BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have disputed this twice and this was the day the dispute started on XX/XX/2021 because this was the date it shows it was delivered. They never verified these items, and they failed to delete these items from my credit report. 
I have never had any dealings with the companies listed below. After no response from Transunion, XXXX or XXXX, i did further research on the companies listed below. These companies are not licensed in the state of Arkansas which means they are attempting to collect on a debt illegally. Per laws ; Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1, and Section 605 B 15 U.S. Code 1681 C-2 These items have to be deleted off my credit report immediately due to the reasons stated above. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On my credit report it also show these student loan accounts closed but they were paid off. They should be deleted off my credit report also. 

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 2019-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received an email on XX/XX/XXXX regarding a 0 % rate for purchases only through XX/XX/XXXX on my Capitalone account. I left a balance on the only Capitalone card I use on a regular basis and I got charged interest for it. After talking to the supervisor, she said it pertained to my other account, not the one I use on a regular basis. I didn't even realize I still had another account out there. And they wouldn't tell me when the last time it was that I used that account.

After speaking to a supervisor, they said there was nothing they can do even though they can see where the confusion is. I also have two credit cards tied to the same account, which could easily be mistaken as well. Again, I didn't know I still had another account out there.I use one account on a regular basis that has two separate card numbers and the email was for another account that hasn't been used in over 10 years.

I asked if they would honor the 0 % for the remainder of the advertisement to the account I thought it pertained to and they said no. It was only for the other account, one that hasn't been used in over 10 years. I am tired of these companies using deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX {$500.00} ; XXXX XXXX XXXX XXXX XXXX  {$8700.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX XXXX XXXX {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: IL
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX : XXXX XXXX, 2022 '' my ssn : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 
Everything must be 100 % accurate in my credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXXXXXX XXXX # XXXX Amount : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My account was sold to Nation Star Mortgage. My home equity loan was then given to XXXX XXXX. XXXX and Nation Star Mortgage are the same company. I setup and paid XXXX XXXX. Nation Star Mortgage has refused to update and change my credit report insisting the account is a charge off. This is not true. I settled with XXXX a company owned by Nation Star for less then the full amount and the account is not a charge off and has been settled for less then the full amount. It should be noted that in the event the consumer works with XXXX XXXX a company owned by Nation Star that Nation Star must then report accurate and not misleading information to the credit bureaus. Please see enclosed documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: MO
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:
The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX Date of Inquiry XX/XX/2020 XXXX XXXX  XXXX Date of Inquiry XX/XX/2020 XXXX XXXX  XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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:
Someone applied for an {$88000.00} small business loan through the US Small Business Administration. This is fraudulent as I have never applied for credit of this kind with any company. Someone has obtained my information and used it to apply for a loan.

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
On the Dates listed below the following companies obtained a copy of my credit report without my consent 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

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 2022-10-08
Company: Bread Financial Holdings, Inc.
State: NC
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 entered into a hardship payment plan with Comenitybank/wayfair  in XX/XX/XXXX, agreeing to pay {$98.00} per month, I was told this would satisfy the account which at that time was past due less than 3 months related to covid and a job loss. The payments were auto debited from my checking account and I have never missed a payment. However, Comenity is now saying I owed more than {$98.00} per month and that is why it was " late ''. I was never informed when the hardship agreement was made of additional money due, in fact I was told, the agreement brings the account current, to begin the hardship plan, for the {$98.00} per month. It makes zero sense to enter into a {$98.00} per month payment plan, if it essentially leaves your account still behind. It was hard enough losing my job and having to call for a payment plan, the woman told me the {$98.00} was all I needed to pay per month for the plan. I was never told there would be any " additional '' amounts due, so once the auto debit was set up I assumed the account had been satisfied. However, my credit report now reflects I paid late every month I paid the auto debited {$98.00} agreed upon payment plan. This is because there apparently was additional money Comenity wanted outside of the hardship plan, or the plan was not processed correctly, I am not sure what the issue is on their end, but I know I was NEVER told anything else was due, when the agree was initiated and in the agreement document. In the beginning in XXXX of XXXX Comenity " charged off '' the account, all while I continued to pay {$98.00} per month as agreed upon. I have also never received any communications from them about the " charge off '' or who now holds the debt, although my checking account is still debited every month for {$98.00}. 

