BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX XXXX : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/2017 Reference # : 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 2022-09-01
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have not lived at this address in over 20 yrs. When my divorce started. I moved out in 2001. I live at a XXXX for the XXXX  and XXXX. I've lived here 12 yrs. They refuse to change my address to the current one. Even though they have called me on my cell phone which I've had with the same number for 12 or 13 yrs. They refuse to update my phone number as well. I signed the deed to the house over to my ex wife 20 yrs ago. The judge ordered her to get my name off the mortgage 20 yrs ago. I have all the court documents stating everything I've told you. In 20 yrs I've never received not one piece of mail concerning the house in question. I've asked them to mail me copies of anything pertaining to the house they refuse. What more can I do. I have one credit card I've never missed a payment or been late. This whole ordeal is XXXX me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
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:
XXXX  alerted me of two credit inquiries on XXXX and one today on XXXX. One was for XXXX  XXXX XXXX for a credit card application with XXXX  XXXX. They have put a stop to it and will reverse it on my credit. However, the second one was USAA bank and i got one inquiry yesterday and one this am. I can not talk with anyone there but they provided me an email. I sent an email, but am awaiting a response. 
I am also concerned because earlier this year, someone attempted to collect unemployment under my name and ss #. I am concerned about id theft and how it will affect me in the future and want to do whatever i can to prevent this. They had my ss #, birthdate and phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2022-09-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed all inquiries on all 3 of the credit bureau because I am a victim of identity theft and have all these inquiries that I no nothing about and did not do also it was a auto loan taken out in my name and my info was shipped around to over 45 companies and now they are not removing them I have filed a ftc report and police report also someone is arrested rite now and told the detectives they purchased my information and also have a acct in my name and they wont help me and talking down on me because Im only XXXX I know I only have two credit unions and thts all I use to run anything all this other shopping around inquiries I did not do and am XXXX Im not getting the help I asked for I also placed a fraud alert on credit and freeze still they wont remove them

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 2022-09-01
Company: Financial Business and Consumer Solutions.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contact the collection agency by their email address and have not received any response, Please see below my dispute to FBCS , Inc : Ref No : Ref : XXXX " To Whom it may concern, This is Not my debt. I have never even heard of " XXXX XXXXXXXX XXXX  '' Nor ever had an account with them! I am very upset that you even sent a Collections letter to a XXXX XXXX, such as myself, and I am reporting your agency to the FTC at XXXX. unit. 


I am also sending a copy of your letter to my Attorney to see what recourse I have against the harassment and false accusations against me. 


Regards, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/2022 ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: LEXISNEXIS
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 been requesting LexisNexis to delete a reported Bankruptcy since XX/XX/2021 due to inaccurate information being reported and it has yet to be corrected. 

According to the attached document, LexisNexis lists their source for the listed Bankruptcy as Maryland Federal Bankruptcy Court-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX. However, I have documentation that the United States Bankruptcy Court, District of Maryland does not report any information to the credit bureaus ( also attached ). They also do not verify or validate information from consumers ' credit files. So I would like to know who at the Maryland Federal Bankruptcy Court-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX LexisNexis verified this listed Bankruptcy with, their contact information and the date said Bankruptcy was verified. 

I will be filing a complaint with the Federal Trade Commission and also contacting a Consumer Protection Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-01-08
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX, I attempted to book travel through XXXX XXXX using the Affirm payment option. At checkout, one is directed to the Affirm website to obtain approval and then returned to the merchant to complete the transaction. After being returned to the merchant page, I received an error message that the transaction could not be completed. After two additional attempts at unsuccessfully completing the transaction, I paid with another method. 

On XX/XX/XXXX, I received e-mails from Affirm stating I had three approved loans for which I was responsible to pay. Worried that the transactions with XXXX XXXX had successfully processed despite the error messages, I contacted the merchant and verified that I had only the one reservation I had paid for and no others. 

I disputed all three loans with Affirm. Two loans were acknowledged to be duplicates and cancelled. For the remaining, Affirm insisted I provide evidence for a transaction that did not take place. I provided confirmation of my purchase which I self-paid for as well as my XXXX XXXX account page print out showing I had only that single reservation. 

Affirm denied my dispute on XX/XX/XXXX. After calling to inquire, the Affirm representative said they contacted XXXX XXXX to verify my dispute and did not receive a response. I believe the dispute should be resolved in my favor without a response from XXXX XXXX proving that I had a reservation paid via Affirm. Affirm is placing the entire burden of proving a transaction did not occur on the consumer when proof should be provided by the merchant to support the charge. 

