BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$34000.00}

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 2023-09-23
Company: Experian Information Solutions Inc.
State: PA
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:
I currently have unauthorized incurries appearing on my credit reports I have attached support and documentation.

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 2023-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent XXXX  more than several letters of the inaccurate and derogatory statements on my credit report Copyright laws my appelation is private and not to be used at all they are violating my human rights Copyright law, as defined in Title 17 of the United States Code, protects " original works of authorship fixed. XXXX XXXX XXXX is copyright 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

Fines for using my property, selling, trading, and marketing will cost each corporations {$1000.00} and or pay for arbitration! 
15 U.S. Code 1681n - Civil liability for willful noncompliance

Company response to consumer: In progress
Consumer complaint received 2021-09-16
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I called Experian with no help. There was three different numbers and there was no one to speak to in regards to inquires and accounts that are on my consumer report that was not authorized to be there. This is an issue of identity theft. Per 15 USC 1681 ( a ) ( 1 ) if consumer reports are inaccurate it damages the efficiency of the banking system. As a consumer per 15 USC 1681b ( B ) ( IV ) as a consumer I have a right to dispute any information in my consumer report. Per 15 USC 1581b ( c ) ( A ) being as though I never authorized Experian to provide any reports to any persons, they are in clear violation of the Fair Credit Reporting Act. Per 15 USC 1681m ( d ) ( D ) as a consumer I have a right to choose what information can be in my consumer report. Being as though this information was not authorized by me it will have to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Experian Information Solutions 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:
It has been 6 months and Experian Credit Bureau is still reporting  XXXX  unknown collection accounts on my credit that were not originated by me. I have tried calling and was transferred to another department in which i was on hold for more than  30  minutes before hanging up and they have ignored my written disputes. My only recourse and this point is to file a complaint with you and your company is hopes i will help me get the situation resolved or it is more ammunition to prove in court that i have tried to get my case resolved.   XXXX  Experian Report #  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 2023-03-02
Company: Atlanticus Services Corporation
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:
15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This companies are in violation of this code 15 U.S. Code 1666b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE REACHED OUT TO NEWREZ/XXXX  TO DISCUSS OPTIONS AVAILABLE TO AVOID FORECLOSURE. HOWEVER NEWREZ/XXXX WASHES THEIR HANDS BY STATING THAT THE INVESTOR WILL NOT ALLOW ANY OTHER MODIFICATIONS BECAUSE I ALREADY REACHED THE MAXIMUM NUMBER OF ALLOWABLE MODIFICATIONS WITH CAPITALIZATION. YET MY LOAN IS ONLY FOR 30 YEARS. HOW CAN I HAVE REACHED THE MAXIMUM ALLOWABLE CAPITALIZATION IF MY LOAN IS STILL THE SAME TERMS. BECAUSE OF THE COVID PANDEMIC MY JOB LOST A LOT OF CONTRACTS CAUSING US THE INDEPENDENT CONTRACTORS TO WORK LESS HOURS. THANKFULLY WORK HAS PICKED UP AND I AM NOW IN A WAY BETTER FINANCIAL POSITION. I AM TAKING RESPONSABILITY FOR BEING LATE ON MY MORTGAGE PAYMENTS. HOWEVER I NOW HAVE THE MEANS TO RESUME MAKING MY MONTHLY MORTGAGE PAYMENTS WHICH IS WHY I HAVE BEEN ASKING FOR MORTGAGE ASSISTANCE. 

I HAVE ASKED FOR PROOF OF THIS MIXIMUM CAPITALIZATION THEY SPEAK OF AND TO THIS DATE NONE OF THE REPRESENTATIVES NOT EVEN THE POINT OF CONTACT CAN TELL ME WHAT THIS MEANS. OR HOW THIS IS APPLICABLE TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
Someone used my information and tried to open an account under my name. I disputed this and also filed a fraud report with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I kept receiving threatening calls that they were going to garnish my accounts. I asked for more information, but they wanted my social security number and I told them I wouldn't provide personal information over the phone. 
I never received anything in writing till I was served a summons. Now they are reporting derogatory account to my credit every 7 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
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: Their investigation did not fix an error on your report

Complaint:
I have been requesting the credit bureaus XXXX, XXXX and Transunion to remove outdated accounts from my report now for over 5 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Florida. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are XXXX others accounts. XXXX was already paid and still showing a balance and the other has no info on who the collector is or how I could attempt to investigate. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-09-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
My SSN last 4 digits XXXX My identity has been stolen.Someone has access to my personal information and has been ruining my credit making outrageous purchases. I have no knowledge of who or what this can be. 

