BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX # XXXX / XXXX XXXX U.S.C. 1681 section 602 A states 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 permission, consent, or instructions. 

4. XXXX XXXX XXXX Acct # XXXX a. Company does not have a contract on file. The company denied my consumer right to receive a contract. 
b. I have attached documentation from the company denying me the right to receive the contract allegedly on file. 
c. The company failed to notate that the account was in dispute after I sent them a direct letter of the dispute via Certified Mail XXXX d. Violation of my consumer and privacy rights i. 15 US CODE 1681e ( b ) ii. 15 US CODE 1681a ( 2 ) ( A ) ( i ) iii. The Privacy Act of 1974 5 U.S.C. 552a e. Attached documentation has been provided to show that this company failed to provide a contract with my signature after requesting it. I have also attached the dispute letter that was sent to this company as well The letter sent to them was very clear and precise in what I was requesting and they intentionally and fraudulently failed to provide me with this information.

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 2020-12-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of XXXX I went to the XXXX XXXX to buy my wife a car. I was informed by the car salesman that I was approved for a line of credit through Comenity Capital BankXXXX. The account was opened and I was under the impression it was set up on automatic payment. Once I found out that it wasn't being paid automatically, I made every effort to resolve the debt. I talked to an agent from Comenity in XX/XX/XXXX and set up a payment plan to XX/XX/XXXX out the debt. They took payments from my checking account on XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, and XX/XX/XXXX for {$100.00}. The agent had informed me once the final payment was received that they would remove this account from my credit report. They did not remove it and furthermore they sold the debt to a company called LP. I contacted LP and they told me they showed an outstanding balance of {$460.00}. I agreed to pay them if they removed it from my credit report. I payed {$460.00} to a company called XXXX XXXX on XX/XX/XXXX. This account is still on my report and I don't seem to be able to get any agency to remove it. I am a father of XXXX with a mortgage, car payment, and I am on XXXX. I am trying to refinance my home and this account on my credit report is making it impossible. I would never knowingly let an account get to this state. I am being responsible and making payments on time for all my other accounts. Please help in this matter. Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TrueAccord Corp.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
True accord assumes if you dont respond to their unsolicited emails, they can start a payment plan, basically restarting the clock on debts.

" We do take payment promises seriously here at TrueAccord. I will be noting this agreement on your account ; if we don't hear from you, we will assume this date works for you '' I have not agreed to any payment plan whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: PA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
All 3 credit bureaus Transunion,XX/XX/XXXX, andXX/XX/XXXX will not remove the below account from my credit report. A payment and settlement was made in XX/XX/2020. The creditor agreed to remove/delete from my credit report upon receiving payment. To date that still has not been done. The credit bureaus are reporting a payment made but are still reporting it. This should be removed from all three reports. The creditor/collector has not stood behind their word of deleting from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2020-12-27
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have applied for a lower interest rate refinancing with Flagstar Mortgage. The underwriter is declining only verbally refinancing us. We have not received in writing the underwriter reasons. 
Flagstar says after 4 months of starting the process that the reason for stopping the process is : Due to Covid we have not cashed our IRA funds distribuitition so our taxable income is less but the saving are still the same. We have the funds, the money the savings. We have also had our account with Flagstar for 3 years and never missed our payment, our Credits scores are higher than XXXX as well.

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 2022-09-23
Company: Experian Information Solutions Inc.
State: NJ
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this dispute on XX/XX/XXXX of 2022 with the Midland credit management and despite having a valid reason to remove this from my credit as minimal things like this have affected my life and chances of being able to do things needed to be done to move forward in my life at my age. I tried everything and the company refused to remove this from my report, so this was my last resort even though I did not want to take it this far and Im hopeful your organization will be able to get this settled so I can put an end to this constant worry and issue that shouldve been resolved a long time ago, I appreciate your kindness and helping this regard and please reach out if any more information is needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
FOR THE PAST FEW MONTHS I HAVE BEEN TRYING TO GET XXXX OF XXXX XXXX BUT I HAVE NOT HAD ANY RESPONSES. I SENT MULITPLE DISPUTES AND GOODWILL REQUEST BUT HAVE HEARD FROM NO ONE. 

