www.transunion.com/blog/credit-advice/how-to-dispute-your-credit-report ) explicitly states that credit scores can not be disputed, which denies me the right to challenge this score. 

Inaccessibility of Information : I found no available details regarding the XXXX 's calculation, methodology, or relevance, leaving me without understanding or recourse. 

Significant Discrepancy : The stark difference between my FICO score and the PRLS raises concerns about the accuracy and appropriateness of such scores and their impact on my financial standing.

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 2023-02-13
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have not received updated payment information since my consolidation and my PSLF tracker is incorrect since XX/XX/2022. No updates have been made on my account. After a few times of reaching out to get information on when my account will be updated, they keep saying I have to wait.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: DISCOVER BANK
State: NY
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 filed a dispute in regards to the incorrect items on my credit report and it has been over 30 days and I havent received any investigation results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2015 Bank of America returned my rent check for {$1000.00} as insufficient funds. I had previously made a deposit for {$1000.00} on XX/XX/2015 and the funds should have been available. I was made aware through viewing my account online at BankofAmerica.com. I immediately deposited an additional {$1000.00} into the account bringing the balance above {$2000.00}. Bank of America immediately apologized for the inconvenience, blamed slow processing of deposits for the incident, refunded all the fees, closed my account, and reported me to XXXX for suspected fraud. When confronted Bank of America updated my account status to having been paid in full, but refused to remove the false and inaccurate information from XXXX. They likely did this in retaliation after this incident occurred making it difficult for me to open an account elsewhere.

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 monetary relief
Consumer complaint received 2020-05-22
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I send payments to this company every month at the same time I pay my first mortgage payment. Always they say I am late or they didn't receive my payment. Then they add late fees and threaten foreclosure. I have even sent them two extra payments and they claim I am behind again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2022-12-29
Company: EQUIFAX, INC.
State: MN
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 in FCRA violation on XXXX XXXX i receive a message from my XXXX  XXXX services that something was remove! XXXX  or Equifax I asked for the account he removed for FCRA violations and in accuracy with both of you please respond and tell me what was removed because I requested the XXXX XXXX XXXX be removed nothing else and Ill be waiting your response I think you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to obtain a copy of my free annual credit report from EQUIFAX only. I've passed through www.annualcreditreort.com, but EQUIFAX says I need to mail in documents to verify my identity, after it asked me security questions that have nothing whatsoever to do with my account. I have seen many complaints similar to mine about EQUIFAX online. EQUIFAX is unable to provide credit reports online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: SC
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 writing you with great concern. 

XXXX XXXX Account number : XXXX does not belong to me, and it has been proven. The account that made payments for the installment loan is not in my name however my social and personal info was used. 

A late payment was reported in XX/XX/23 and my credit file was alerted which is the reason i noticed this account. I filed a police report and ID theft report and the company : XXXX XXXX XXXX XXXX is not cooperating or willing to help in any way. If this is not taken care of and removed from my credit report I will be contacting a lawyer as this is affecting my score and preventing me from closing on a home. I have great credit and payment history and this is one of the only derogatory items simply because it was done fraudulently. The is not fair and against the law. CFPB please help. 

XXXX XXXX Account number : XXXX FTC Report Number : XXXX Police report number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: SC
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-Opened XX/XX/XXXX {$200.00} My report for Equifax and XXXX is show 2 different reporting. Equifax is showing my account was late in some months and XXXX is showing never late. I reported it and nothing was change. It took them more then 30 days and still disputing. Which one is right? How can I have two different reporting when it's the same account. 

XXXXXXXX XXXX- opened XX/XX/XXXX {$1700.00} My Equifax is showing the last payment on XX/XX/XXXX and XXXX is showing XX/XX/XXXX. Then XXXX is showing the account was never late, but Equifax is showing it was late. I told them this account is fraud because I had to close my bank account because of this fraud account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
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:
FCRA violations: addresses not mine
XXXX XXXX XXXX XXXX XXXX, TX XXXX
Resident type
Single family
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

FCRA violations: payments never late
XXXX XXXX XXXX
Potentially negative
Date opened
XX/XX/XXXX
Balance
XXXX
Status
Open.

FCRA violations: accounts not mine
XXXX  Potentially negative
Date opened
XX/XX/XXXX
Balance
-
Status
Closed. XXXX written
XXXX XXXX XXXX
Potentially negative
Date opened
XX/XX/XXXX
Balance
XXXX
Status
Collection account. 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 2017-08-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I 've submitted letters and spoken to representative on the phone for Equifax to remove an incorrect name, several inquiries that I did not authorize and incorrect address, but to no avail. They have not responded to my numerous disputes instead they send a letter of the exact information that I am requesting removal of. One representative told me to contact the company to remove the inquiries and I contacted each and every company and the companies referred me back to Equifax. The information being reported with the inquiries, address and wrong name is incorrect and they refuse to respond and remove the incorrect information. I 've submitted my driver 's license, my XXXX and a utility bill several times to remove the info.

Company response to consumer: Closed with explanation