In the meantime, despite having received no services related to this loan, I have had to begin making payments on the {$1400.00} balance to avoid an adverse impact to my credit report. Additionally, interest charges at 27.44 % APR are accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Affirm 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: Reporting company used your report improperly

Complaint:
I am a federally protected consumer and I am concerned that Affirm Inc may be engaging in deceptive behavior and in violation of my rights to privacy by not being in compliance with the Fair Credit Reporting Act. According to the Fair Credit Reporting act 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) the term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. According to 15 usc 1681s-3 ( a ) ( 1 ) Any person that receives from another person related to it by common ownership or affiliated by corporate control a communication of information that would be a consumer report, but for clauses ( i ), ( ii ), and ( iii ) of section 1681a ( d ) ( 2 ) ( A ) of this title, may not use the information to make a solicitation for marketing purposes to a consumer about its products or services, unless 15 USC 1681s-3 ( a ) ( 1 ) ( B ) the consumer is provided an opportunity and a simple method to prohibit the making of such solicitations to the consumer by such person. After revising Affirm Incs privacy policy, Affirm Inc does not allow consumers to limit what is shared when it relates to information about consumers transactions and experiences. Affirm Inc has in fact shared information solely as to transactions and experiences and refuses to allow consumers to limit what is shared. I, the consumer, have never been provided an opportunity to prohibit Affirm Inc from soliciting anything to I, nor have I provided Affirm with direct consent and as a result of their unlawful behavior I have suffered substantial damages. I hereby demand Affirm Inc to remove any and all negative reports being furnished to consumer reporting agencies. Should Affirm fail to follow demands within 30 days from today, I intend to file suit. This is an official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 tried to get inquiries removed from my credit report as a result from identity fraud. I also has asked TransUnion to update my address and my employers as follows : Addresses that need to be removed : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX Employers that need to be removed : XXXX XXXX XXXX XXXXXXXX This is not my account please remove Acct No. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Hard Inquiries that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Trans Union XXXX XX/XX/XXXX and disputed inaccuracy like wrong names, employers, wrong addresses and unauthorized hard inquires ( below ) be removed from my credit file and they refused to do so and told me to file a FTC complaint and let them deal with the issues. Trans Union has been inaccurately reporting data on, my credit profile for the past XXXX plus months and continue to cause hardship for my family. I am requesting assistance to get the unauthorized inquiries below remove ASAP. I am starting to feel like they are retaliating against me because I filed a CFPB complaints against them XXXX months ago. They have me blocked from access my credit profile online. 
XXXX ( Construction ) XX/XX/XXXX XXXX CREDIT XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX FACTUAL DATA ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX FACTUAL DATA ( Miscellaneous ) XX/XX/XXXX 2021

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 2020-12-17
Company: Synovus Bank
State: OH
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:
This past year I had to claim bankruptcy so I went on XXXX XXXX to see what secured credit cards they suggested. I got a card with First Progress XXXX by giving them a XXXX dollar security and a XXXX fee. As soon as I received my card I registered it on line and immediately paid the XXXX fee. That was on XXXX XXXX. Than I started using the card and sent in an additional 2 payments. There was a first payment due date of XXXX XXXX for XXXX and I made a total of 3 payments before that date, trying to raise my credit score. The 1st payment was on XXXX XXXX to pay the fee, than I used the card for purchases and made another payment for XXXX on XXXX XXXX, and then used the card again and made a 3rd payment of XXXX on XXXX XXXX. After that payment I was not going to use for awhile until I could see if it was raising my score. When I went on XXXX XXXX I seen my score DROPPED 103 POINTS! I was so upset I logged on to First Progress XXXX to see what was going on and they charged me a XXXX late fee. I called them all upset wanting an explanation and they said they will remove the fee but could only do it once. I got upset and told them I was more worried about my credit score and wanted it fixed. They said no, that their information was right so I filed a claim with the XXXX and they ( XXXX XXXX ) referred me to you. I have my bank statements to prove First Progress is lying and taking advantage of people I low places that are trying to get their lives together and start over. First Progress XXXX is in the the business of making money off of low income people. I also believe that XXXX XXXX is responsible also, and should also be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I am disputing several purchases on my Direct Express card. I was locked out of my Direct Express App for several months. I finally got hold of Direct Express and had my App. unlocked. While looking at my purchases I noticed that there were several purchases that I didnt make and my money on my card went down to $ XXXX called Direct Express and explained to them that I had not made several purchase and was in extreme need of help. I gave them all my info including the purchases, dates, names of merchants, and amounts. One of the people said that I could file a claim online and he helped me with it. I let a few days go by because they said I should be looking for a deposit in a few days. I waited a week and nothing showed up in my account. I called today and they said the claim is closed and I was denied.my. My XXXX R # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
BMW financial is reporting my account late when its within 30 days of the federal guideline on making payments past the due date. I have contacted them and XXXX and they have no data or sent anything to XXXX to respond to the dispute. I have disputed this information multiple times and provided documentation to both BMW and XXXX that validate my payment was made within the given time period. I have attached my account statement with my due date and the date it was paid in the amount of {$600.00} on XX/XX/2022 via phone with there representatives since there online site was down for months. My payment is due the XXXX of each month. I have not heard from BMW regards to my dispute and its been over 30 days but they can respond to XXXX in less than 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
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: Information belongs to someone else

Complaint:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I sent in letters to the credit reporting agencies, called over the phone and finally was able to reach a representative for both Equifax and XXXX and tried as best I could to state my claims. Firstly these rep, helpful might I add but they both said they were not stationed in the United States nor could they locate the letters I send it. I'd like for a resolution. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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