BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 on several occasions requested that the credit agency remove the Bankruptcy listing on my credit file and they have not complied, The filing is not verifiable through the bankruptcy court that they are listing as were they did the verification. I have two letters from the U. S Bankruptcy court in XXXX Md. that states that they do not supply any information with the credit reporting agencies which means that they are not telling the truth about verifying this account, The FCRA says that if they are not able to verify an account then it must be removed and they refuse to do so. I am writing to you to have you do what your company was established for which is to protect the consumer against the big corporations and act as the legal representation, I have attached the copies of the letters from the bankruptcy court and the credit bureau will refuse to investigate this account even with you requesting verification. They will say that this has been investigated and verified as accurate and request more information to start another investigation so I am asking that they verify the DISCHARGE date of the Bankruptcy which it does n't have one so once again they will not be able to verify the account and by law have to remove it. Please do n't let them get away with bullying the consumers based on there not wanting to actually verify this information by calling the courts and providing me with the name and phone number and verification procedures as required per FCRA 611 ( a ) ( 1 ) ( a ) ( c ) / ( 5 ) ( A ) ( i ) / ( 6 ) ( A ) ( B ) ( i ) ( ii ) ( iii ) / ( 7 ). I am hoping that your agency does what they were created to do  and have this account removed from my file immediately. The above referenced FCRA subsections explain the procedures for verification of an account and how they are required to provide the name and phone number of the person they verified this account with.

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 2023-06-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lived at XXXX XXXX XXXX XXXX in XXXX, Ga XXXX back in the early XXXX. I lived there for over 10 years. They foreclosed on my home when my husband and I divorced. We divorced in XXXX but we were paying a company to help us avoid foreclosure. They still foreclosed on the home and would not refinance or help us. I believe they foreclosed in XXXX? My memory of all the details is not good because it was such a traumatic time for us.

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 2021-04-15
Company: Experian Information Solutions Inc.
State: CO
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:
I sent requests XX/XX/2021 CERTIFIED to Experian, XXXX and XXXX 1to investigate the negative accounts on my credit report and they have yet to respond. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation

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 2023-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a closed Capital One credit card that is on my XXXX account that I have absolutely no knowledge of and didnt open myself. The account was opened XX/XX/2022 and was closed XXXX XXXX. Ive filed an FTC report as I take my credit very seriously only for it to be placed back on to my XXXX the next day. This account was opened fraudulently and is greatly affecting my credit score. This isnt fair to me or my life and is affecting my credit score tremendously. Please remove this fraudulent account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX made a hard inquiry to my Experian credit report on XX/XX/22 and XX/XX/22. I have no relationship with, have not applied for any products from, and have not granted credit report authorization to XXXX Bank. Calls to the bank on this matter went unanswered. 

Experian said they don't allow disputes to be made of inquiries.

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 2022-11-08
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals. I sent Bureaus letters 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 unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX Balance : {$4800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: AZ
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 am writting this letter because I found several errors you are reporting to my consumer report and are hurting my good name. Please fix immediately as I have paid this account in full and its now been closed in good standing. 
XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX # XXXX has violated my rights. 

15 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 instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: MO
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:
received an email alert from XXXX credit that said my email and social had been detected on the dark web. Later that day I changed most of my passwords due to this being the 2nd time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. One was for XXXX with an approval for XXXX XXXX XXXX. I emailed the company that night and said I did not authorize nor apply for credit or a loan. A month later I got a reply to call however I was at work. When I did follow up it took 3 ppl to tell me the card was active and being used online with purchases in multiple states. The follow week I got a bill in the mail for over $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-06-02
Company: SYNCHRONY FINANCIAL
State: IA
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 3 accounts with synchrony bank for XXXX XXXX rewards, synchrony car care and care credit. This company has pulled hard inquiries on two of my accounts which seriously damaged my score and I did not give permission to do a check. I have had these cards for about 2 years. Always made my payments on time I. I called them and all they could tell me is Im sorry there is nothing we can do your accounts have been closed. And when I escalated it to a supervisor I was put on hold for approx. 15 minuets and then they dropped the call. I asked why would you do a credit check on a good standing already active account, and I got a Im sorry! I stated that should I get an attorney for this and thats when I was put on hold for a supervisor and got hung up on. 

