BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
These accounts are have supposedly been investigated & re-investigated and they are still inaccurate and some even keep coming off and reappearing, this is ridiculous and I still havent received proof in the mail that a proper investigation or re-investigation was done by law According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX  account # XXXX XXXX XXXX XXXX accounts # XXXX and # XXXX If you cant provide proof by law as listed above, then by law you are required to IMMEDIATELY AND PROMPTLY DELETE THESE ACCOUNTS FROM MY CREDIT REPORT PERMANENTLY

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  the following accounts/ inquiries have violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 ( a ) states that I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have asked several times that these closed accounts to be removed asap.

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 2023-02-18
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IVE BEEN A VICTIM OF IDENTITY THEFT, SOMEONE WHO STOLEN MY IDENTITY OBTAIN A LOAN WITH XXXX XXXX XXXX Original creditor : CHRYSLER CAPITAL OPEN ON XX/XX/2018 IVE TRIED COMUNCATE WITH THEM REGARD THAT FRAUDULENT ACCOUNT NEVER GOT A RESPONSE FROM THEM. I WROTE LETTERS AND HAD TO MAKE A POLICE REPORT MAIL IT TO THEM AND NEVER GOT A RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dispute for account ending in XXXX : Fraud Claim Denial Transactions : XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} Total Fraud Scam Amount {$3000.00} Prior to the holidays for XXXX I attempted to make a purchase online from XXXX XXXX Unfortunately, I was somehow redirected to a fraudulent 'look alike ' website. Upon checkout my transactions was declined. I was advised to call a support number for assistance. The number offered was XXXX. I called the number and was greeted by an individual claiming to be with XXXX. The individual asked for my debit card information again in an attempt to reprocess the transaction. Again the charge was denied. I was instructed to use my debit card for gift cards and they would convert it back to cash to compete my purchase. They suggested due to the large dollar amount it may be the reason for the difficulty. I complied and later learned that I was a victim of a common and elaborate scam. I immediately contacted WSFS to report the fraud. The woman that I spoke to said this happens all the time and can't count the number of customers that come into the bank to report similar scams. We proceeded with the Fraud claim and I awaited the banks response. On XX/XX/XXXX I received a written response from WSFS that my fraud claim was being denied. It also states that I am permitted a copy of the investigation that led to the fraud claim denial. I requested a copy and after the required 30 days, WSFS failed to respond to my request. WSFS did not adequately protect me as a consumer, they suggested if I had " more money '' with them that my claim would more than likely been accepted and my funds reinstated. I was not adequately protected, WSFS failed to provide basic fraud security, WSFS failed to perform an adequate investigation, WSFS failed to attempt to recover funds, WSFS failed to provide written supporting information relied upon in making its determination to deny my fraud claim. If WSFS was aware of these fraud scams, why did they fail to protect me or educate me on the risk associated with they elaborate fraud rings. I recently called the ticketmaster toll free number above XXXX and the redirected website of XXXX  is still operating. If this was a fraudulent site, why has WSFS failed to report to law enforcement or take any action to protect other consumers. WSFS is taking advantage of my due to my low income and low financial savvy education surrounding these fraud scams, they denied my claim and expected me to go away. My fraud rights protect me and should leave WSFS liable for failing to protect me. I expect my hard earned income to be returned. 

A complaint will be filed with the PA Attorney Generals Office and ACLU

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 2022-05-06
Company: EQUIFAX, 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:
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 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXE XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-03-02
Company: EQUIFAX, INC.
State: GA
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 or 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 2018-07-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
The XXXX XXXX XXXXXXXX card enrolled me in credit protection when I opened the account about 2 years ago. XXXX has gone out of business, so the card is technically 'closed ' pending the payoff of my current balance. The 'credit protection ' is adding about 50 % more each month to my bill and I am attempting to cancel it, however I need my credit card number to do so. Unfortunately, I have lost the card. When I reported the card as lost to XXXX XXXX, they told me they were unable to send me another card. I asked how I was supposed to get my account number and was told it was on my monthly statement only to find out it is, in fact, not on the monthly statement. I believe the company is intentionally giving me the run-around to prevent me from cancelling the 'credit protection ' they charge me so much for.