I filed a dispute through XXXX explaining all of this with documentation and nothing changed, Comenity has put " XXXX XXXX '' on my credit report for the last 8 months in a row, even though I have paid every month as agreed upon beginning in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I experienced a short-sale on my previous home in XXXX, XXXX. I had a first and second mortgage with Bank XXXX XXXX. At time of short sales, XXXX mortgages were fully reconveyed as the new owner took possessionXXXX marked XXXX mortages as " PAID AND CLOSED. '' However, some time in XXXX, Nationstar Mortgage began to report the XXXX mortage as open/past due! I did not even notice this until mid XXXX. Despite attempts to work with them, and sending them requested documents, they still report the loan to credit bureaus. This is really hurting me at this time. I have enclosed all documents I sent to them, and to XXXX who is participating, but they suggested I write to you. The documents include a record of FULL RECONVEYANCES on the property for XXXX mortgages. How do we get them to remove these records, and tell the credit bureaus THEY WERE COMPLETELY WRONG AND i HAVE BEEN " CLEAN '' SINCE XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: AR
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 have filed multiple Disputes with Equifax via there website and more through XXXX XXXX. Through Equifax i have filed 9 disputes over the last 60 days. 2 are incomplete and are not yet being investigated and 7 are reported as being complete but only 1 of those 7 have a response available. They are listed as follows : 2 uncompleted disputes : # XXXX filed XX/XX/2022 # XXXX filed XX/XX/2022 For these i have not been told anything 1 complete dispute with response : # XXXX file XX/XX/2022 completed XX/XX/2022 This dispute was filed on a Bankruptcy in the attempt to show that one of my creditors XXXX XXXX should have not been listed on the Bankruptcy as a discharge but a reaffirmation. Equifax, responds that i did in fact have a bankruptcy ..... Thanks 6 disputes that care reported as complete but do not have results. 
# XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 This is just a glance at the issue i am having with getting Equifax follow there own policy. There have been many more dispute both through Equifax, XXXX XXXX, as well as the CFPB. even those that have received responses have been copy and pasted, false information from the creditor, the very same information i am disputing and gave provided proof in my complaint. Equifax however fails to actually conduct any tupe of investigation as the results furnished are full of incorrect inf oration that either compute or contradicted themselves on the very same page. i have went through the process of filing each one individually but still the same computer generated response. The latest response i received was today XX/XX/2022 for a complaint filed with the CFPB. It offered XXXX information in the disputing matter whatsoever, in fact it was a list of things i had done as in disputes i filed as if i didn't know that ior as if it even pertains. i have attached it for your enjoyment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: DISCOVER BANK
State: NC
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
DISCOVERBANK XXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Transunion, XXXX and XXXX are all the Reporting it that's not 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-25
Company: Atlanticus Services Corporation
State: MI
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:
Credit was sold illegally to a third party that holds no merit with me or property at hand, legal name. 
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 written instructions 15 U.S. Code 1692c - Communication in connection with DEBT COLLECTORS ( a ) Communication with the consumer generally 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 ( b ) Communication with THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) CEASING communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being TERMINATED ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified REMEDIES which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, EXECUTOR, or ADMINISTRATOR. 
My rights have been violated several times over and I keep reporting this over and over and have been reported to this agency previously and to the third party by mail stating no such double payment shall be issued. By statute I am due relief and remedy the same as XXXX XXXX XXXX has already been issued via 1099-A by the treasury. Again no malice is being issued, only frustration peaceable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act. These Accounts ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX KS XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

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