BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am writing to file a formal complaint regarding a significant issue I have encountered with the credit reporting agencies regarding an identity theft incident. Despite my repeated attempts to rectify the situation, I have been met with inaction and a lack of proper investigation from the credit bureau, which has resulted in significant harm to my financial and personal well-being. 
The incident in question pertains to a fraudulent account that has been reported on my credit report. I filed an identity theft report with the Federal Trade Commission ( FTC ). I also submitted disputes to the credit bureaus involved numerous of time, along with all necessary supporting documentation, including the FTC identity theft report, police reports, and notarized affidavits. 
However, instead of conducting a thorough investigation as required by law, the credit bureau in question merely asserted that the account in question was mine without providing any concrete evidence to support their claim. This response is not only inadequate but also violates the Fair Credit Reporting Act ( FCRA ) and its requirement that credit bureaus conduct a reasonable investigation when consumers dispute information on their credit reports. 
The violations that I believe have occurred include but are not limited to : Failure to conduct a reasonable investigation : The credit bureaus in question failed to fulfill their legal obligation to conduct a thorough and impartial investigation into the disputed account, as mandated by the FCRA. 
Lack of notification : The credit bureaus did not provide me with written notification of the results of their investigation within the required time frame, denying me the opportunity to review their findings. 
Disregard for supporting evidence : Despite providing extensive documentation, including the FTC identity theft report and police reports, the credit bureaus did not consider this evidence during their investigation, undermining the integrity of the process. 
Failure to block fraudulent information : The credit bureaus did not block the fraudulent account from my credit report, allowing it to continue negatively impacting my credit score and financial standing. 
Refusal to correct inaccuracies : The credit bureaus refused to correct the inaccurate information on my credit report, thus perpetuating the harm caused by the identity theft.

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 2021-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I am inquiring about an account thats noted on my XXXX Credit Report. I have called XXXX  to inquire about that account and they gave me your info to contact you. I then contacted your bank and they have no info on the account and what it pertains to. It is critical that I obtain written confirmation saying that account isnt mine or whatnot from you in order to removed it from my credit report. May you please respond back as soon as conveniently possible. My XXXX XXXX husband is getting XXXX soon and its vital that we close on this pending house for our children and I so that he can be at peace while hes XXXX. We have been calling around to find out more about that account thats opened under my name because I have no recollection of ever opening an account with XXXX XXXXXXXX XXXX. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: IL
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 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 2019-11-20
Company: Navient Solutions, LLC.
State: NJ
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:
I have been in a constant struggle with Navient and their practices in reporting loan information. I have asked for information to be corrected in credit report to no avail. They have ignored my request for correction with document from Navient indicating my loans were forbearance and still continue to report late. In addition all the response I receive from the credit agencies are changes to the terms. Which I am not aware of any changes on terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I enrolled in the " Bank, Budget & Earn Up To {$500.00} On Top Of 2.02 % APY Promotion '' above and believe I should have received my bonus by XX/XX/15 in both accounts but have not received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mr. Cooper formally known as Nationstar Mortgage is at it again. Mr Cooper is engaging in delaying tactics, giving me and my Sale Agent the run around, asking for the same documents over and over again, playing hardball which Mr. Cooper engaged in during my request for my Loan Modification in XXXX which lasted for 10 years and was never modified. In addition to the XXXX games that Mr. Cooper has engaged in above, is now adding another leaf of delaying tactics to the Short Sale Mr. Cooper approved off, and scheduled for Auction Sale in XX/XX/XXXX to XXXX, XXXX. We are now at the last stage, the Closing Process of the Short Sale, and Mr. Cooper is now dictating, and shying away from its officially mandated responsibilities. Mr. Cooper is telling me and my Sale Agent,  cheering picking which amounts they will approve for payment. Besides, Mr. Cooper is backing away from the original Terms for the Short Sale Program, " The Offer Validation Program '' agreed upon by both parties when the Short Sale initially began. Mr. Cooper is coming up with another " Terms '' that will benefit Mr. Cooper. Dealing with Mr. Cooper for 10 years I have learned to know that Mr. Cooper lies and Cheat. Mr. Cooper should move fast so that we can move on to the last stage of the Short Sale process ; that is the Closing Process, instead of playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 opened an account with XXXX in order to build my credit. I have successfully paid each and every single payment on time. I have never missed a payment. After several months, I was offered the opportunity to refinance my loan. XXXX  even acknolwedged that I had excellent payment history and I was successfully building my credit. I took this opportunity and refinanced my loan. ( I dont recall the exact date. ) Then after several more months, and still Never missing a payment, XXXX  once again acknowledged I had excellent payment history and never missing one payment, offered to let me refinance my loan again. I considered this carefully. I viewed my credit score. XXXX  recorded my credit score as just over XXXX. ( When I opened my account, it was barely above XXXX. ) I had seen my score raise by nearly 100 points. I looked over all my finances, and decided to refinance again. On XX/XX/XXXX I had received an email from XXXX XXXX who reflected that Transunion had dropped my credit score by XXXX points. I then received another email from XXXX XXXX that reflected that XXXX  had dropped my credit score by 52 points! I looked over my overall credit score which reflected that my credit score had dropped from XXXX to XXXX!!! Both XXXX and Transunion also reported that the only change to my credit file that was responsible was XXXX closing my financed account. I immediately made contact with XXXX. I have 100 % accurate complete payment history with XXXX, never missing a payment, and yet, doing business with them has caused severe damage to my credit report. The 101 point drop in my score clearly shows that XXXX  destroyed my credit far beyond what my loan was worth all so XXXX could profit. When I contacted XXXX, they gave a bunch of XXXX  excuses in an attempt to deflect blame and responsibility.

