BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
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:
In XX/XX/2022, I began taking control of my credit because my family and wanted to obtain a home. Unfortunately, i was denied because of multiple fraudulent accounts on my credit report and after further investigation, this was a result of my information being compromised during a data breach at another credit bureau. I contacted the necessary bureaus, XXXX, XXXX, and TransUnion to notify them that my information was compromised and I sent in the documentation they required from me. 

XXXX and XXXX conducted their required investigation and removed ALL fradulent accounts. But TRANSUNION sent me an auto reply response stating that they could not look into my claim because they needed more evidence, but in fact I sent everything they requested when i spoke to XXXX in the fraud department at TransUnion on XX/XX/2022. 

TransUnion is violating the following FCRA laws by not looking into my dispute. : FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting and pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states these accounts must be removed within 4 business days upon receipt of this letter.

In additoin, from my understanding while researching FCRA laws and Metro 2 compliance guidelines, all bureaus ; XXXX, XXXX, and TransUnion are legally required to report the same information on consumers reports!! 

I believe they sent me an auto reply letter to grant themselves and additional 30 days to look into my claim, which just isnt fair because these fraudulent accounts are affecting my life and my family 's life. It isnt fair that this " bureaus '' decide when and what they place on our reports!! And just like in of Wenger v Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion may be liable for their willful non-compliance.

I will ensure I do whatever it takes to keep these said " bureaus '' accountable, their misreporting and inaccuracies are literally ruining my life and ability to create a better future for my family. I am truly distraught and depressed that I am unable to get a home we desperately need because there is bad people out there just trying to ruin hard working people 's life. I have included all correspondence i have sent them and as well as proof of identity. PLEASE HELP!

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 2020-01-21
Company: Regional Management Corporation
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: Personal information incorrect

Complaint:
XXXX XXXX The profile has my entire info but it shows many small errors that Make it seems like it's me And its creating a big Problem that's affecting me.

There's Loans and Credit Cards Under my name I didn't Get, the address matches mine, even my last address but my date of birth is different for 1 year but in the SSN the last 4 matches my last 4 ITIN number.

A credit line I had just closed my account without giving me any explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon, I have had a mortgage with the loan servicing company XXXX XXXX for the last five years. Paying on-time, no overdue drafts, even looked at getting cash to cover some home repairs a year ago. Now I get a notice right before the start of XXXX telling me that my mortgage is being sold. I'm looking into the new company, NewRez LLC that apparently is based in Pennsylvania but yet the correspondence goes to South Carolina and the payments to XXXX, TX? I have looked at reviews ( check out the XXXX giving them an A+ rating with XXXX negative reviews and XXXX positive reviews ). I'm sickened, frightened, and worried about the predatory practices that my mortgage has just been sold to. Why don't I have a choice in this process? I'm a good customer, paid when asked, and kept up to date. I'm absolutely dumbfounded in this process and worried as XXXX that is not going to be the case. There's also allegations of running people out due to run arounds on payments received and running people 's mortgages up because they are not paying on-time. I can not live under that umbrella of worry. I am going to call XXXX XXXX tomorrow and give them the business, but please, please, please look into this company. It appears to be a giant sham of a company and treats homeowners terribly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Harley Davidson Financial Services 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: Was not notified of investigation status or results

Complaint:
Under law 15 U.S. C 1681I am very concerned because my credit reports are showing discrepancies. I am very concerned consumer and only want true information about me reporting. Please remove this inaccurate information as you are in violation After reviewing my credit profile on XXXX I identify a discrepancy with account I did not recognize. I reviewed my credit again XXXX and the account continues to reflect on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX there has been no updates and account is still reflecting on the report. I do not believe that the creditor has authorization to access that account nor authorization to collect on the account and the account negatively affects me. Please strike and remove this account from 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: Lending Club Corp
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Despite calling and opting out to XXXX XXXX XXXX XXXX twice in the last six months, I still continue to get prescreened credit offers in the mail from the Lending Club and XXXX XXXX Two to three a week. I have called both and the offers continue. 

