BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: OH
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:
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 
ADDRESS XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ACCOUNTS/INQUIRES/ COLLECTIONS XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you. 
XXXX : XXXX XXXX XXXX UCC 1-308

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. 

Account Name : XXXXF Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights . Or list of inquiries 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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
As a federally protected consumer I am now opting out of any and all authorization, I the consumer did not give XXXX, XXXX, Transunion, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, nor XXXX XXXX XXXX my written unwritten verbal and nonverbal consent to furnish my information per 12 CFR 1016.7 ( h ) 15 U.S. Code 6802 ( a ) ( 1 ) ( B ) 15 U.S. Code 1681 ( b ). 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, and XXXX are not maintaining reasonable procedures. I want all charge offs deleted for being certificates of indebtedness and late payments removed for being transactions per the Privacy Act of 1974 5 U.S. Code 552 ( a ). I also want all hard inquiries removed, all phone numbers deleted besides XXXX XXXX XXXX XXXX  due to inaccuracies, have all addresses removed for being a non-mailable address besides XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX, and student loans removed per 34 CFR 99.31 and The Famiy Educational Rights and Privacy Act 20 U.S. Code 1232 ( g ) because my written consent was not given in order for you to release my information. I expect compliance per 15 U.S. Code 6805 - Enforcement

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 2023-12-01
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Upon reviewing my consumer report I noticed several inquires on my report in which I did not authorize. There is a Security Freeze on my accounts which states the following ; " Before issuing credit, call me at XXXX. This process was not done.I was not called.

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 2022-04-11
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX my mortgage loan was transferred to Selene Finance as the loan servicer via notification from my previous loan servicer. To date Selene Finance did not send me a welcome letter or any mortgage statements. I was in the process of loan modification application with the previous loan servicer at the time Selene Finance took over the servicing of the loan. On XX/XX/XXXX I submitted a new loan modification application with supporting documentation to Selene Finance via email to their Loan Resolution Department and did not receive a response. I followed up on XX/XX/XXXX with a second submission of the loan modification application via email as well and no response. On XX/XX/XXXX I received from Selene Finance a notice of default with intent to foreclosure. On XX/XX/XXXX I submitted third submission of loan modification application with supporting documentation, request for mortgage statements and also requested the calculation breakdown of the amount in default. This was submitted via email, fax and certified mail return receipt requested. I have received the signed certified green card from Selene Finance but to date I have not received a response to my numerous requests. It is important that I have a mortgage statement as I am in process of applying for mortgage assistance with the State of New Jersey and they need recent mortgage statement to proceed with the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I started XXXX XXXX in XXXX Illinois in 2007 I only did XXXX because my children grandparents got very sick so I never return next thing I no I was getting billed every month which I havent attended when I started filling out paperwork I thought it was for financial aid from the government all along it was from a third party loan which I expressed to them I have a job I can pay my way the young lady told me the paperwork I was filling out was not a loan and then all of a sudden Im getting bills I never received a school check from them I never received anything and I feel that was wrong and not fair because this been on my report for 14yrs now I cant establish any credit for my XXXX at all because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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 XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, INC.
State: CT
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: Problem with personal statement of dispute

Complaint:
I monitor my credit scored via XXXX XXXX and noticed that Equifax ranking of my credit worthiness had plummeted. I did not sign up for any credit cards, cars, homes or anything that could possibly explain the drop. I went on line and found an email address and phone number. I called and after almost 45 minutes on hold I finally spoke with a rep in another country with limited language skill and other than selling me one of Equifax packages could do absolutly nothing. To date I have spent almost {$200.00} to have various reports and analysis done with NO results ... I just ended a chat session with someone from their web site and was again told to contact the toll free number where I would again spend hours with no help. I asked for an address to write Equifax and was told i had to call customer service. 

Given their lack of security and illogical ways of dealing with issues when brought to their attention I find it dumbfounding that they are allowed to operate let alone be entrusted with something as intimate and vital as someones credit worthyness. 

The only thing that I could see on my report was an inquiry from more than a year ago I didn't recognize and that they have an home I purchased to stay in while in Florida on business and not my home I co-own and have lived in for more than 20 years. Again, I can not find any means to even explain this in writing let alone be so privileged to actually speak with someone from a company doing so much harm to my financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Newport Intermediate Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a XXXX XXXX card from a previous employer. The XXXX card was accessed via XXXX The card had an expiration date of XX/XX/XXXX. 

Today, XX/XX/XXXX at approximately XXXX PT, I attempted to use the XXXX card to purchase an XXXX XXXX order. I received an error message that it was an invalid card. 

I logged onto the website XXXX XXXX XXXX XXXX XXXX and signed in and verified that there was still a balance on the card XXXX XXXX XXXX. 

I attempted to get help via the " XXXX XXXX '' option on the website but also called the company at the number provided. While I was on hold with the XXXX XXXX, I discovered via the automated phone service that my card " had expired ''. I was unable to get on the phone with a live person. This was around XX/XX/XXXX at XXXX PT. 

When I finally got through to the XXXX XXXX on the website, I explained to the representative that I was getting an error while trying to use the card and that it was still XX/XX/XXXX so the card had not expired yet. The representative told me that the card was expired and that I could request a replacement. However the fee to request a replacement card was XXXX and I did not want to pay that fee, as the card had not officially expired yet! 

The representative told me that the card had indeed expired because the card followed XXXX time. I asked the representative to direct me to a place on the website that specified that the card expired on XXXX time. The agent responded that he was unable to provide that, as that information was not stated on the website. He told me to check my card holder agreement. 

I told him that I already had checked my card holder agreement and that nowhere was it stated that the card followed XXXX time. I copy and pasted the only verbiage on expiration dates, which states : " Expiration- The Card expires on the date printed on the front of it. Because funds on the Card expire when the Card expires, you will not be able to use the XXXX after the expiration date and a replacement Card will not be available. '' I pointed out that the card holder agreement only stated that the card expires on the date printed on the front of it ( which is XX/XX/XXXX in this case ) and since it was still XX/XX/XXXX where I am located ( XXXX time ), the card was not expired. 

The agent was adamant that he could do nothing and that my only recourse was to request a replacement for a XXXX fee. I stated that the fee was not warranted because the card is not considered expired under the terms of the card holder agreement. The agent disconnected the chat after that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
I have been contacting TransUnion and XXXX  several time to correct their internal data. They are recording " No record found '' for my credit report because they do not have my first name in their system. If they corrected their data, my name would be reflected accurately : 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 2021-04-01
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this late however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is in violation of FCRA 15 USC 1681b- Permissible purpose which states- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want Experian to Swear under the penalty of perjury they have a written signed letter stating my permission to furnish the accounts mentioned in the attached letter. 

Please Have Experian provide the requested documents and proof that the information reporting on my report is 100 % accurate and belongs to me. I want to know the names, phone numbers, and addresses of anyone they spoke to or contacted during their investigation.

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 2023-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2020-03-25
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: Account status incorrect

Complaint:
I have a car fro XXXX XXXX and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting 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 explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: PA
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting 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:
This doesn't belong to me. 
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 non-monetary relief