BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family. Please delete these fraudulent accounts from my credit report as soon as possible.

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 2019-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I opened up my first credit card with Capital One. 

Due to it being my first and being XXXX, it was a high-interest rate and {$500.00} credit limit. 

I attempted several times over the years to increase my limit or decrease my interest rate to reflect my increasing credit history and credit score. 

Three years ago I was told that it was a special type of card where neither of those two options would ever be available. Because it's a low credit limit, I was worried about utilizing it and exceeding my 30 % recommended utilization. I was advised by the credit card company that the best way to utilize this card was to never close it because it was my oldest and was at least benefiting my overall credit score that way. I was never warned to maintain activity on it. 

On XX/XX/XXXX I was advised that my card was suspended and being closed in XX/XX/XXXX due to inactivity. 

This is my oldest card ( I have been a " valued member '' with immaculate history with the company since XXXX ) and it will significantly impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: Remitly, Inc.
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Approximately two weeks ago I attempted to reactivate my account with a money transfer company called Remitly. I had sent perhaps {$12000.00} or more to a friend in the XXXX during the previous year to year and a half with no problems. Circumstances reached a point where I was unable to continue sending funds. At a certain point I received an e-mail indicating that my account was closed to inactivity which I understand perfectly. Circumstances have since changed I wished to resume sending funds to my friend. I called the company as instructed on their website where a representative told me that my account was permanently suspended due to my having broken the rules of service and other suspicious activity. At no time did I engage in any activity that would break any rules. I simply sent funds by charging my credit card and paid the fee to Remitly as needed. All transactions were approved and fulfilled with all fees paid. Funds were sent from my personal credit card to a legitimate XXXX bank. There were no actions that were suspicious or against rules. I am very upset that my legitimate transactions should be described as suspicious and breaking the rules which clearly presume that my transactions are illicit or illegal. I have never engaged in any illegal activities in the past or present nor do I ever intend to. I have sent two requests via the Remitly website describing the problem and requesting informal resolution with no response. I request that my name be cleared of these false charges and my account be reactivated at which time I will decide whether to continue using the account or close it at my request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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:
I am writing to file a dispute against XXXX, Experian XXXX XXXX consumer credit reporting agencies, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX & XXXX, XXXX XXXX  Acct # XXXX & XXXX XXXX  XXXX Acct # XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like XXXX, Experian XXXX XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that XXXX, Experian XXXX XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore, XXXX, Experian, & XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of XXXX, Experian XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of XXXX, Experian XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, XXXX, & Experian for their violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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 my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on 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. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this 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 2019-01-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX will not remove the errors on my account they are derogotory i don't owe this money i called XXXX  they cant explain anything about my account because there is no record. XXXX  has it down as four accounts owing {$1100.00} i called XXXX XXXX they have me down owing XXXX not XXXX i called XXXX  coul not explain any account owing with my name, they need to remove this i have a new account with XXXX  they wouldn't of given me an account without paying the old one because i don't have a owing account closed for XXXX  equipment returned {$380.00} is wrong someone made a big mistake because of this i have been denied credit for four years. i have been so stressed out about this big error. I m trying to own the American Dream this mistake that XXXX  is doing to me has ruined my name. please ask XXXX  they have it wrong please remove i attempted to remove myself and XXXX wont do it they lied to me and i have been denied credit so many times i'm so stressed out my heart can't take it. my goal is to own the American Dream, i have been turned down so many times. i don't have dates of this error because there shouldnt be one. Its ruin my life! please help me ask XXXX  to remove. and i should be compensated for the errors they made im depressed they turned my life upside down. my name is ruined because of this. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: FC HoldCo LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2023 I have received 12 calls from Flagship Credit. The voicemail message states that this call is for " XXXX XXXX '', and further instructs that if the phone number being called does not belong to this individual then one should call the company at XXXX. However, when I tried to call I was unable to reach a live individual despite trying several tactics ( e.g. pressing " 0 '', entering a bogus account number repeatedly, etc. ). I utilized the communication form on the company 's website, flagshipcredit.com/contact-us/, but did not receive a reply. I also emailed the company on XX/XX/2023 to explain the issue and ask for resolution. I also asked for confirmation that the company was removing my number from its database. Instead, I received the same voicemail message from the company on XX/XX/XXXX ( XXXX ) and XX/XX/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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are several unauthorized inquiries on my credit report, please DELETE the following inquires. I did not authorize these inquiries : 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 non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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 non-monetary relief
Consumer complaint received 2023-10-26
Company: NEW YORK COMMUNITY BANCORP INC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I applied for a loan Modification when I first started my XXXX XXXX in XXXX of this year. I was informed that the process could take up to XXXX weeks. I was experiencing a reduction in hours that caused me to fall behind in my bills and was looking for a way to make my monthly mortgage payment more affordable. I wasn't able to pay my mortgage for 2 months during the time I applied and was informed by the representees which are recorded conversations that if I did, I would be disqualified for the modification. I sent in all requested documents to support my Hardship and after XXXX weeks was approved for a partial modification where I had to do XXXX XXXX payments of the same amount I was already paying. That wasn't helpful to me as I was already in a bind paying that amount on the regular. I submitted an Appeal on the decision in XXXX and after 37 days was denied due to FHA loan restrictions. I called every day when the Appeal was pending and was told several different things about why it was taking so long, or why it might not get approved. My Appeal has been denied and now I am experiencing the same Hardship. 
I don't believe this lender did everything they could to really help me. I feel like they took the latter route because they didn't want to lose any money.

