BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have been disputing with transunion for the last few months about an alleged bankruptcy. Transunion have been in violation of many consumer laws. According to the FCRA Transunion have violated 15 USC 1681e ( b ), 15 USC 1681a ( 4 ) and 15 USC 1681s ( 2 ) ( 3 ). According to the FCRA all information on my report should be 100 % accurate. The credit reporting agencies need as respect my privacy, I didn't give written consent to anyone to report a bankruptcy. Lastly I have disputed the validation of the bankruptcy but the notice has not been placed in the comment section

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 2021-10-08
Company: SYNCHRONY FINANCIAL
State: WA
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 rented a car in XXXX through XXXX. When I arrived it was not the car I rented. The man at the counter took my card literally from my hand and charged me anyway. I complained obviously, and he laughed and said he would charge me even more when I returned it. This location has over 400 reviews and their rating is 1.2 stars. They are known scammers, read the reviews of XXXX at XXXX XXXX. 

The charge fell off after 7 days. I returned the car, but not before blocking my XXXX card and telling XXXX through messages and calls to allow no charges. I returned the car and XXXX attempted a charge but it was denied ( rightfully so, I blocked all charges ). 

I called XXXX and made them aware and did that with 2 supervisors. I cancelled the card and issued a new one. At no point did I release the block on my account. I have no reason to - the new card is in the US and I was in XXXX. 

XXXX then allowed a charge from the merchant to go through, this time three times the amount. My account was blocked and frozen and no charges should have gone through. I confirmed on XX/XX/XXXX when I called and two different supervisors said there was " no way they could charge you with a new number and a frozen account. '' Lo and behold, a {$1200.00} charge shows up. 

The XXXX  Fraud Supervisor XXXX ( see screenshots attached ) who I talked to on XX/XX/XXXX refused to give me the timestamp of the large charge XXXX allowed to go through on a frozen account after I told them a merchant would attempt fraud. They will not mark it as fraud and only said they would dispute it. 

However the issue is with XXXX allowing the charge in the first place. I am not disputing it because it is fraud, of which XXXX is explicitly complicit. 

This is simply a record of my attempt to have XXXX  graciously fix their issue in allowing the charge before I file with the courts which I promise to do, as I have been stolen from, XXXX knew it, and allowed and and facilitated it.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
They have violated my rights to privacy I have not provided written consent for them to furnish my information to anyone.

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 2023-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according with the fair Credit Reporting Act XXXX  Account 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 furbish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: NAVY FEDERAL CREDIT UNION
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:
I have experienced a great level of distress from dealing with Navy Federal. It is deeply concerning that two accounts was opened using my personal and business information without my consent. Understanding the severity of the matter, I promptly contacted the authorities, obtained a police report, and reached out to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for assistance, the BBB, Attorney Generals office, mycreditunion.gov. However, despite all my efforts, Navy Federal has displayed an alarming lack of cooperation by refusing to remove the accounts from my records. 

The repercussions of this fraudulent account have greatly impacted various aspects of my life. I have been unable to secure job promotions and endured great embarrassment from management. I haven't been able to purchase a home due to the tarnished credit caused by this unauthorized account. I pay a higher interest rate even with superb credit history. Seeking resolution, I reached out to Navy Federal directly, informing them that I had never opened an account with them. However, their response was far from satisfactory. They asked about any emails that could confirm the account, and when my personal email accounts didn't yield results, I provided them with an email associated with my former business called XXXX XXXX XXXX. the email was a free general mailbox for customer complaints and vendors. Astonishingly, this email turned out to be the correct one, indicating that someone had accessed and misused my personal and business information. 

To my dismay, the representative informed me that there was nothing she could do to assist me, alluding to the numerous complaints I had previously filed. And suggesting the email was verification of debt. Adding insult to injury, she abruptly hung up on me and reset the account for another seven years, prolonging the impact on my credit even though it was due to expire soon.

