BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 following accounts has violated my rights. 

XXXX ) XXXX XXXX account # : XXXX XXXX ) XXXX XXXX XXXX account # : XXXX These accounts are fraudulent accounts. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company 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 2022-12-11
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:
Equifax in Violation of reporting negligently and inaccurately information on my credit report Misleading False Reporting all account is negligently and inaccurately reporting failing to comply to 15 USC 1681I demand you delete these accounts from my credit report, I have listed below : 1. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 2. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 3. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 4. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been in an ongoing back and forth battle with Equifax. I have had two open actively reporting accounts that report to all three credit bureaus. A car loan and a credit card. I have already made sure they report to Equifax and even had the companies send Equifax a letter telling them I have made all my payments on time and that it should be getting reported. I have been told 8 times to send in personal information to verify my account ( no exaggeration ) because they say they need to verify my identity. I have mailed and faxed and each time it does nothing. The last time I was in contact with Equifax the customer service representative informed me that they have no record of my accounts reporting and I told them that they are and that they sent over a letter/document showing proof. They are no help and this has been going on for over a year. This is affecting my life and can not get my loan for college or purchase a home due to not having Equifax credit. I have no other problems with the other two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TRANSUNION IS REPORTING THAT I HAVE A VERY FAIR INSURANCE SCORE STATUS WHEN MY CREDIT SCORE IS OVER XXXX WHICH SHOULD BE EXCELLENT I ATTEMPTED TO FIND OUT WHAT IS CAUSING THIS PROBLEM AND LISTENED TO HOLD MUSIC FOR AN HOUR AND WAS THEN DISCONNECTED THIS HAPPENED 3 TIMES ALTHOUGH THE TAPE SAID MY CALL WAS IMPORTANT I REALIZE THAT IT OBVIOUSLY WAS NOT. I AM IN THE XXXX  XXXX  AND THIS SCORE IS DETRIMENTAL TO MY PREMIUM IT SEEMS TO A SUBSTANTIAL AMOUNT. I UNDERSTAND THE NEED FOR UNDERWRITING BUT THE SYSTEM USED BY INSURANCE COMPANIES IS OUT OF CONTROL. ESPECIALLY WHEN ATTEMPTING TO GET A CORRECTION OR FIND OUT WHAT IS CAUSING THE PROBLEM IS ALMOST IMPOSSIBLE. IT IS AN ABUSE OF THE SYSTEM WHEN IT IS USED THIS WAY AND YOU CAN NOT DO ANYTHING TO CORRECT IT. PLEASE ADVISE ME AN APPROPRIATE WAY TH PROCEED. THANK YOU

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 2022-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have included a PDF letter listing all errors or wrong accounts on my credit 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 2023-10-13
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2018-12-24
Company: Home Point Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've always paid my mortgage payment and have been with Homepoint Financial Inc since I bought my house in XX/XX/2017. In XX/XX/2018 Homepoint stated that they didn't have insurance verification and were charging a hazord fee. I've had insurance and the insurance company, XXXX XXXX XXXX, sold our policy to XXXX unbeknowest to us. When Homepoint tried to reach out to XXXX XXXX XXXX they didn't provide documentation. Since finding this out, we've contacted XXXX and had them fax our policy and verification that we've had insurance. I've talked to Homepoint several times trying to fix the problem and verifying that they received verification from the insurance company. When I speak to Homepoint they state that the problem is fixed. I've tried since XXXX to pay over the phone to them for the monthly payment but they will not take my payment and stated they have raised my monthly payment from {$460.00} to over {$700.00} a month. I've sent checks for my monthly payment but they won't cash them. They won't accept my payment for XX/XX/XXXX and XX/XX/XXXX. I need help with this company. I've never been late on any payment and this is causing me great stress.

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when i reviewed my credit report and found a late payment on the dates below : 30 Day Late - XXXX XXXX 30 Day Late - XXXX XXXX I am not sure how this happened, I believe that i had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-05-12
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PARAMT REC is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Transunion report says I have an account in collections from a company called XXXX XXXX XXXX XXXX for {$10000.00} opened on XX/XX/2019. This is not mine, I didn't open this account and want it removed from my report immediately.