Please help me to get these stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Synter Resource Group, LLC.
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:
dated XX/XX/2021 on collection notice amount {$200.00} original creditor : XXXX I never have a account with XXXX and never have owed money to them. 
I tried to call the number on notice, but it keep saying not avail to answer. 
This company keep mailing Collection Notice several times. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX SC XXXX phone : XXXX extension XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Square Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
NOT A DUPLICATE : I can not consider this case closed because Cash app reverse their decision on my fraudulent claim and debited my Cash app. My Cash app balance is - {$750.00}. 

I am appealing their decision for a disputed transaction from Cash App dated XX/XX/XXXX through XXXX XXXX XXXX. 
Cash App debited {$750.00} from my XXXX XXXX banking account that they initially returned ( {$750.00} ) to my account due to fraudulent activity on XX/XX/XXXX ( ref : XXXX : ref ). 

I am a XXXX y/o widow. My service-connected husband of 44 years of marriage, served in the XXXX XXXX, died XX/XX/XXXX ( 6 years ago ). I live alone and I manage all my affairs by my self. 

However, I am asking for your mercy to reverse your decision and credit my account of {$750.00}. As stated in my initial claim letter, I downloaded a " XXXX XXXX XXXX XXXX '' app that gave the hacker access to my Cash App account. At that moment, I believed this " fake '' XXXX XXXX agent was a legitimate XXXX XXXX agent. 
It is unfortunate that this hacker has no respect for the elderly and willfully exploit them. 
I immediately notified Cash app of the fraudulent claim and they returned the money to my account. However, on XX/XX/XXXX, Cash app reversed their decision and debited my XXXX XXXX account to collect the {$750.00}. 

I am on a fixed income and I need my {$750.00} to pay bills. I must save for emergencies as well because I am a widow and do not have the financial support of my husband. 

I am educating myself on recognizing fraudulent activity, such as phishing, which also happened to me. 

Thank you in advance for reversing your decision and return {$750.00} to my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: NAVY FEDERAL CREDIT UNION
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: Old information reappears or never goes away

Complaint:
I have 3 accounts that have should have aged of my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX USA This should have aged off of my report and also shows payment history when I was not actively paying that account. 

NAVY FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA I have two accounts that should have aged off my report. Before settled, these accounts were purposely kept active and open in order to accumulate multiple 180 day late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Santander Consumer USA Holdings 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: Their investigation did not fix an error on your report

Complaint:
Santander Consumer USA has settled a lawsuit with my state SC for their predatory lending practices and agreed to remove negative reporting on affected consumers reports. I disputed this companys negative inaccurate information and nothing was done except the company adding an additional negative damaging statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: EQUIFAX, INC.
State: SC
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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

5. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently checked my credit score and I noticed a account in collections for XXXX, I tried to call the collection and i also tried to file I dispute with the credit Bureaus, they said I would need to file a report with you guys. So when I looked up the original creditor the company name was XXXX XXXX XXXX XXXX XXXX XXXX, I XXXX there company name and all the reviews say this company is issuing debt to people who never even did business with them, I Am XXXX and Im XXXX a XXXX Im trying to grow my credit and this debt is making it harder

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a credit card for Sam 's Club which is processed by Synchrony Bank. I have had problems with them before so I used my XXXX XXXX credit card for a purchase of {$100.00}. I paid that to XXXX XXXX but I received a bill with that amount from Synchrony Bank. I called them and reported that it was an error. They said they would check on it and get back with me. Several days later I got a letter saying that I did owe that amount and to prove it if I didn't. I am a XXXX XXXX XXXX XXXX senior citizen who can't deal with a company that bullies people. This is elder 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 monetary relief
Consumer complaint received 2019-03-24
Company: Experian Information Solutions Inc.
State: NY
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:
Information is reporting on my credit report that does not belong to me. I have never had a cell phone plan or a credit card. EVER! I only use pre-paid phones. And I have never used a credit card in my life. At the time that these accounts were opened, I was incarcerated. I complained to the FTC and also the FBOP because I am unable to obtain work or ever get a cell phone plan Please remove these items from my report XXXX/XXXX XXXX XXXX  - Opened XX/XX/2018 Balance {$1200.00} XXXX XXXX XXXX - Opened XX/XX/2018 Balace {$460.00}

