BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, 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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me, also a couple inquiries. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 


-XXXX-XX/XX/XXXX/-XX/XX/XXXX/-XX/XX/XXXX/-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I spoke wit this company twice over the last few days. I told them I was busy the first time and that I will call back when I can. They called the very next day while I was at work. I told them I can not talk but continued on. I told them I am a few weeks away from making a payment. They then accepted that and hung up. Today they withdrew XXXX from my account, and now I am going to miss my rent payment. I called them and they have not answered or returned my calls. The name of the company is Receivables Performance Management.

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 2022-03-31
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Onemain financial is holding a loan against me that I did not apply for and provided no evidence or proof of it was me that got the loan. It was a result of identity theft and they provided signature proof stating that it was digital meanwhile it wasn't a wet signature XXXX with docusign it was an automated sign. Secondly, they showed a void check with my bank info which I don't understand or know how they got and they stated that I took and refinanced a loan for kid braces. Meanwhile, I have health insurance and my kid has Never even gotten braces. I never made payments from a XXXX XXXX XXXX account which they stated or refinanced. It was a fraudulent loan when I had my identity stolen and I paid the chargeoff once it hit my credit as I didn't know you could dispute debt. If I had known that you could dispute debt I would have never paid this as I didn't know what to do as I had never had my identity stolen before. But this is not my application. Please review the enclosed documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 hope this letter finds you well. I am writing to express my continued concern and dissatisfaction regarding the late opening of accounts with 3 Credit Bureaus. This marks my second attempt to address and rectify this issue, and it is crucial to resolve this matter promptly and efficiently. 

I initially contacted your company on to bring to your attention the delayed opening of my accounts. Despite my efforts and your assurances that the matter would be promptly addressed, the issue remains unresolved. I am disappointed that a second attempt to correct this issue is necessary. 

I kindly request that you take immediate and effective action to investigate and rectify this issue. I expect a prompt response, outlining the specific steps your company will take to address the problem, as well as a clear timeline for the resolution process. Additionally, I suggest reviewing your account opening procedures and streamlining them to prevent similar delays in the future. 

Failure to address this issue satisfactorily may compel me to escalate the matter further by seeking legal remedies and notifying relevant regulatory authorities. pLease assist me to correct the following accounts : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$51000.00}.

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 non-monetary relief
Consumer complaint received 2023-03-31
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert from XXXX XXXX and XXXX XXXX that a new account had been opened on my credit report. I proceeded to call Macys and ask them to look into it and close the card. They checked into it and said I didnt have an account open but its still showing up on my credit report saying I do the {$200.00} limit Macys, Citibank , and a card. They refused to close the card out because they said they couldnt find one and its still on 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 non-monetary relief
Consumer complaint received 2022-03-31
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Discover credit card, in good standing, was closed on XX/XX/2022 The bank claims that they were unable to verify my personal information within a set period of time, and can only open another card with them by applying for a new one. This has negatively impacted my credit by eliminating my oldest credit account. Since I still have a balance on this account, which has always been paid on time, my utilization is over 100 %. This was originally a secured card that had converted to an unsecured line along with a limit increase. I understand the importance of having accurate information for account holders, but the practice of random verification seems very strange considering the standing of my account and the fact that there had never been a report of fraudulant activity, or even a pattern that may be interpreted as fraudulant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-12-30
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-06-15
Company: EQUIFAX, INC.
State: MO
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 requesting regarding this issue that had never resolve by the credit bureaus, and for this, I am complaining these incorrect information on my credit file that containing some fraudulent items. I am not satisfied with the performance of the credit bureaus in deleting some of these inaccurate items and there are some that are still on my credit report. These inaccurate information are really affected my credit score. I really believe that these items are fraud and I don't want to be a victim of identity theft. Remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$52000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$52000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$880.00}

