BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy.

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of Hard Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Hard Inquiries that needs to be removed. 
XXXX XXXX XXXX XXXX, XXXX. Someone hacked into my account and tried to apply for a credit card, XXXX XXXX XX/XX/XXXX, Someone used my SS to try to apply for a credit card. 
XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX  XX/XX/XXXX not mine XXXX XXXX XXXX  XX/XX/XXXX not mine 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2017-04-10
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In addition to repeated and frequent calls, when I have reached out to them as well as the original debtor ( XXXX ), Trans world systems has continued to lie to me, telling me that I HAD to make payments to my account ( even though they have set up 2/3 debt collections from my Military Pay as well as taken 100 % of my tax return ). 

When I was told to file for hardship paperwork ( in order to get the 2/3 's debt payments reduced ) by the original debtor through Trans world, I contacted trans world and was told that they do not have hardship paperwork available that I would have to make payments to them only. 

I called the original debtor back and told them and was told that Trans world is lying to me and that I needed to call again to get the hardship paperwork sent to me. My contact at Trans World is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or XXXX XXXX. XXXX XXXX XXXX, PA XXXX Or Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX ACC # XXXX XXXX {$180.00} XXXX XXXX charge off {$4800.00} XXXX XXXX XXXX XXXX # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-02-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Bread Financial 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: Reporting company used your report improperly

Complaint:
XXXX RAN MY CREDIT ON XXXX WHILE I HAD A FRAUD ALERT THUS CANCELLING TWO APPLICATIONS FAILED. I WANT BOTH INQUIRIES REMOVED SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 XXXX pm Called Chime to dispute charges on my checking account and card builders account! 
They went into account transfered all my money from chime saving was {$7.00} credit builders XXXX and went into my XXXX XXXX account that I had linked to there bank took {$490.00} all of it was transfer into a $ XXXX pay XXXX account who I don't know didn't give them authorization to transfer funds. CHIME WILL not refund me my XXXX XXXX tried XXXX XXXX a stop payment on I called them for help the funds had already been transferred. I WILL BE FILING A POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was victim of Declared Natural Disaster : Hurricanes Irma, Maria and XXXX XXXX Earthquakes and COVID19 Pandemic I was not elegible for some assistance and that reason I was unable to still making payment. I have medical condition and request the Federal Forgiveness for Declared Natural Disaster Victims or any medical forgiveness. I request closed and removed from my credit report the derogatory marks. Multiple times I dispute at XXXX 1 was closed and removed but the other 2 still open with new collector. XXXX and XXXX still 3 derogatory remarks. Please help me to recover my credit as per elegible FRCA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ
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 am filing this grievance as I had my credit pulled and was surprised to see a collection from BERLIN WHEELER still reporting to the credit bureaus which has dropped my XXXX  scores significantly. I was alerted to this collection by my credit monitoring site. I received no phone calls or contact via USPS mail to confirm this collection was mine or valid prior to it updating with the credit bureaus. In hindsight, due to this I did not obtain the full statutory period in which to dispute the validity of the debt in question as I did not receive any initial communications/notifications regarding the debt. I reached out and addressed the balance in good faith with the intent and understanding the collection was going to be deleted from the credit bureaus, yet it was only updated to paid status which in turn did not restore the XXXX  points I lost ( over 100 points ). This collection must be removed from the credit bureaus post-haste due to erroneous collection practices & dishonest communication. Timing is of the essence. 



cc : FCC

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 2022-12-27
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an account Statement onXXXX dated XX/XX/2022 from Truist for a checking account I did not open and that had expenses for maintenance fees deducted against the account. When I tried to contact Truist they repeatedly asked for my social security number which I would not give them and then instructed me that the only way I could resolve this fraud was to appear at a Truist location in person which I refused and asked to speak to a manager. After my request to speak to a Truist manager the phone was hung up by the Truist customer service rep.