I REGULARLY MAIL MY PAYMENTS TO XXXX XXXXXXXX. ON A XXXX OFF SITUATION, MY CHECK WAS STOLEN AT THE XXXX XXXX THEREFORE CAUSING MY ACCOUNT WITH XXXX TO BE LATE. AS SOON AS I FOUND OUT, I SATISFIED MY OBLIGATION. AS YOU CAN SEE, THIS IS COMPLETELY OUT OF MY CONTROL AND I AM ASKING WITH HUMILITY THAT MY LATE PAYMENT WITH XXXX  BE RECALLED AS A RESULT OF FRAUD/THEFT. 

I HAVE ATTACHED MY LETTER I SENT TO XXXX BEFORE AND ALSO INCLUDING A POLICE REPORT I FILED ABOUT THE CHECK THEFT. PLEASE HELP WITH INVESITGATING THIS ISSUE AND RECALLING THE LATE PAYMENT.

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 2022-08-07
Company: EQUIFAX, INC.
State: PA
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:
They state I owe for services rendered, of Ambulance coming to see me, I never requested an ambulance be called, I have not been in distress for a said ambulance to be dispatched, I never signed any authorization for services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Text received for authorized transactions on XX/XX/22. I responded " N ''. I called USAA. I saw the fraudulent activity pending. It was my XXXX account for my XXXX XXXX XXXX granddaughter. We did not set up a profile or authorize check cashing or money transfers. Again I said these are not hers and we do not know the recipients. USAA allowed it to process. Then proceeded to lock all my accounts and say there wasn't any fraudulent activity. USAA refuses to provide documentation on their findings. I had to pay XXXX to unfreeze my accounts. My entire banking life was with USAA. I do not accept their insinuations. My entire family is either federal or state employed. We are not criminals. There is no transparency and a huge lack of professionalism. This is a bank for Veterans. I would like my money and my children 's money returned. I just wonder how many veterans and their families have fallen victim to USAA!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: PA
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:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NY
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:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
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 2023-11-09
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Dear Commissioners : On Saturday, XX/XX/XXXX, I opened a Business account for XXXX XXXX at XXXX Bank in XXXX. The Manager told me that my funds would be available on Monday XX/XX/XXXX. 
On Sunday I deposited a XXXX XXXX dollar check by ATM into my Personal Santander checking account for XXXX business day. 
Unfortunately the funds in my XXXX  accounts were not available as promised and the check was returned. I was charged XXXX dollars from XXXX and XXXX dollars from Santander. 
On XX/XX/XXXX, I wrote a new check for XXXX XXXX dollars and deposited in my Santander account for. 
I spoke to a woman in the fraud dept. explained what happed with the first check and she said everything would be fine if the XXXX XXXX dollar check cleared. 

They also impounded all my money my previously available funds and closed all transactions and did not pay my credit card due payment to XXXX or aloud me withdraw any money from their ATM. 
Someone spoke to me directly at the XXXX office by phone from fraud dept. and told me the suspected second check for XXXX dollars was also suspect for fraud even as I explained that I deposited that check personally at this branch with a teller using my debit card information on site. He went on and stated that we dont know if someone forged your signature even though bank surveillance would show that I deposited the second check for XXXX XXXX dollars personally. His implications were clear, I was under investigation for fraud if convicted or even accused of fraud, and I would lose my professional licenses. I have lost much sleep by the stress created by Santanders policies as punishment for my aggressive pursuit to right this injustice. 
On XX/XX/XXXX I again spoke to a fraud customer service XXXX and told him the entire story of the XXXX XXXX dollar check and he spoke to his XXXX and he sent a confirmation number to my phone and he said my account was free of all restriction and I thanked him. 

Later that day, I tried to long online but was denied. The next I tried to use my Debit for gasoline in my daughters car and was denied. 
On XX/XX/XXXX the fraud dept. Rep said that the XXXX dollar check review was still in process and it will be several more days to review. 
My money is being held up along with many bills that are not being paid because of my persistent follow ups with the bank and perhaps because I told them that I was going to close this forty year account for this autocratic punishment XXXX enduring. 
XX/XX/XXXX still locked account. My Santander personal loan was not paid by my account due the XXXX of XXXX. Even though I had funds available. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Ma. XXXX XXXX my money so I can pay my bills and sanction the bank for purposel

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDENCE RESOURCE MANAGE I DON'T KNOW WHY XXXX XXXX IS CHARGING ME THE AMOUNT OF {$1000.00}. I CALL THEM LONG TIME AGO AND THEY NEVER SENT ME ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: SC
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXXhirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'd like to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you. 

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 2023-04-06
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX : {$2600.00}

Company response to consumer: Closed with explanation