BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-17
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:
It should be known that this complaint is filed against TransUnion, XXXX, and XXXX for reporting information on a account that has incorrect and invalid/ incomplete information on it which violates the FCRA and due process of federal law. The account is called XXXX XXXX XXXX. and the account number is XXXX. A dispute was filled with all 3 bureaus and all 3 bureaus verified the account info as correct. No other disputes are pending with the bureaus for this account. Said errors and discrepancies are as follows : 1. Date closed is missing on all 3 Bureau reports. 2. Date of last activity is missing on all 3 Bureau reports. 3. Date of last payment is missing on all 3 bureau reports. 4. Account type is missing on all 3 bureau reports. 5. TransUnion reports under account status that account is open. This is a closed account sent to collections and purchased by a collection agency. This account is not open and should not show as open by TransUnion. 6. TransUnion also reports under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. TransUnion also has failed to remove any codes or remarks from the account since the dispute process is over and no other disputes are pending. That is mandatory to delete said information and TransUnion has failed to do so. 8. XXXX reports on the account under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct also. 9. XXXX also has failed to remove all codes and remarks about disputes from the account since no disputed are pending. 10. XXXX report shows account is disputed. Contrary no disputed exist with them either. They were obligated to remove all codes and remarks about disputes once my dispute with them was concluded. A copy of XXXXsumers smart credit 3 bureau report is included in this complaint so all errors can be seen.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the Fair Credit Report act, 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother and father were both on a mortgage with XXXX/ XXXX XXXX My father passed away in XXXX. When we inquired about mortgage insurance. We were promptly told that theirs expired a year prior to my father 's death. The initial mortgage was {$830.00} and the interest rate was well over 21 %. With much haggling the reduced the mortgage payment to {$300.00} with an interest rate of 7.7 %. Throughout all these years they never did assignment or any paperwork pertaining to the mortgage until I asked them for a copy of the mortgage and the note. The then sold the loan to Bayview Loan Servicing LLC. The loan is a 30 year fixed rate mortgage. Upon transferring it to Bayview, we were told that it is now a daily interest loan. The bill says that the {$300.00} payment is all going to interest.. My father passed away in XXXX. XXXX just filed some assignment paperwork to them from my dad and the old mortgage company. My mother 's name is not on The documentation. His name is even spelled incorrectly. They further filed an assignment from XXXX to Bayview loan servicing all on the same day XXXX. I have no way of knowing wether my parents had mortgage insurance. My mother has XXXX, my father is deceased, and XXXX never would produce any focumentation. My parents only income at the time was social security. With my father now deceased my mothers income is only half of what it was, I believe my parents are victims of predatory lending. Something very sinister has gone on here. I have to speak for my mom because she ca n't speak for herself. I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, Equifax has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Equifax has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : 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 2020-03-10
Company: CITIBANK, N.A.
State: NV
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:
I have made repeated attempts with Macys Credit Card Services at having the balance removed from my account as all the purchase were made by a third-party. Macys Credit Card Services repeatedly told me that the balances would be removed and transferred over to the third party but to this day it has not. Numerous telephone calls were made with Macys Credit Card services, the third party and myself to rectify the matter to no avail. Third party acknowledged repeatedly that all charges were his and to remove them from my account and add to his. Macys Credit Card services stated that I had over paid my account by {$1600.00}.

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 explanation
Consumer complaint received 2018-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
A request was submitted to have my information updated by this Bureau on several occasions, my personal information has not yet been updated properly. I submitted all documentations to prove that my request was valid, i also uploaded a copy of how my information appears when i do check my report. Below indicate exactly what my request was. 


Date : XX/XX/XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX To Whom it may concern : I am writing to update/correct my personal  information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Please update my name to : XXXX XXXX XXXX XXXX, as it is on my social security card, XXXX and XXXX are two middle names please update. 

My only social security number is : XXXX. 

My only and correct date of birth is XXXX. 

MY only employer is : XXXX XXXX. 