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 non-monetary relief
Consumer complaint received 2023-05-18
Company: TEXAS CAPITAL BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a savings account online, XXXX XXXX  took photos of my license and myself, then DENIED me an account. So I telephoned bank and they said the license was blurry and asked me to RETAKE the photos, So I did that. Then it got denied again. The drivers license has a watermark on it that shades the writing, but it is still readable. But the computer still said no and the man on the phone could not overwrite that decision. So I ask the bank to delete all my photos, my birthdate, my SS number. The Bank Rep sent me to a link for that request. HOWEVER. after completing that request I was sent to this website : XXXX XXXX XXXX The website replied : '' We are unable to process your request at this time. Only California residents are granted additional privacy rights under the California Consumer Privacy Act. For more information, see our Online Privacy Policy and Privacy Notice. '' This is unacceptable. They REFUSED TO DELETE MY PERSONAL DATA. This is IDENTITY THEFT! I am a CPA, have a credit rating of over 800 and am debt free. I am really upset by this banking entity 's invasive proceedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: NVR INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2022 I locked in a rate XXXX with NVR had my loan estimate signed and completed. my loan officers plan was to use part of my down-payment to pay off my lease to keep me under 50 % debt to income ratio. XXXX I get contacted my the loan officer with an issue with his plan. The paying off the lease would not change my debt to income ratio. so eventual he got back to me saying they would get me to 2.75 % and that would work. I said ok. The lender then sent me a revised loan estimate on XX/XX/XXXX which supposedly brought my mortgage down. cost of home is XXXX, loan amount is for XXXX closing cost total XXXX, down-payment XXXX, already paid XXXX, seller credit XXXX and total owed at closing XXXX so today I recieved my closing disclosure total cost/loan amount I'd the same down payment total is XXXX less, seller credit is now XXXX. total due at closing now is XXXX the lenders excuse to why they were different were because he was playing with the numbers to get me where I needed and just said the XXXX was an error. but him and I had a conversation on the phone when I received the loan estimate and asked if this was the correct amount I will be paying at closing he stated yes. never did he say this was just him playing with the numbers. I never recieved another loan estimate after the one on the XXXX with any changes that he claimed he was playing with. now less than a week before closing I get a closing disclosure XXXX more than the last loan estimate my original rate at XXXX was matched to XXXX  XXXX XXXX with just a fee of XXXX matching them. when they dropped my rate the amount went to XXXX but the XXXX seller credit squatched it. now there claiming that it was not XXXX on any of the other documents and I examined because the rate charge was only the XXXX we agreed on. NVR lender messed up causing the issue and the reason for the rate charge. that's what I assumed the XXXX was for. now they are tryi.g to get put of it and have me pay for their mistake. I told the lender these are all legal documents I signed the last loan estimate because it was exact to what I will be paying otherwise if he was just playing g with number I should have recie Ed an exact document with the correct information. not a completely different document 6 days before closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: SLM CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hi there, I have a sallie Mae credit card, I have been making payments on time but I cant use the card. Upon call the company for last YEAR AND HALF they told me that the card has been blocked due to some fraudulent activity on the card. I said okay, now whats the fraudulent activity and they said I will have someone call you tomorrow and for past YEAR and Half no one has called me. They have been taking money from my account every single month. I didnt cancel my payment because it will affect my credit score. Last time when I called them they said administration will look into it and give a call back tomorrow, its almost one year and they never called me back. Each time I call them, they say their has been fraud activity on the account.I called them several times but always their answer would be same that they will call me tomorrow I called them again today and the story again. The number I have been calling is XXXX XXXX XXXX XXXX XXXX. 
I am going in circles so please help me before someone ruins my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX  XXXX Date Updated : XX/XX/1997

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 2021-12-06
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I found an error on my Experian credit report for a closed XXXX XXXX XXXX Account # XXXX. The delinquent date in XX/XX/XXXX is inaccurate, it states that the account was 90 days in XX/XX/XXXX after it was 150 days late in XX/XX/XXXX. I disputed this inaccurate account with Experian via USPS Certified Mail delivered on XX/XX/XXXX, Experian answered the dispute and updated the account on XX/XX/XXXX but the inaccuracy was not fixed. I disputed again with Experian via another USPS Certified Mail delivered on XX/XX/XXXX, Experian answered the dispute and updated the account XX/XX/XXXX but the inaccuracy was still not fixed. 

As a consumer I am entitled to an " actual '' investigation into my disputes, however, there's no independent investigation was done in regard to the inaccurately reported account that impacts my credit. It is irresponsible for Experian to cheat consumers with such blatant FCRA violation. Please respect the credit reporting guidelines and remove the disputed account 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