Given the gravity of these events and the negligence displayed by Navy Federal, I urgently seek help in having this fraudulent account removed from every credit file I possess. It is imperative for me to move on with my life and regain the financial stability that has been unjustly compromised. It is my hope that those in a position to rectify this situation will recognize the urgent need for immediate action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 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 2021-10-07
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX is reporting correct except there are some blank spaces on some months that need to be marked ( ok ) not blank. We have never missed a payment or late. 
Factual inaccuracies dates are not consistent with other agencies. Term of loan is blank on equitable and need to be fixed XXXX and equifax are the ones that are missing correct reports this needs to be fixed asap. And reflect on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: National Credit Adjusters, LLC
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 do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported. Please provide the information or take this account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: PNC Bank N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Was involved in identity theft and my checking account with PNC Was compromised and in the time it was comoromised $ XXXX was moved through it and when i noticed this, i immediately call PNC to report this. Upon completion of report i was told theh would reach out if any additional info is needed. They closed my account and put some kind of restriction that prevents me from opening an account with any other financial institute. This is very fraustrating given that i noticed the irregularity reported it and yet i get penalised for it. Ended filling a police report which was approved. Now hoping PNC can remove this so i can open my saving accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I sent to two of their emails two full and complete applications for mortgage assistance, on the XXXX of XXXX and the XXXX. When I called in to check since they said five days, I called over a week later to be told that one email was not being monitored and they see no application what so ever being sent regardless of my mailbox saying it went through. told them I tried to do the application on the web site but it kept saying error to their response we are aware been having issues with the system. They then asked me to fax it, this was XXXX days before XXXX XXXX. I tried but would not go through. I am then told their systems had been hacked and at the same time I discovered that my bank account had been breached and my bank put my account on hold once I mentioned the situation with loancareXXXX XXXX XXXX I could not have my account bank up and running until I got my new card. I tried to call the company but now all lines are down. I called because I had my payments set up but now would not go through because my bank account was hacked. I attempted on the XXXX th of XXXX to do the application on line and it appears they said they would contact in XXXX days I also resent it again for a third time the whole application for assistance to the email they said to send it to. Weather or not their hack has anything to do with my bank account breach I dont know but at this moment I need to have this on file with an official complaint

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 2023-12-03
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I been trying to make my XXXX and XXXX payment since XXXX XXXX and I cant get a hold of anyone lines are down, emails arent working. Im going crazy. I dont want to loose my house. I saw in news, social they have been down due to attack. Its XXXX that makes XXXX payments and I can not loose my house I have been trying to make the payments. Call every day, I cant log in, Im just going crazy.

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 2022-02-27
Company: EQUIFAX, INC.
State: CA
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 Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX, US BKPT CT 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received notification from my insurance company that my homeowners insurance policy had lapse due to my mortgage holder 's, Flagstar Bank, lack of payment. On XX/XX/XXXX I called Georgia Farm Bureau and had a three way call with a representative of Flagstar bank to make sure my information was entered correctly for payment. Flagstar assured us the payment would be sent to the provided address via FedEx overnight shipping since the policy was over 30 days late. On XX/XX/XXXX I received another notification from Farm Bureau stating my homeowner 's insurance had lapse again and my insurance agent had called and again requested an overnight check. I called Flagstar to get the information for the tracking number but was told the check was sent via USPS Non-Priority mail to the incorrect address. When I requested to cancel the check and send a new check via overnight I was told this was not possible. 

During this process I requested the homeowners insurance be removed from Escrow so going forward I could handle payment since Flagstar is obviously incapable. I was told to remove the homeowners insurance from my account I would have to pay a fee of .25 % of my total outstanding house loan. Flagstar 's inability to handle their basic escrow responsibility and charging me for control over my own money is an unethical attempt to control assets that do not rightly belong to them. I am appalled at the level of service I have received and, if given the opportunity, I would move my entire mortgage + escrow accounts to another entity.

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 2021-10-07
Company: Receivables Performance Management, LLC
State: AZ
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:
There is an invalid debt collection from Receivables Performance appearing on my credit report. 

My contract was up with XXXX, so I went to a XXXX store to get an inquiry on an account with XXXX for a phone replacement and possible service. After receiving the quote, I spoke with XXXX to cancel my existing service. On this call, XXXX made a better offer so I decided to stay with XXXX. I never activated the XXXX or account nor did I get a phone with them that day, but I notified them anyways that I wasn't going to be switching carriers, and I thought it was done. Approximately a month later, and to my surprise I received a bill in the mail from XXXX with my middle and last name. This account showed that it had not been used at all, there was no device activated and in the 30 days the account was activated, no phone calls or text messages were sent, nothing. At that moment I called XXXX and explained the situation, the representative assured me that she would delete the account. 30 days later I received a second bill with the unpaid balance and a new bill for the current month! At that point I went into the XXXX store to speak to the manager, he reassured me again that he would take care of it, but never did. Then, I see a collection pop on my credit reports regarding this invalid debt. This account was opened without my consent, even after I notified XXXX I was not going with their service, and now its hurting my credit. I was well within my right of recision for cellular service, I never activated a device or service. It was obviously an error on their part and I demand this collection be removed FULLY from my reports.

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 2021-10-07
Company: EQUIFAX, INC.
State: MA
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:
My XXXX student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. 
After filing, XXXX was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX, US BKPT CT 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.

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