BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: MA
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:
Ive sent letters that verified this account is accurate. The months of the year 2021, has different numbers being reported on my consumer report from all bureaus. My report must be held to maximum accuracy by law under 15 usc 1681. After i gave them notice of the errors, my report still shows they did not reinvestigate proper. They are furnishing information knowgly accurate and did not fix my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-24
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was unable to login to my checking with the company Chime. I XXXX customer service and I was scammed from the person pretending to be Chime. He helped me get into my account and transferred my money to an email address and right there I thought things were suspicious, so I said this doesnt seem right Im going to hang up. He told if I do he will suspend my account, so I continued and he instructed me to wait for a form but the form never came and he said must be technical difficulties. 

I told this to Chime and they investigated and will not return my money of {$480.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
late payments remove now!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX These late XXXX must be removed asap, i have reported fraudulent activity due to a security breach in a system that contained my personal information. 
I have been disputing these items since the pandemic and have reported these errors to XXXX, Transunion, and XXXX these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX  where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation!. 
Thank you 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 2023-01-04
Company: EQUIFAX, INC.
State: MI
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 I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXXXXXX XX/XX/XXXX {$3400.00} XXXX  - XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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:
15 U.S.C 1681 SEC 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 
This was violated once late payments started to get reported back XX/XX/XXXX to present XXXX XXXX 15 U.S.C 1681 SECTION 604 A. SECTION 2 : AT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITOUTH MY WRITTEN INSTRUCTIONS This was violated once late payments started to get reported back XXXX XXXX present XXXX XXXX 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This was broken back in XXXX XXXX present XX/XX/XXXX 15 U.S. Code 1692d - Harassment or abuse - ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
This was broken back in XX/XX/XXXX to present XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-10-19
Company: EQUIFAX, 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 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 2023-04-12
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our VA home loan through XXXX was transferred to Mr. Cooper early last year XXXX. Prior to the transfer our loan company offered a COVID-19 pandemic relief option. They said we were able to skip a number of payments at 3 month increments. We were approved for a total of 12 months of no payments in the year XXXX, with the option to refinance or add the payments to the end of our loan with VA approval. We started making our original mortgage payments again in XXXX of XXXX. At which time we were given documents to sign and have notarized for a VA backed deed in lieu of foreclosure. After having the documents returned to us by Mr. cooper three times due to improper signature or notarization, they finally accepted the signed and notarized documents by the end of XX/XX/XXXX. At some point after we waited for finalization, we were rejected for not returning the documents on time ( by the end of XX/XX/XXXX. ) We called Mr. Cooper with proof that the documents were signed and turned in by the due date. The representative agreed and made a request to re-open that claim. After it was re-opened we had to wait to hear back. By that time Mr. Cooper would not accept any mortgage payments from us, despite us paying them monthly for the prior year 's payments ( XXXX. ) Now in XX/XX/XXXX we have been notified that our mortgage is in default and the financial documents we already had singed and notarized were rejected or lost. I called Mr. Cooper today to inquire about opening that claim again. They said that they would do that, however we are not confident that this wasn't a scam to offer us pandemic relief and have us notarize paperwork for adding the {$15000.00} or so past due to the end of our loan. I believe this is a deed in lieu of foreclosure. We have not been allowed to make any payments after XX/XX/XXXX, but we have been storing the payments saved in our bank account. Mr. Cooper, formerly Nationstar, continues to charge us late fees and give us delays. My husband is a 100 % XXXX veteran and I have medical XXXX as well. We can not afford to sell and still maintain a property at the current rates of mortgages, despite having equity. We are able to continue our monthly mortgage payments at the rates we started with from XXXX. Mr. Cooper is threatening us to sell or go into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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:
I received your reinvestigation results and found that you are still reporting inaccurate and unfair information. Your company stated that the information was verified. 
Pursuant to 15 USC 1681 ( a ) ( b ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ). 
It is your grave responsibility to report accurate and fair information. 

Please provide me with your method of verification. Under me requesting your method of verification, I want to know who you spoke to. I want to know if this information was factual. I want to know who you interviewed and who you got it from. You did not interview my neighbors, friends, or associates. If you did, I want their exact name and address and I want a detailed description of what happened. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Ive been denied credit because of what youre reporting. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof as requested, you must DELETE the account listed below. By law, you have 15 days to respond. 


ACCOUNT : Creditors Name : XXXX Account Number : XXXX Please delete Creditors Name : XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX I Account XXXX Please delete Creditors Name : XXXX XXXX XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX Account Number : XXXX Please delete

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 2023-04-12
Company: Account Control Technology, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ACCOUNT CONTROL TECH Report to my credit on XX/XX/2021 in the amount of {$2700.00} with Voluntarily Surrendered license in the state of TN! I would like for this debt collector to delete this account off my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Debt Collections Services are attempting to collect a debt from consumers and Credit Reporting Services without a license to do so in the state of Tennessee.

This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter. 
15 USC 1692XXXX XXXX XXXX XXXX XXXX ID : XXXX Address : 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

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 2022-10-20
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Information belongs to someone else

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 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$190.00} was stolen from my checking account because my wallet was lost, and I provided screenshots to the bank for reimbursement with GPS location at the time of fraudulent charges made to my checking account. These funds were from my SSDI and Im dealing with food insecurity. The bank refuses to refund my stolen funds. I provided screenshots demonstrating the other denied charges the individual made. The dispute # XXXX image proof has been ignored, and I have not received my funds back. This bank used terms such as, if eligible for stolen fund reimbursement my money was my protected by an FDIC bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I wrote the credit bureaus to request that they delete the incorrect personal information from my credit reports and replace it with the correct information. I included my identification to prove my name and address. All of the other addresses do not belong to me or they were previous business addresses that did not belong to me. I have no authorization to receive mail at those locations.

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 2023-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In 2021 the collection agency called to say that I had a debt and informed me that I needed to pay or face being sued by a law firm. I did not receive any documentation to confirm the debt and I am paying every month to Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There is false information on my credit report.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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. 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 non-monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please not this complaint is not duplicate, it's due to new evidence. I'm not using any third party for this matter. 
On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to the credit bureau, and I got a letter from them on XX/XX/2022, stating '' They do not report any bankruptcies to anybody ''. So, if that's the case. How did the credit Bureau verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; XXXX XXXX XXXX  XXXX The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, 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 consumer 's 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. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my XXXX Credit REPORT. Only XXXX has reported this information on my credit history. 
Please note : ONLY TRANSUNION HAS REPORTED THIS ACCOUNT - RECORD ON MY REPORT.

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