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 2022-09-07
Company: FREEDOM FINANCIAL NETWORK
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : FREEDOM PLUS XXXX Date opened XX/XX/XXXX Balance : {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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 non-monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
For the past ( 3 ) months, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX  I have sent several letters to each of the major credit bureaus. 

The letters clearly instructed the bureaus to correct my credit report based upon the Metro2 Code Compliance standards. 

My request for correction has been ignored without proper action taken, particually by XXXX. They have repeatedly sent me notice that they " have not taken any action on my alleged request ''. 

After several calls, letters and cover letter attempts to get them to ACT on my behalf, the response from them appears to now be a stalling tactic to not take proper action on my account, per my request. 

Information on my report is inaccurate and I simply want the items requested removed and/or deleted from my credit record.

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 2023-08-28
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:
I submitted disputes of identity theft along with documentation to support my claim on XX/XX/2023 for the following accounts to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts is a violation to my rights. 15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

I was incarcerated at the times these accounts were opened. ( XXXX ) With that information alone the accounts should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted XXXX Bank about erroneous charges on this account. It was agreed by XXXX Bank that through settlement this account would be deleted from my credit report. XXXX, XXXX, and Experian have not only failed to verify the accuracy of this account but also failed to remove it from my credit report. 

The account number listed on my credit report is : XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-10-26
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
During XXXX on 2023, Mr. Cooper purchased my mortgage from XXXX XXXX. I was in the process of removing PMI with XXXX, and continued the process with Mr. Cooper. 

The XXXX came to my house, did an interior/exterior appraisal, and then asked what amount I needed to remove PMI. I told the XXXX a number and they smiled and said " oh that won't be an issue ''. 

On XX/XX/XXXX, I received a form letter with the notice of appraisal and denial of my request to remove PMI. The appraisal was artificially low, did not include a number of upgrades that had been completed, and including comparisons that did not match the neighborhood and traits of the home in question. 

After speaking with Mr. Cooper on XX/XX/XXXX, I was told to appeal to XXXX. 

On XX/XX/XXXX, I sent my appeal to XXXX. 

I had no response for XXXX weeks. On XX/XX/XXXX, I called Mr. Cooper. They advised that no movement had occurred on my appeal, and to wait. 

On XX/XX/XXXX, I called Mr. Cooper. They advised that there was again no movement on my appeal, and to wait. 

Through social media, I received contact from Mr. Cooper. They advised my appeal would be reviewed. 

On XX/XX/XXXX, I received the same form denial letter I had received more than 2 months prior. I called Mr. Cooper ( whose phone tree is impossible to get a person on ) and was advised that they did not consider the mistakes or errors on the appraisal I submitted. They told me I could again appeal, that it would not likely change any outcome. 

Mr. Cooper intentionally designs their phone tree to discourage individuals from reaching a human. In more than 2 months of waiting, there was no movement on my case. It was only through my repeated efforts that I received any communication from Mr. Cooper. 

I do not know why they did not consider any information I provided, I do not know why they did not communicate with me about my appeal, I do now know how they arrived at the decision they did, and now they have charged me {$450.00} for an appraisal that is deficient, and have not communicated at all. 

I would never engage with Mr. Cooper if I had the chance again, and everything about them feels predatory.

Company response to consumer: Closed with explanation