BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
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: Information belongs to someone else

Complaint:
When I reviewed my credit report I noticed that there are accounts that are not mine. I want these accounts removed.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, 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 an 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 or 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 2020-04-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020, I applied for a loan modification with Lakeview Loan Servicing subservicing by XXXX. I submitted all the documentation necessary to complete the modification. I called to follow up and they offered a repayment plan for 6 mo in the amount of XXXX, which was clearly not attainable, the agent on the phone said " I'm looking at your financial statement and I do not see how this was possible ''. He then sent the paperwork to the underwriter for a second review. Once again, I called to see the status, they state that I have been approved for a modification which consisted of a repayment plan of almost 1500 per month for the next 6 mo. My original mortgage payment is XXXX and I was having difficulty. I have attempted to reach out to them over and over. I truly feel this is a predatory process waiting for homes to become foreclosed. I'm actually at a loss, I know I meet the guidelines for a modification, they continue to push me aside. This company should be closely investigated before there are more victims than 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 2023-08-14
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: Was not notified of investigation status or results

Complaint:
Violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed. Invalidated information by XXXX was not removed which constitute fraud under both Federal and State Laws. Due to this fact, negative mark are found on any of my credit reports.

Violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Violation of the Fair Debt Collection Practices Act 15 USC 1692g

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 2021-03-04
Company: Synovus Bank
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: Account status incorrect

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: SYNCHRONY FINANCIAL
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
e credit card company put extra charges on my account and will not fix it purchase XX/XX/XXXX {$660.00} returned XX/XX/XXXX XXXX XXXX recharged XX/XX/XXXX {$660.00} pay pal added charge XX/XX/XXXX {$660.00} pay pal added charge XX/XX/XXXX {$660.00} pay pal credit XX/XX/XXXX $ XXXX pay pal credit XX/XX/XXXX $ XXXX They put charges on my account after I disputed a charge and they wont credit me {$660.00} that they charged 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 monetary relief
Consumer complaint received 2021-05-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This Company never show me any WRITTEN STATEMENT with my signature allowing them to furnish ANYTHING ON MY CONSUMER REPORT IN VIOLATION OF MY CONSUMER RIGHT 15 USC chapter 41, This company seems to say they have " transfered/sold '' the debt XXXX has reported and cancelled the debt to receive some type of tax break with the IRS.If my rights are still being violated the CFBP will be a witness in court that i did inform this fraudulent " CREDITOR '' did in fact receive this NOTICE OF FAULT and OPPORTUNITY TO CURE. I HAVE ALSO SENT THIS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, XXXX and TransUnion 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts :XX/XX/XXXX Bankruptcy XXXX I have made contact with the court house and they have reported to never filing a XX/XX/XXXXBankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Kriya Capital, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX2923, Credence resources added a derogatory mark on my credit report. Per My XXXX. 
Upon further research, this account was transferred, sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say its mine. According to the FCRA credence resources has violated my rights as a consumer. And Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: NV
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX  XXXX XXXX   XXXX and XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Uplift, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This was to cover the cost of a cruise which was canceled by the XXXX XXXX. They are continuing to charge me monthly fees plus 31.62 % APR despite the fact that my family has received nothing of any value. The refuse to stop automatically debiting my checking account despite the fact that we were not allowed to take the cruise and despite the fact that there is no money left in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: MN
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:
My report reflects fraudulent inquiries inwhich i did not make and I'm demanding that these unauthorized inquiries be removed immediately. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX  ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX  ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7, ) XXXX XXXX XXXX, ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX (XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I applied for a bank account with HSBC using a promotional link on XX/XX/XXXX. The bank is claiming that I did not sign up via this promotional link and they are unwilling to pay my bank bonus, even though I have met all the requirements. This is common for this bank in particular. The link I applied via is listed below, and I have screenshots and a print out of the offer. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/23 I put in a disputes with Trans union about the bankruptcy reporting on My credit report. XX/XX/23 they responded that the information was verified and accurate. So I wrote the clerk from the bankruptcy court XX/XX/23 a letter addressing the issue XX/XX/23 I received a letter from the court that they do not report to credit agencies. I mailed Trans union a hand written letter attached with the a copy of the court letter XX/XX/23 I called back to tell them that the account was reported in error or they lied because the courts do not report to the credit agencies and to remove it immediately and they still did not resolve the situation I had no problem with XXXX or 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 2021-10-15
Company: DISCOVER BANK
State: FL
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:
I am having trouble with a fraudulent unauthorized charge dispute I am having with Discover Card. I never made said purchase and promptly reported the transaction upon noticing the unauthorized charge on my Discover XXXX XXXX. As of XX/XX/21 I received a Fraud Affidavit form that Discover Card requires I submit. I am compliant and completed the form and mailed the completed form on XX/XX/21. We are fast approaching the 90 day mark and I believe that Discover is dragging out this process as I never made the disputed unauthorized transaction purchase. I am seeking assistance in getting this issue resolved as I never made this fraudulent unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Darnieder & Sosnay
State: WI
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, XXXX XXXX XXXX is violating the law & violating my rights but reporting fraud on my credit reports ( XXXX XXXX XXXX acct # XXXX {$11000.00}. ) I have made several attempts to dispute this fraud. They have not legally validated & continue to ignore my request for legal proof & also send me the documents I requested from them such as ; their tax certificates etc. By law they have to provide all these documents I requested. I have submitted a FTC report & sent to all 3 credit bureaus. Furthermore, XXXX hired a 3rd party Debt. Collector, ( XXXX XXXX XXXX ) That is harassing me, violating my rights even more. This is causing me & my family extra stress & damaging any efforts for future credit. XXXX is violating my Aboriginal American Sovereign rights beyond the US. Statutory laws. ( XXXX XXXX United States Department of State on XX/XX/XXXX XXXXwitnessing signature of the Secretary of State XXXX XXXX [ Executive Branch ] and the witnessing seal of the United States federal Government [ form 06013144-1 ] based on Article 4 [ Authentication ] & Article 6 [ Supremacy Clause ] of the United States Constitution, both Articles being based on International Law in full accordance with CFR 22 131.1 & 131.2 and in accordance with USC 4 Section 42 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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:
The vehicle was a total loss on XX/XX/2023 and was reported. The insurance company of the vehicle paid {$12000.00} and now I have been waiting for the gap insurance from us auto to pay the remaining. The problem is us auto went out of business and its reporting that I missed a car payment on XXXX, XXXX Since XX/XX/XXXX, when my car was totaled I am not required to make any more payments. Can you please help me get this resolved on my credit report. Thank you kindly

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 2020-04-10
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
hyundai blames me for the dealer paying off my car 3 weeks late I traded the XXXX XXXX in two days after the payment was due. The dealer paid off the XXXX XXXX three weeks later I didnt even have ownership of that suv. The dealer gave an excuse of that there was a glitch in the processing of the loan.

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 2022-12-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 2023-03-07
Company: Experian Information Solutions Inc.
State: VA
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 noticed unauthorized inquiries on my report and contacted the credit bureaus to state that I believe someone applied for something in your name. 

I informed them that according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed from my credit report. 

I informed them that I filed a report stating that the items were fraudulent. 

After multiple requests, the credit bureau has not removed the hard inquiries from my report. 

Additionally, there is a fraudulent motor vehicle loan account from XXXX on my credit report. The same scenario has applied.

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