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 2021-07-29
Company: OneMain Finance Corporation
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi, I noticed some credit inquiries in my credit report of XXXX XXXX, XXXX  and XXXX  which I don't recall authorizing them. Please help me with this issue. Following Inquiries I don't recognize - XXXX XXXX XXXX XXXX via XXXX XXXX XXXX  XXXX  ONEMAIN FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: DISCOVER BANK
State: AL
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:
Dear Discover Bank, I hope this letter finds you well. I am writing to bring to your attention a concerning matter related to the reporting of late payments on my discover account number starting with 601101. I believe that my rights as a consumer, as protected under the federal law, specifically 15 U.S.C 1666b, have been violated due to not adopting reasonable procedures by not notifying me 21 days before the payment due date.

I have been a loyal customer of your company for two years, and I have always strived to maintain a good credit history. You also did not give me proper notice for furnishing of negative information in writing to me as a consumer pursuant to 15 U.S.C 1681s-2 ( 7 ) According to 15 U.S.C 6802 ( b ), as a consumer I was never given the opportunity to opt out from such information/account being disclosed to third parties ( All credit agencies ). 

I asked that you delete this account beginning in XXXX that was opened on XX/XX/2021 from all third parties that I was not given the opportunity to opt out from. 

Failure to address this issue in a timely manner may result in further legal action to protect my rights as a consumer. I trust that you will handle this matter with the urgency and professionalism it deserves.

Please provide a written response within 30 days of receiving this letter. I appreciate your prompt attention to this matter and I look forward to your positive response. 

Thank you for your immediate attention to this serious matter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My name is XXXX XXXX on XXXX XXXX I sent a certified letter to Transunion disputing inaccurate items on my credit report. The certified letter was delivered to Transunion on XX/XX/2020 according to the USPS the tracking number associated with this delivery is ( XXXX ) as of XX/XX/2020 I have not received a response from Transunion. 

On XX/XX/2020 I sent another certified letter to Transunion disputing inaccurate items on my credit report. The certified letter was delivered to Transunion on XX/XX/2020 according to the USPS the tracking number associated with this delivery is ( XXXX ) as of XX/XX/2020 I have not received a response from Transunion. 
It has now been over 100 days since Transunion received the first dispute They are in violation of the Fair Credit Reporting Act as they are required to response to any and all disputes within 30 days

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-07
Company: EQUIFAX, INC.
State: TN
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 I have recently submit letters to you about my credit report XXXX, XXXX and Equifax for all 3 credit reports waiting for a response yet I got nothing, according to the standards you was to connect me with 30 days due to time of this whole situation how XXXX. 

There are errors that are on my credit report which should not be or removed from my credit report. 

wrong address wrong employment wrong name never live there Because of this treatment, I had to change my purchase my real estate investment properties because my credit report is not up to CFPB STANDARD!!! 
this total Unacceptable and violates over 20 rights that I have as a consumer I ask you to take complaint extra seriously, I would like a response form you no later than 15 days. And also request to be compensated interest for every day the credit bureus do not reply to my complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Credit Acceptance has attempted to collect this alleged debt from me since I entered into a contract with them on XX/XX/XXXX. I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by Credit Acceptance. I am not terminating the contract, I am deducting my liability to pay on behalf of the obligor as I found several violations of fraud. According to the contract, I wasn't aware of my right to rescind at the time. I entered into the contract without being given full disclosure and disputed the validity of this debt when I mailed a letter of conditional acceptance on XX/XX/XXXX. In this letter, I agreed to pay the debt if within 15 days, I was sent the following from Credit Acceptance : confirmation of the debt, production of the account and a general ledger statement, a signed invoice to verify their claim against me, a copy of the contract binding both myself and Credit Acceptance ( not a photocopy ), a statement acknowledging whether they are the holder or servicer in due course, a declaration acknowledging whether they sold my note as part of a pooling and servicing agreement ( securitization ), and if securitized, the name of the REMIC to whom my loan was sold and the CUSIP number assigned to my loan after it was securitized. I have reason to believe Credit Acceptance willfully and knowingly took advantage of me and my consumer credit. In addition, I was given false and deceptive information, as I was told that a down payment was needed in order to drive off of the lot which is a violation of 15 USC 1692e. I have included the letter I sent to Credit Acceptance as well as the contract I signed with Credit AcceptanceXXXX 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 2023-06-07
Company: EQUIFAX, INC.
State: SC
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 account : XXXX XXXX  XXXX ; they are reporting information which isnt accurate and it should be removed immediately from my credit report according to law. 

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 non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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:
This is a complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2023. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime closed my account and mailed me a check with my balance of {$4500.00} I didnt receive check before I moved and the check was suppose to be returned to chime but some how it ended up in Virginia and sign and deposit in someones account that I dont know nor gave permission to forge my signature. I was advised by chime where refund was from, bXXXX XXXX XXXXXXXX whom bank check came from and XXXX XXXX  whom cashed the check to contact police so i can get funds returned to me. I have attached check chime sent me with forged signature. I have reached out to chime over a year now and nothing has been done. I also reached out to XXXX XXXX  but they said its on chime to report fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NY
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: EQUIFAX, 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:
Guys please help me. I have a lot of unknown inquiries in my profile. I have no idea how that happened but the only one thing I know for sure that they are not mine. I do not know them, someone filed them or its error or identity theft I do not know but I am begging you to remove them as soon as possible because I can not proceed in my life planning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Guys please help me. I have a lot of unknown inquiries in my profile. I have no idea how that happened but the only one thing I know for sure that they are not mine. I do not know them, someone filed them or its error or identity theft I do not know but I am begging you to remove them as soon as possible because I can not proceed in my life planning.

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