There is also one other card I opened with TJMax for XXXX XXXX dollars I activated it but did not use it. They closed that as well before these two accounts So what do I do?

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 2023-11-28
Company: DISCOVER BANK
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Recently Discover Card reduced my credit limit, citing " no collateral. '' My monthly payment has never been late and I do not use the card any longer. I told the representative who took my complaint that I was effectively being punished for using my card and paying on time. This event has impacted my credit score which affects my financial well-being. As a senior citizen, I can not afford such egregious tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-07-07
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:
EQUIFAX IS THE ONLY BUREAU THAT IS REPORTING THE INCORRECT BALANCE ON THE XXXX XXXX ACCOUNT ON MY CREDIT. THIS NEEDS TO BE RECTIFIED OR THE ACCOUNT MUST BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: AK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute about incorrect information on my credit report early XXXX, Equifax notified me on Mat XXXX, XXXX that the report was complete with a confirmation number of XXXX, For the first few days they stated trouble with website and kicked me out. but continued to send notifications, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Every time I go on their web and go through their steps I get to 'view document ' but it immediately kicks me out, today there is no longer a number in 'view documents ' box. I have been on the Equifax Chat line on the XXXX and talked to XXXX XXXX, XXXX XXXX XXXX was zero help, XXXX gave me a number ( XXXX ) I talked to a 'XXXX ' who was unable to clearly speak XXXX he moved me to 'XXXX ' who proceeded to ask me a 'few ' questions to verify my identity, After 30+ questions ( I stopped counting ) I asked him what was the reason he kept asking questions he stated that Equifax, not him XXXX needed the information and that his company was only contracted to talk with consumers. I was very frustrated and hung up. I then returned to the blog and talked to XXXX XXXX who told me I would have to send an email to XXXX and to include the confirmation number. I did this but with the exception of the canned email, which is useless, I have had no other response from a very uncaring company. 
The item, by the way remains on my credit report. 
Thanks for any help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Shellpoint Partners, LLC
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 status incorrect

Complaint:
I am a Military member which was XXXX and XXXX in XX/XX/XXXX. I requested CA Mortgage Deferral under CA Military Veterans code for 180 days with XXXX XXXX XXXX. While they were veryfying eligibilty the mortgage was transferred to New Penn Financial / Shellpoint in XX/XX/XXXX - XX/XX/XXXX. New Penn Financial was unaware of the Deferral, they 
eported the loan delinquent and started the foreclosure process. Upon arriving back into the US I worked with New Penn Financial to provide the same info required for the Deferral with XXXX XXXX. Initially they stated they do not Defer Mortgage, in XX/XX/XXXX they finally stated they would. Any payments made before would not bring the account current, they required all payments from XX/XX/XXXX to be paid. The house has been sold and Mortgage paid in full as of XX/XX/XXXX. Both Mortgage companies were at fault of not following SCRA proctections available to me as a Military member.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: ID Analytics, 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:
XXXX XXXX XXXX which ive Never heard of before, have reported my credit score to be XXXX out of XXXX. My FICO score is as if today XXXX. I monitor my XXXX, XXXX  and XXXX Which i understand are the o my agencies allow to provide my credit score, and this XXXX score simply doesnt add up and it is affecting me. I reached out and they want me to send a copy of my social security and license which I am not doing. I am formally opening a complain and hoping this company is taken out of circulation as it is affecting peoples credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a complaint through the CFPB on XX/XX//2022 in regards to XXXX XXXX XXXX XXXX account I have on my TransUnion credit report profile I got a response from TransUnion in this response they claimed they performed a thorough investigation and ALL INFORMATION came back as true and verified. I went through my documents and found that this response was fraudulent inaccurately reported. The false and illegally reported information had never been corrected or addressed. Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely 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 2022-11-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX {$19000.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} UNKNOWN XXXX XX/XX/XXXX {$92.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, 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 information incorrect

Complaint:
My name is XXXX XXXX I have submitted disputes to XXXX, XXXX, and Equifax in regard to items on my credit report i believe to be invalid, Incorrect, or outdated on XX/XX/2022. I have not heard in regard to my disputes, so I sent in another letter on XX/XX/2022, for more information in regard to my disputes and still have not heard back with the information I request for items on my credit report. I would like a immediate response in regards to the validity of the items on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: CA
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief