BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has indeed violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX 15 USC 1666B ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

16 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.

1681 a ( 2 ) A ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

According to the FCRA, late payments should not be reported as negative information. I have discovered multiple inaccurately reporting late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms.

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 2023-02-25
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been communicating with my mortgage company in regards to a loan modification. They have been stalling and adking for documents previously emailed and uploaed to their portal. There are no direct point of contacts to the loan modification department. Regular customer service agents are relaying information between the consumer and loss mitigation department. I have not defaulted on either mortgage yet, but I am want to avoid credit ramifications as they are taking their time processing my review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Information belongs to someone else

Complaint:
I went to look at my credit because I need to start helping my mom pay for your medications. I went to the bank and they denied me and stated I have too much debt. So I went back to look at my credit throughly and saw some things on there I dont know where they came from. I was told you all can help me. Im doing this on my own and would like for all the remove these items. I reached out to you all about two weeks ago and havent heard anything. Please have the credit bureaus to take these accounts off my credit 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: DISCOVER BANK
State: IL
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 made a purchase in XX/XX/2023 but did not receive the service I paid for I tried to solve the issue with the company they laughed at me they were very disrespectful so I disputed it with my credit card company which is Discover card I put in a dispute I asked them could they request the recording they told me yes after they closed the first dispute not ruling in my favor I called them and they denied telling me that it was on a recorded line I re opened the dispute and supplied my documentation they have again closed the dispute i know they are not reviewing my dispute properly I have been robbed of my funds charged for a service I did not receive I would also like to file on the company I paid as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I

n 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. 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 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX of the XXXX XXXX creditor XXXX formerly 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  All has violated my rights. 

15 U. S. C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. 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 2021-03-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I sent the customer relations department the following secured message : " I will be traveling to the state of Nevada ( XXXX XXXX and surrounding area ) beginning XX/XX/XXXX through XX/XX/XXXX. Please notate my account accordingly. Thank you. '' That same day I received an automated ( canned ) response from the credit card company that said the following : " We appreciate the opportunity to assist you and hope the following addresses your inquiry. 

Our Fraud Early Warning department can customize a travel suppression to accommodate your needs while traveling. Please contact Customer Service at the phone number shown at the bottom of any Account Online screen within 24/48 hours of your pending travel. When you call, a representative will ask you for the following information and can discuss international or foreign fees : 1 ) CARD NUMBERS YOU WILL BE USING 2 ) WHEN TRAVEL WILL BEGIN 3 ) WHEN TRAVEL WILL END 4 ) WHAT STATES WILL YOU BE USING CARD 5 ) ESTIMATED TOTAL AMOUNT YOU WILL BE CHARGING 6 ) ESTIMATED NUMBER OF TRANSACTIONS 7 ) PHONE NUMBER WHERE YOU CAN BE REACHED. 

We trust that our response has addressed your inquiry. If not, please reply to this message or contact one of our Customer Service representatives at the phone number shown at the bottom of any Account Online screen. '' I responded advising the company that I had already notified them of the specific dates and location of my travel. And that it is unknow to me what amounts I will be charging, nor the number of transactions I will be making. It is my assumption that I am permitted to use the credit card in a fashion that I see fit to within the limits of my available credit. 
Citi Bank has refused to assist me with this matter and is requiring me to speak to them personally. This is something that is very time consuming and a simple notation should be permissible on my account using a secured message portal on their system. This company continues to refuse to address my legitimate concern and I am filing a formal complaint against them with your office in order to have my legitimate customer service matter addressed.

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 2023-11-13
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Sent application income to my mortgage company. Called to check on my request. 
I was told by customer service my request and documents were not being processed. 
but they did receive my papers XX/XX/XXXX, XXXX XXXX, XXXX XXXX. Spoke with with customer service to give my hardship and financial information. Called XXXX XXXX, XXXX. 
was told by XXXX Loss Mitigation they were not processing my mortgage assistance request. The mortgage company is trying to make me lose my house to foreclosure by not processing my paperwork. I got behind on my mortgage when my wife died of XXXX XXXX XXXX XXXX. I did not receive foreclosure letter form foreclosure attorney for this sale date of XXXX XXXX, XXXX mortgage company told me I had a foreclosure sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: VA
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:
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 items, 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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 have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from 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 non-monetary relief
Consumer complaint received 2023-11-13
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received an alert that OneMain Financial had pulled my credit. This was not an inquiry that I was familiar with and I did not authorize this. I called the company to file a fraud report. Apparently there was already {$15000.00} withdrawn under my name. They clearly do not have sufficient fraud control in place to monitor this. I filed a police report today and will be proceeding with the fraud report with OneMain Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, XXXX MT, I initiated a call to PayPal to discuss an inapp notification I received about my billing address being incorrect. 

I had a simple request : tell me what address was provided by the merchant when they submitted the transaction. 

The first customer service rep I spoke to ( rep 1 ) said they couldnt help. I then asked them to transfer me to their fraud department who would have more visibility into XXXX. They proceeded to place me on hold for over 20 minutes only to be transferred to their supervisor ( rep 2 ). Rep 2 reiterated they couldnt help and proceeded to transfer me yet again. I waited in hold an additional 30 minutes. When rep 3 answered the phone they had not been correctly told what my call was about and were simply told I demanded a supervisor ( not true ). Rep 3 then went on to tell me debit cards do not use addresses to be verified and they just work. They continued to tell me they werent going to do anything to help me because cards dont use addresses after theyve been delivered. They then hung up on me. 

Im not sure how PayPal pretends to be legitimate financial institution when their representatives are not properly trained in how financial systems work.

My question remains. Both the merchant and I agree that the address we have matches what PayPal expects yet PayPal disagrees even though the address matches my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. 


The following account is not mine XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4500.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$560.00}, Original Creditor : XXXX XXXX XXXX XXXX ) Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2600.00}, Original Creditor : XXXX XXXX XXXX ) Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$130.00}, Original Creditor : XXXX XXXX XXXX XXXX ) Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$120.00}, Original Creditor : XXXX XXXX XXXX ) Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$24000.00} ). Please remove it from 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 non-monetary relief
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me in the amount of {$730.00}. ( account # XXXX ) A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires PHYSICAL verification of an original signed consumer contract and not an electronic or E-oscar verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records to which I have recieved verified as accurate without recieving the documentation that I have requested which is a violation of federal law.

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 2023-10-14
Company: R & B Corporation of Virginia
State: VA
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've tried to get them to correct the information on my credit report for multiple of the collections. They are not consistent across the 3 credit bureaus and do not hairy the right amounts or dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
my contract expired XXXX XXXX, 2021. I have been trying to receive a new loan to date ( 15 months ). I have complied with all requirements and no decision has been rendered. I continue to respond to scheduled telephone calls and there is never any final decision. 
I was given a modification loan in XXXX and was told the signature of my XXXX  was needed. We are divorced and all paperwork is with PHH indicating she is not on the loan.

PHH reps is not communicating with me to give any updates. I continue to give them the necessary paperwork with no decisions rendered.

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