XXXX XX/XX/XXXX bankXX/XX/XXXX Acct # XXXX Amount XXXX Date opened XX/XX/XXXXXX/XX/XXXX ( collection XXXX XXXX XXXX ) XXXX XX/XX/XXXXw XXXX Amount XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Co XXXX Amount XXXX XX/XX/XXXX XXXX XXXX Bank XXXX Date Opened XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My credit score decreased by XXXX points because they reported that my account balance increased by {$1.00} from {$1100.00} to {$1100.00}. I have never missed a payment and they take it out of my checking account automatically so there is no way that it could increase by {$1.00}. Even if it did ( which it didn't ) for Transunion to decrease my credit score by XXXX points is incorrect. I have worked very hard to get my credit increased and I keep a check it daily to see if any changes. I do not want this error to ruin my credit.

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 2023-01-10
Company: EQUIFAX, INC.
State: TN
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:
Account Name : XXXX XXXX XXXX Account Name : TXXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX under these laws accounts must be removed 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2021-09-15
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:
Credit Bureau XXXX, Transunion, and XXXX failed to reply to letters I sent in before on accounts that are being negatively reported. 

I have reached out to them via mail and fax and no reply in 4 attempts.

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 2022-06-18
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Ive had a fraudulent account opened with Chase bank without my acknowledgment on XXXX. An account opened with XXXX XXXX on XXXX. Both companies submitted an Identity Theft claim and both were found that I did not open nor had any knowledge of them being opened. I have since filed police reports & had to contact the DMV, & social security office. The most recent was someone attempted to file an IRS tax refund with my social security number & was recognized by the IRS as fraud on or about XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dear Consumer Financial Protection Bureau, I am reaching out to you once again to express my concerns and dissatisfaction with the manner in which Discover Bank has handled my recent claim for fraudulent charges on my credit card account ending in XXXX. 

On XX/XX/2023, my phone was stolen, leading to multiple unauthorized transactions across my credit card accounts with several banks, including Discover Bank. The fraudulent transactions resulted in a total of {$450.00} unauthorized charges on my Discover account. This crime has been reported to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ), with the event being detailed in the attached police report authored by XXXX XXXX ( # XXXX ). 

Despite this, Discover Bank denied my claim, stating that the transactions were verified via my email and phone - both of which were in the hands of the thieves at the time. Furthermore, they insinuated that I should have reported the theft and fraudulent activity earlier, ignoring the fact that my ability to do so was compromised due to the loss of my phone. 

In stark contrast to Discover 's conclusion, other leading financial institutions such as XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, who also had my cards in the mobile Apple Pay wallet at the time of the theft, have conducted their investigations and unequivocally confirmed that the transactions in question were indeed fraudulent. This leads me to question the rigor and integrity of Discover 's investigation. Why does their conclusion deviate so markedly from those of these other major banks? 

Under the provisions of the Fair Credit Billing Act ( FCBA ), I am safeguarded from bearing liability for unauthorized charges on my credit card account beyond {$50.00}. Many credit card issuers, including Discover Bank, ostensibly operate under a zero-liability policy for fraudulent charges. It appears, however, that Discover Bank has chosen to ignore these protections in my case. 

I strongly request the CFPB to step in and conduct an impartial review of my case. Discover Bank 's refusal to acknowledge the evidence and honor their own zero-liability policy amounts to a violation of my rights as a consumer. Attached to this letter, you will find the police report, evidence of fraudulent transactions, and other related documents for your perusal. 

Thank you for your attention to this matter. I am hopeful that your intervention will bring about a just resolution to this matter. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16
Company: Kikoff Inc.
State: PA
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 called XXXX a few days ago because there was an account that was not mind ( KIKOFF LENDING LLC ). Phone rep advised me to send in a dispute letter included in that letter would be my i.d ss # and utility bill proving my identity and address. I sent them in and called them back and they said they didn't receive the letter. I sent them out certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
See documents attached. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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