I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses of my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 


Sincerely, XXXX XXXX XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence

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 2022-03-18
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2023-07-05
Company: Experian Information Solutions 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2022-12-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: ME
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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 been trying to work with this account for the last 9 months however, I was never given any update or information of the results of the disputes I have submitted. This is a violation of my rights as a consumer. The account information is showing inaccurate informations, invalid account numbers and asterisk dont match or correspond to creditors also Re adding or re aging accounts this is violation and must be notified.

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 2023-11-16
Company: EQUIFAX, INC.
State: VA
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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 was charged for items I did not order or receive. Amazon store card has been contacted many times but still show an outstanding balance. I reported the fraud and closed the card but I am still getting emails stating that I owe money.

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 2023-11-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I wrote already a letter to Equifax and XXXX regarding personal information incorrectly reporting on my credit report but I've never lived or associated with the addresses they are reporting. I want these addresses that they're reporting removed from my report.The only address that I have lived at for the past 12 years is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. The incorrect addresses that they are reporting are as follows : For XXXX they're incorrectly reporting this addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
For Equifax they're incorrectly reporting these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Lastly, for XXXX they're reporting my name inaccurately as " XXXX XXXX '' and I don't go by that name at all. Please have someone look at this. I made an FTC report and I sent to each agency after instructed to by them and nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: TX
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:
I asked the credit bureau to do a verification of everything on my credit report. They did, and stated that everything was accurate. I did a thorough research of my own and found improper inaccuracies on the credit reports, even after they did their thorough research. 

In accordance with the Fair Credit Reporting act, the following : XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
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:
XXXX and Equifax said that they're already DONE doing their secondary investigationon those disputed COs that were issued on my credit files. They said they have confirmed it with thefurnishers of the information. BUT upon checking my updated credit report today, they didn't even update their comments or remarks from it. It was all the same old comments that they've had in my past credit reports. It only means that they have NOT really done any investigation after all. If they really talked and confirmed it with the creditors, they should've deleted these accounts in the first place because they have added these accounts on a wrong credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: BANKERS HEALTHCARE GROUP LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
After a lifetime in the military we found the last home we'll ever buy. Got a personal loan from BHG for renovations intending to refinance the mortgage once done. Well, supply chain issues, cost increases, gas tripled, etc., so budget ran thin. Used credit cards to supplement the budget and called BHG to refi the personal loan and consolidate the credit card debt. They said our revolving credit utilization was too high so we didn't qualify. But, they said we could qualify for a business loan snd business credit card ; I said we aren't a business, we have no business license, no business accounts. The salesman said not to worry, just " say '' we have a business. He said use the business loan and credit card to pay off our personal cards, bring down the revolving credit and then we could qualify to refinance the personal loan and consolidate everything. We were desperate to streamline and were out of options so we took the deal. Used the business loan and card to pay off personal debt as BHG advised us to do, waited until credit bureaus reflected and my score was up, and called BHG to refinance. The salesman said they couldn't help us, " we can't refinance the personal loan to payoff business debt ''. Seems they misled us, now we were stuck with debt we could barely afford. A couple months later we took in my brother-in-law who has XXXX ; his wife died of XXXX. We also took in our granddaughter and are now raising her. Tried explaining to BHG that we can no longer afford all of the debt they conned us into. We proposed a settlement to which they demanded no less than 150 % of the original balance paid over a additional 91 months! We're ar a loss as to how a company can so openly exploit borrowers, taking advantage of an economic climate that has people desperate just to survive. At this point we're facing bankruptcy since BHG won't work with us. And now they have debt collectors harassing us. We're hopeful the CFPB can help, maybe the XXXX, SEC or some other regulating body. A lifetime of service to the nation and taking care of so many in our family that are in need and BHG doesn't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt collector is falsely reporting the dates of this debt to the credit bureaus. They have reaged the account and need the original credit card debt information. This account should be at the statue of limitations but they have purposely changed the date to make the account look new when it is very old. I have tried to dispute this through the credit bureaus already without success to get the accurate information reported. Credit was opened in XXXX. I have emails with the date from that account.

Company response to consumer: Closed with explanation