BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/2022 - Unauthorized Inquiry XXXX XXXXXX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2020-01-28
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Oportun has failed to provide how they verified inaccurate information on my credit profile. They have ignored my request to delete the negative reporting for they failure of reporting this information. FCRA, requires them to report only 100 % accurate and complete information. I am filing this again with the CFPB for the continuation of breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In your package you sent me in XX/XX/XXXX On complaint XXXX documents provided for modification of XXXX and payment history shows modification cost of XXXX which shows escrow overcharge, and payments from XXXX XXXX-XXXX XXXX thru modification not being credited towards principal or escrow. It shows XXXX for escrow but over 9.000 was not credited as payments as payment history n escrow history does not show payments being credited. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SHOWING 4 LATE PAYMENTS I WAS NEVER LATE AND IVE ASKED THEM TO REMOVE THEM XXXX  XXXX REFUSED. I HAVE NEVER BEEN LATE

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 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card XXXX is inaccurately reported my account as closed and as being delinquent. This information is incorrect. I contacted the creditor and was informed that they are reporting the account as open, in good standing with a {$0.00} balance, and as never having any history of the account being delinquent or past due. Please correct this ASAP. 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 2023-06-10
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: Reporting company used your report improperly

Complaint:
my information has been sold to third party companies and thats 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 2018-12-24
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Conns Home Plus has been contacting me for days and days at a time to collect on a debt that is owed to them. Yes I will say that my payment is late for the month. I have tried in the past to call Conns to let them know that my payment would be late so I would not get the calls and still ended up getting calls. So now when I am late it is no need to speak to them because they wont honor they agreement to stop calling. Now moving foward to the present time. The company is calling me from a number that is showing up as a XXXX XXXX instead of Conns or even with a name listed to get me to answer the phone. When I called the number back I told the person who answered the phone to stop calling this number less than 2 minutes later the phone rings again and it is someone else calling from the same company again from the same listed number. They will not leave me alone. I feel as if I am being harrased by this company and no matter what I do they will not leave me alone. Yes I am late on my payment but when I speak to them they still call the next day and the next day and I have to repeat the same thing that shouldve been notated in the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX ; Medical - XXXX ; and XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX and XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: OneMain Finance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
The company practice deceptive sales practices along with payments to harm consumers like me. The loan date of service is XX/XX/XXXX. The total amount received was {$2900.00}, the enormous amount of finance charges was {$10000.00} and the total finance charges were {$7700.00}. The total amount due is {$18.00}, XXXX for 53 months. This is never ending. It increases every month. along with the ADD ONS AND XXXX XXXX XXXX XXXX XXXX XXXX 

The other started in XX/XX/XXXX for {$15000.00}, amount financed {$8700.00}, finance charge {$6400.00} cash received {$3700.00} for 36 months. 

Then the last started on XX/XX/XXXX for amount financed {$8.00}, XXXX. The amount of cash received is {$490.00}. The amount financed is {$9000.00} for 60 months, At some point this has expired and something is paid in full, I have never received the amounts on these loans. The loan continues to reflect a deceptive sales practice and payments that are harmful to me. The payments are increasing constantly. Please assist me with retrieving all moneys due and if what I received from this company is paid in full. Please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Albert Corporation
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My card was declined twice my came merchant do to they enter the wrong zip code. Totaling {$320.00} well XXXX took it out of my account an has a hold on it an merchant has sent multiple emails N IV emailed multiple times an get jow where but told the merchant has a hold an just talking to a robot. I just want my money back

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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:
Under 15 usc 1681a2 I didn't give written permission to have these accounts furnished upon my report. the information is not information relating to any transaction by the consumer.

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 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received an email that they were unable to open account i have not tried to open an account with any bank but received an email from bank of america

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 2020-07-21
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Not only do I dispute this debt, but the debt collector, LVNV Funding, and their attorney, XXXX XXXX, with XXXX & XXXX in XXXX, AZ apparently obtained a judgment against me without my knowledge and without verifying the debt, and then proceeded to locate an individual with a similar name, contact her employer, garnish her wages, and in the process provide her with enough information about me ( including my name, SSN, supposed debt amount and creditor, etc.. ) to track me down and harass me via social media, blaming me for the supposedly mistaken garnishment. 

Since the garnishment was squashed by the court, the debt collector has sent yet another a letter outlining specifics about both me and the debt to another unrelated third party and has increased the total supposedly owed. 

It is unacceptable given a. ) it's not my debt, b. ) they didn't contact me before obtaining a judgment ( or contacted the wrong person ), c. ) they released very personal, identifying information about me and my supposed debt to a stranger who proceeded to harass me, not once but twice, and d. ) they have not stopped their efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: First Technology Federal Credit Union
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  has added to my report .. i have never had any dealing with first tech credit union in 3 years. all of a sudden they reopened a loan that was charged off or 3 years, then they open an new account in my name on there own and sends it to collections. 

There is not documents on me because i never had this loan nor have i had any dealings with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
This is a formal complaint against transunion credit bureau. Transunion failed to ignore a proof copy of my validation letter i sent to the collection agency innovative recovery dated on XXXX XXXX showing that they did not validate the alleged debt. I sent copies to transunion of the validation letter dated on XX/XX/XXXX and asking and in writing for removal of an unvalidated and inaccurate alleged debt from my credit report that innovative recovery was reporting. On XXXX XXXX i received a letter from transunion dated on XX/XX/2020 stating the alleged debt was accurate. This is a violation on both parties the collection agency " innovative recovery '' and also transunion.As a consumer my rights were violated and was never given the information i requested from innovative recovery and transunion flat out ignored the validation letter.The debt was never validated in my validation letter i sent to innovative recovery. And i asked transunion for removal and they also failed to do so after i showed proof that the collection agency never validated the alleged debt. So therefore further action are going to be taken against transunion and innovative recovery.. How does transunion investigation comes back accurate and the alleged debt was never validated that was requested from the consumer..Thats my right to ask for complete validation and my request was never honored ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a financial hardship and thus got behind on my mortgage. I was able to qualify for a hardest hit fund program in Oregon and payment are being made. The Sale date was postponed but the Loan was sold from XXXX XXXX to SLS ( Specialized Loan Servicing LLC ). I was never notified in writing that SLS kept the sale date that it was postponed too prior with XXXX XXXX. SLS has had the Loan less than 40 days and is already going through with the Sale date. I tried calling them and they wouldn't even let me postpone the date so I can try to sell or try to pay the reinstatement amount with OHSI 's program. I received a letter from SLS on XX/XX/2018 letting me know that I was behind and that they have mitigation options but never any notice for foreclosure. They are still receiving payments from hardest hit fund but will not work with me to postpone date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-07-21
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX I was late sending in my payment due to COVID issues. I then paid it in full asap. They are showing a late payment in XXXX on my credit, but they refuse to remove the late payment on my credit report. This dropped my score so I am now losing my mortgage because the score is XXXX points to low. Their late payment on my credit lowered the score over XXXX points. They agreed on a phone call to remove the late payment on my credit plus remove the late fee, but all they have done so far is remove the late fee.

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 2020-07-21
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a US Bank XXXX  in the mail. An insert included said I was receiving the card because I filed for unemployment in Colorado. I did not file. I checked my credit report and there are soft inquiries from the XXXX XXXX CO XXXX, State of IL XXXX/XXXX, and State of OH XXXX/XXXX. I do not live or work in any of these states. I live and work in Arizona. 

I have attempted to call US Bank and each of the states, but they are overwhelmed with calls.

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 2020-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX account has never been late but Experian is reporting it late.

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