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 2017-04-10
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have recently received a certified letter from my mortgage lender indicating that I  may  be foreclosed upon soon. However, for the past 5 years I have been in a Chapter  XXXX  bankruptcy and all payments have been made through the  Trustee, who by the way has been attempting to MAKE the mortgage servicer Ditech  refinance my loan due to the high interest rate, however they continued to indicate the application was incomplete and refused to refinance. I have a statement from a month ago indicating that my loan was not only up to date but paid ahead, and I have an email from my loan servicing stating verbatim, that they doubled my escrow account balance when they put the loan on their system and they owe me over {$12000.00} and was supposed to send me a refund, therefore, I asked my attorney to dismiss my bankruptcy, which he did. Not more than a week later, the loan servicer reversed all payments from the account and according to my online access they state I am past due over {$43000.00} and they have recently sent me foreclosure warnings. I have telephoned them over the past few weeks and spoken with representatives over a recorded line at work where all calls are recorded where they have admitted that someone has done something wrong and needs to be corrected, however I just received a certified letter from the lender,  Ditech  with regarding to possible foreclosure. In addition, in that same week after they reversed all payments they updated my credit report as being past due on my home loan and my score dropped from  XXXX  to  XXXX . In addition, they claim they have advanced {$44000.00} but no one can tell me to whom they paid these funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: SC
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 2023-05-02
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:
I am writing to request an investigation and removal of certain information from my credit report based on the following provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations : 15 USC 1681A ( d ) ( 2 ) ( A ) ( i ) : This provision excludes from credit reports any information solely related to transactions or experiences between ( I ) the consumer and the person making the report.

15 USC 1801 : This provision establishes the policy of Congress that financial institutions ( person making the report ) have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information.

15 USC 6801 : This provision reiterates the policy of Congress that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information.

15 USC 6802 : This provision prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless they provide or have provided a notice that complies with section 6803 of this title.

Based on these provisions, I believe that the following items on my credit report are in violation of the FCRA and should be removed : XXXX XXXX : All information including and/or related to late payments XXXX XXXX  : All information including and/or related to late payments XXXX XXXXXXXX : All information including and/or related to late payments XXXX XXXX  : All information including and/or related to late payments Inquiries : All I kindly request that you conduct a thorough investigation into these items and, if found to be in violation of the FCRA or other applicable regulations, remove them from my credit report. Please provide me with written confirmation of your investigation and any necessary updates or removals to my credit report. 

Thank you for your prompt attention to this matter. I understand that under the FCRA, credit reporting agencies must complete investigations within 30 days of receiving a dispute. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: NAVY FEDERAL CREDIT UNION
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I received an email from XXXX XXXX that my Navy Federal Credit card was closed. I did not receive any notice about my account being closed and I paid {$120.00} on the XX/XX/XXXX for my credit card payment. I received a backdated letter on XX/XX/2023, but the letter was backdated for XX/XX/2023, that my APR would change to 18 % interest rate. The letter also stated that I needed to make 6 consecutive minimum payments on time for APR to go back to the original payment and if not, I would continue paying the 18 % interest if I don't pay on time. Also, I received a backdated letter for XX/XX/2023, stating the account had been closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have requested that the credit reporting agency correct my address and I was told I need to contact the credit company. I have contacted them and they have done that, but I believe it's the responsibility of the credit reporting agency to have correct up to date personal information on my credit profile and remove things that don't belong to me. So far they have failed to do so.

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 2017-04-09
Company: LEXISNEXIS
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Lexis nexis consumer reporting reported a bankruptcy to all XXXX credit bureaus that has been dismissed I disputed with them they state they verified the bankruptcy with the court. They provided False information I have enclosed a letter from the courts that they Do Not Verify Bankruptcys with credit reporting or anyone nexis lexis provided False information to me and Violated the Fair Credit Act I want the bankruptcy deleted from all XXXX credit reports XXXX XXXX and XXXX and lexis nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX  Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my Transunion consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX  for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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