BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureau to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: DC
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:
Alot of things that is reported on my credit report should have been removed but is still being reported. It has been pass the FCRA Statue of Limitations ( 7yrs ), however still reporting on my credit. They are falsely reporting accounts that have been paid off and my credit score is Inaccurate. There are still Student Loans that were from XXXX still reporting on my account falsely. This is a violation of the Fair Credit Reporting Act. I have disputed many of these items and they are still reporting on my credit falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, 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:
I am a victim of a data breach in 2013, as XXXX XXXX and all of itts consumer personal financial information was exposed. Because of this recent discovery, I am very concerned about the privacy of my information, which has been compromised and it is all over in the dark web, loan accounts have been opened in my name. I was told to file a complaint now as I sent my dispute in with the major credit agencies with no action taken. A detailed letter of this dispute, my ID and my FTC ID theft report are attached. I'm requesting this information to be block from my credit report in accordance with the FCRA .Please remove all non-account holding inquiries in the last XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: EQUIFAX, 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I am very disappointed! REMOVE THIS FRAUD ACCOUNT ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: AR
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2018-07-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was booking a flight on the XXXX XXXX website. There was a promotional offer, which offered a {$200.00} discount if I applied for a Citi / AAdvantage Platinum Select card and paid for the trip through the card. I applied for the card and received an email almost immediately to say that I was approved. Unfortunately, the email said it would be 7-10 days before the card arrived in the mail. I called XXXX XXXX to ask how I was supposed to take advantage of the promotion, since the flight reservation would be held for only 24 hours. They explained that Citibank should have given me a temporary number with which to pay for the flight. They transfered me to Citibank to receive the temporary number. Citibank said they would not give me a temporary number, and that I would have to wait until I received the card in the mail, at which point it would be too late use that card to pay for my flight. The only reason I applied for the card was to take advantage of this offer, but the process is structured so that it is actually impossible to take advantage of the offer. The promotional offer is a complete 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 explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-04-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS Inc has not provided a full accounting of mortgage loan Mortgage loan # XXXX Property address XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FL XXXX Legal description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To date, SPS, Inc. nor XXXX XXXX XXXX XXXX Owner Trustee of XXXX XXXX XXXX provided, XXXX XXXX XXXX with a copy of validation of the debt - ( actual accounting of mortgage loan debt ) from date of origination of loan to current date -verification of the claim against me ( an invoice signed by the mortgage bank ) -a copy of the contract binding both parties ( XXXX XXXX XXXX and mortgage bank lender ) -full disclosure statement that was provided when loan was originated which outlines -equal consideration and lawful terms and conditions I request an amortization schedule from original mortgage agreement XX/XX/XXXX and each modification. Sps has failed to provide a full accounting of loan since XXXX. I request to see how every payment made on this loan was applied to loan. This information must be made available to XXXX XXXX XXXX in compliance with federal fair credit reporting act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: LEXISNEXIS
State: AZ
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 mailed certified letters asking for the method of verification used to report the information on my reports tha I believe is being reported correctly. I stated that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute and if they could not provide it they needed to remove the items. This was now over a month ago.

I want them to be investigated and I want to pursue action against them at this point. I have tried many times to get this wrong information corrected with no success and it affects my life and is costing me money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
TransUnion lowered my fico score XXXX points when nothing of any significance has changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: I.C. System, 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: Information belongs to someone else

Complaint:
Contacted XXXX  to file a dispute on a collections agency that is fraud. XXXX called back, but the call sounded fraud as the person asked for personal information and then hung up.

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 2019-03-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Navy Federal is in violation of 15 U.S. code 6801-Protection of nonpublic personal information ; financial institutions have a duty to insure the security and the confidentiality of customer records, protect against the threat of security, and to protect against use of such information that could result in harm or any inconvenience for the consumer. Every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the privacy and confidentiality of those customers nonpublic personal information. According to 15 U.S. Code 6802-obligations with respect to disclosures of personal information a financial institution may not directly or though any affiliate disclose to a nonaffiliated any nonpublic personal information, unless such institution provides consumer with a notice that complies with 15 U.S. Code 6803. In general a financial institution may not disclose nonpublic personal information to a third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or other form permitted by 15 U.S. Code 6804, the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not disclosed and the consumer is given an explanation of how the consumer can exercise the non disclosure option. According to 16 CFR 313.4 financial institutions must provide a clear and conspicuous notices that accurate reflects privacy polices and practices to consumer before you disclose any nonpublic personal information to any non affiliated third party. Pursuant to 16 CFR 313.7- financial institutions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose nonpublic personal information about the consumer to a third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right. The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. 18 U.S. Code 1348 makes it an federal offense to execute or attempt to execute a scheme to defraud any person in connection with a security or to obtain or by false or fraudulent pretenses and money or property in connection with that security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report in TRANSUNION. It indicated that the credit inquiry was made by the credit company listed below. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Currently, Iam a XXXX XXXX XXXX XXXX XXXX who filed for a XXXX loan to further my XXXX XXXX XXXX. Using Chase bank, I received my funds and were told that the funds were available for usage in the account, but when I went to the branch to use the money that is a loan, that I am paying interest on is not accessible. They said it was restricted saying I needed to call I have spent over 6 hours on the phone with Chase only to be hung up on all 3x. Now the money that I am approved for is in my account, but now the services and business items I needed for my work i am not able to use due to some mysterious restriction that they cant explain. I want my money that I have been approved for so I can handle XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There was transactions reported by me on XX/XX/2021. Paypal flagged my account as i dispute the charges. I kept telling pay pal that it seems to be illegal charges being made on my account. Paypal denied the charges and i reopened the dispute and told the financial institution. I disputed it right away. Paypal denied it right away again. Told me to take it up with the bank. I told them it never came out how is it I'm seeing it in my Paypal? They were very rude and threatened that if I didnt pay this account my credit would be ruined and the relationship with synchrony would be severed. Paypal let another transaction go through while there was open disputes. Then paypal let another transaction go through even though it was flagged it. The bank said it was fraud for the other 2 payments and said NO. I called and let paypal know it was not to go through because it was unauthorized. Paypal let it go through anyway DESPITE the DISPUTE that was in progress. Why? I asked them why would they let it go through if there was open transactions that were actively in dispute Paypal had the opportunity to STOP that payment. The errors were never fixed and Paypal continued to limit my account, which caused them to fraudently charge my account interest and late fees. They have damaged my credit. How can I efficiently make a payment if the site does not work. They limited my account due to identity, but wont remove the charges or interest fees. An unauthorized payment was paid by paypaland they need to do a charge back from the other party. He has their money. They have flags on my account NOW which should have been there from this scam they pulled and it would. The bank told them it was fraudulent. Why didn't paypal take the appropriate action to cancel the payment? Especially since I nor the bank authorized it. It should have been flagged as unauthorized unfunded or nonpayment. I now have a balance of {$2300.00} on my paypal account because the site is a scam and wont allow me to make a payment. I have to call by phone which they always state long hold times. I have asked them to validate this debt on multiple occasions. Paypal has shown abusive and deceptive debt collection practices, according to 15 USC 1692 this is a direct violation of my rights.

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 2017-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received a chapter XXXX bankruptcy charge off in XXXX. Bank of America ( BOA ) stopped reporting our payments to the credit bureaus in XXXX. In XXXX, BOA stated that the changed the way mortgages are reported to credit bureaus. This is based on a ruling that did not exist in 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