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 2021-07-17
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Fifth Third Bank keeps sending me emails addressed to XXXX XXXX XXXX. I do not know who this person is, but they somehow got my email. There is not a category for this issue, but I've called, and emailed, with no response, and did so again after another round of emails saying I've changed my user name and contact information. After an hour on the phone and 2 agents, I was told my complaint was emailed to " XXXX '' who would get back with me in 7 to 10 business days. She could not provide me with a copy of that request, nor email me confirmation of the complaint. I don't believe there will be any response ... again. They can't tell me if I have an account registered with them, using my contact information, including my email. They keep asking me for my Social Security Number, but I refuse to give it since I never opened an account with them, and have no idea how they or Mr. XXXX XXXX got my contact information. 

I'm requesting : To be notified in writing To be notified in writing if an account has been set up in my name. 
How they got my contact information and what is going on. 
I want my email and any other contact information they have removed from their database. 
I want to be assured there are no fraudulent accounts in my name, or contact information. If there is an account registered to me, what are the last 4 digits of the SSN # I want these emails to stop. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Companies continue to traffic my non personal information. I have reached out to CEOs of XXXX, XXXX, XXXX XXXX. I have put XXXX, Transunion, XXXX on notice of the fraud. It has been over XXXX  days. All companies continue to conspire against me trafficking my nonpublic information without written consent or instruction by me the consumer. Causing damages, mental anguish, and defamation of character. Willing and knowingly violating federal law. I have made numerous complaints and companies continue to threaten and use abuse practice against me.

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 2018-12-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Its said that I owe XXXX dollars but thats impossible because on the dates thats its said which is in XXXX and XXXX I was in XXXX which is a state XXXX in Texas so how is it possth at I got in debt when Im in  XXXX dont make sense to me I did not give no one permission to do anything under my name so please help me with this problem

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 2022-01-24
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All 5 HARD INQUIRIES ARE FRAUD. THEY WERE PUT ON ACCOUNT WHEN IT WAS FROZEN AND WENT THROUGH ANYWAYS. 
1. XXXX XXXX 2.XXXX  XXXX 3.XXXX XXXX. 
4. XXXX XXXXXXXX XXXX 5.XXXX  All 5 hard inquiries are fraud and we're pushed through when file was frozen. 

They did not follow federal law with FCRA SECTION 609 AND 611. It is so sad they took company to XXXX we're they do nothing for your credit even if customer. They locked me out so I can't even look at account. It is shameful are credit is in place were they don't listen and don't follow American federal law. FRCA is nothing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
They continually call me at work after I have told them at least 6 times not to. This could cause me problems with my employer.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2023 I sent you a letter regarding inaccurate things on my credit report on but to this day, more than XXXXdays have passed but I still got no response. I was told that FCRA obligates you to investigate these negative items within XXXX days and remove them if nothing is found. Bit it has been more than a month now, and your inaccurate reporting still affects my credit nor I get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX Date breach and my got into hands of the wrong person and it is your obligation to fix these errors.

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 2018-12-24
Company: Netspend Corporation
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX NetSpend service rep XXXX said my account was closed and funds would be mailed to me or. I called NetSpend Corporate office and was told Yes, but no reason was given,,, I asked them if they would  allow me time to transfer money to my new account I had to open, corporate office said yes until XX/XX/XXXX, please investigate, reason for them closing my account, I currently have 3active claims in NetSpend Corporate dispute office, XXXX XXXX ,2 claims XXXX, both no service rendered, ,and I paid for 3months with these companies, NetSpend service dispute 45 days for claim status.. please investigate. thanks

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 2022-12-11
Company: EQUIFAX, INC.
State: GA
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 XXXX : XXXX, XXXX  XXXX XXXX XXXX XXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a notice of a new inquiry on my credit report from XXXX. They referred me to Transunion to resolve it but my credit score has dropped as a result of this inquiry.

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 2023-03-16
Company: DISCOVER BANK
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
- A check book was sent to me from Discover- The checks were stolen from my mailbox before I received them- Somebody wrote a check to themselves using my checks for {$8900.00} - I only had ~ {$8500.00} in my checking account- Discover allowed this stolen check to be cashed despite the fact that my checking account had insufficient funds. Discover did not alert me prior to processing the transaction even though the amount was large, the signature could not have matched my signature, and it has been years since I used a check ( red flag ). 

- Discover charged me the difference between the amount of the check and the amount that I had in my checking account ( ~ {$350.00} ) in order to cover the insufficient funds- Discover has passed me around their customer service team for two days without any meaningful progress- Discover has been unwilling to apply a good-faith credit to my account for the {$8900.00} that was stolen while their investigation occurs

Company response to consumer: Closed with explanation