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 2023-06-03
Company: CL Holdings LLC
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:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence.I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Jefferson Capital Systems {$700.00} XXXX XXXX : Police Report/identity Theft Report, FCRA Sections 605B, 615 ( 1 ). 623 ( a ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a checking account with Bank of America. My fianc had his checks deposited into my account from the IRS and unemployment. My fianc took his funds out of the account so the only funds in the account belonged to me. I had about {$11000.00} in my account. Bank of America decided to look into the acct and state the checks that were deposited ( my fiancs ) were not in my name so they closed my account. They stated {$9600.00} of that money would be returned to the sender ( IRS & unemployment ) so it can be returned to us. The remaining {$2000.00} maybe would be sent back to meThis incident occurred XX/XX/XXXX. I then called a few weeks after to see if the funds were returned, they could not provide me an update and told me my funds would be held in their back office they stated they do not have a timeframe on when the funds would be returned. I called again afterwards and someone told me they were waiting on the sender ( IRS & Unemployment ) to verify the funds and they sent a letter to them in order to do so. I called in XX/XX/XXXX and was then told that WE needed to call IRS and unemployment to recall the funds. We contacted IRS and was told that they did not need to recall the funds the bank should be able to return the checks but we asked them to. IRS initiated a trade to recall the funds and let us know it would take 90 days for an update. We contacted them in 90 days and stated they do not have an update. They spoke with someone from BANK OF AMERICA and got disconnected no updates since. This occurred in XX/XX/XXXX. I have been calling ever since and the bank just tells me there is nothing they can do unless XXXX AND IRS recalls the funds. We are now in XX/XX/XXXX. It has been a whole year the bank has been unlawfully holding onto our funds. Our family has suffered dramatically from this. We did not have any money and became homeless. Bank of America has caused such an inconvenience to us and a financial struggle.

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 2022-05-06
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:
Transunion keeps sending the same correspondence i am not a credit clinic

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
All Three Credit Bureau 's are reporting inaccurate information regarding The " XXXX   XXXX XXXX '' Loan, on several occasions I have asked for this issue to be resolved and to no avail the issues Have not been fixed. The issues of inaccurate reporting are wrong loan balance the credit bureaus are reporting ( XXXX ) The Correct amount is (  XXXX ) and they are also reporting this account as Delinquent ( 90-119days ) this also is inaccurate reporting. The account is current I have contacted them in XXXX, XXXX and XXXX but i keep getting the response from supervisors.i also have provided hem with evidence that the account is current

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
For the past 4-5 months I've been using this mortgage company called Intercontinental Capital Group for a short sale mortgage. I have complied with every documentation they required and I still havent heard from them. I have sign closing disclosures, commitment letters, etc. and still we havent closed the deal. I have paid 3 appraisal, XXXX certificates ( 2 ), and they had me and my fiance go for a grant that still havent even been funded. This company has been giving me and my lawyer the run around and till this day we still havent been able to speak to someone about my file and if I really been denied the loan. I have emails, text messages from people in this company stating the deal will be closed and still nothing. Im really scared they used my personal information for their use. Please help me investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions 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 received a call from fraud investigator about somebody trying to borrow {$40000.00} in my name. He gave my SS #, DOB, and Drivers license number. I requested a copy off the license and he sent it to me via e mail. It is a fake with wrong expiration date and a younger man picture. I had received a couple of Banks letters declining my loan application but I had not made any so I ignored them. I contacted Experian and asked for a security freeze. There I found several requests for loans that I had not authorized or made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Round Point Mortgage administration and Law firm reported my VA Loan of around {$240000.00} as owed debt to Veterans Administration and damaging my VA Eligibility entitlement. 
On XX/XX/XXXX my former Texas Attorneys XXXX XXXX and XXXX XXXX supported me on my file bankruptcy chapter XXXX and filed at XXXX, Texas in Federal Court. 
On XX/XX/XXXX Federal Judge Discharged Bankruptcy XXXX in which XXXX XXXX XXXX was was servicing my VA Loan.number XXXX. 
On XX/XX/XXXX my VA Loan was sold or transferred to Round Point Mortgage all evidence of bankruptcy chapter XXXX was emailed to Round Point and VA administration. 

Why is VA Administration gave me a recent certificate of eligibility by email with a debt of {$240000.00} and adding Foreclosure, or deed on my VA Certificate of Eligibility? 

In due of respect to VA Administration and Round Point Mortgage is VA adopting Round Point Mortgage debt of {$240000.00} to get the CORRUPTED, FRAUD VA Loan compensation of guarantee fundings? 

I am XXXX and Retired and XXXX XXXX Honorable Miltary Veteran. 
I am been Discriminated and Retaliated by Round Point Mortgage and VA Administration because I am XXXX and XXXX XXXX XXXX. 

Very Urgent Matters

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 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
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 writing to formally file a complaint against XXXX, XXXX, & EXPERIAN, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE XXXX, XXXX, AND EXPERIAN, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from XXXX, XXXX, AND EXPERIAN I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant XXXX XXXX and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, and evidence of the impact on me and my family 's well being. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.

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