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 2020-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Filed complaint against capital one on XXXX.the complaint id number is XXXX.requested a  copy of the authentic signature of original contract and it was not provided.instead they opened a fraud investigation and I did not ask for a fraud investigation.applicable federal and state laws states that if requested documents not available that account has to be deleted off the credit reporting agencies.this is not a duplicate complaint as this company stated, this is a entirely different complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
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 is missing that should be on the report

Complaint:
Equifax and XXXX absolutely refuse to add my free 100 word statement to my credit report for past and future creditors to view. I have sent letters 3  times to both of them and have all been returned not opened. XXXX   has added my statement to my credit file with no problems at all. I spoke to an Equifax rep yesterday and all she wanted to do was argue and kept telling me there is " no 100 word '' statement that can be put on your credit file. 

I have contacted XXXX XXXX several times over the last 6 months of XX/XX/XXXX in an effort to consolidate my 4 credit card accounts with them. On each one of my 4 XXXX XXXX cards, I pay 23.99 % interest on each card. My goal was to consolidate all 4 accounts and have one  payment / interest rate. 

The reason I am sending this complaint to you is to request that you add this 100 word statement to my credit file for past and future creditors to review. My finance of 12 years and I have parted ways and I have lost over / one half of my monthly income. 

PLEASE PUT THE STATEMENT BELOW ON MY CREDIT FILE : I am no longer able to pay my 4 XXXX  XXXX credit card payments at 23.99 % interest on each card, due to losing of my income. My long term fiance and I are no longer engaged and I have had to stop making payments. Due to being on a XXXX income, there is no foreseeable way for me to continue to make payments or pay off these accounts. My bankruptcy in XX/XX/XXXX was due to wrongful foreclosure. I was advised to include my home to avoid future replevin from the bank. I have a long history of good credit. 

End of statement. 

I am unable to make payments on the accounts below ; XXXX XXXX Account # ending in - XXXX XXXX  XXXX Account # ending in - XXXX XXXX  XXXX Account # ending in - XXXX XXXX XXXX Account # ending in XXXX XXXX   XXXX Account # ending in - XXXX XXXX Account # ending in - XXXX XXXX XXXX XXXX Account # - account number not available I am entitled to a 100 word statement to be placed in my credit file - any help you could give me to get the 2 credit agencies to put my statement in my file for review would be deeply appreciated. Thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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:
I have rights under 15 USX 1681. 
XXXX is governed by 15 USX 1681, and they violated my rights numerous times. I demand the accounts listed below be removed ; XXXX XXXX XXXX  xxxxxxxxxxxx XXXX XXXX XXXX XXXX  xxxxxxxxxxxx XXXX XXXX - XXXX XXXX  xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX  XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USX 1681 ; I have the right to privacy and I did NOT give XXXX  permission to furnish these accounts

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 2020-12-15
Company: AES/PHEAA
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: Their investigation did not fix an error on your report

Complaint:
I have sent 2 letters challenging the accuracy of this account one on XX/XX/XXXX and the other on XX/XX/XXXX, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. This account has 3 different dates last payment XXXX  has XX/XX/XXXX, XXXX  reports XX/XX/XXXX and XXXX  XX/XX/XXXX. How can the creditor have verified the different sets of information? 

You have violated my rights under FCRA with a failure to place this items in dispute and to conduct a proper investigation. This information is both incomplete and inaccurate with three entirely different pieces of payment history reporting. I demand it be deleted immediately.

Company response to consumer: Closed with explanation