BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
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: 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 XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC 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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-12-02
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD IN MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT ARE LISTED.

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 2021-11-03
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed case No. XXXX with your agency against Mountain America Credit Union and their loan servicer XXXX. 

Today, XX/XX/2021 I went onto Mountain America 's website, signed into my account to make my mortgage payment and my access was removed, I was not allowed to make our payment. The message I received was " One Time Payment Your loan is not eligible for a One-Time Draft payment. Please contact the Customer Service Department at XXXX ( XXXX ) XXXX with any questions. '' I called XXXX, which directed to XXXX and spoke to XXXX in the Bankruptcy Department. XXXX stated because we filed bankruptcy they would not take our payments. I stated we were not behind on our payments, we had never paid late, and our mortgage was not listed as a debt to discharge. XXXX and Mountain America are refusing our payments to place us delinquent and trying to illegally force us into foreclosure. 

Talk about retaliation for our complaints against Mountain America Credit Union and XXXX refusing to remove the PMI from our loan in complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint today XX/XX/2019 because Equifax has ignored my post marked and USPS Tracking verified request received on XX/XX/2019 to provided me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom It May Concern, I am writing to formally contest the inclusion of specific items within my consumer report that I believe have been reported without my explicit written consent. I am raising this issue in accordance with the provisions outlined in 15 USC 1681b, which safeguards the confidentiality of consumer information. Additionally, there is no record of written consent to include my XXXX XXXX  bankruptcy in my consumer report. 

I have previously filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized disclosure of my personal information, which I strongly believe constitutes identity theft. I have been assigned a reference number for this FTC report, identified as XXXX. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly halt the reporting of any information in a consumers file that the consumer identifies as information stemming from suspected identity theft. I respectfully request that you comply with this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name- 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

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 2022-09-08
Company: Credit Karma, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Submitted card application from a Credit Karma advertisement that mentioned I had high chances on getting approved and was denied. Looks like issue keeps happening and my credit score got affected because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: JPMORGAN CHASE & CO.
State: GA
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:
I was in debt with 2 Chase credit cards for several years and I paid a large sum of money to Chase to get my balances down and improve my credit score. As soon as I get these balances paid down Chase decides to drop my credit limit to {$300.00} over the amount of the unpaid balance. The point being I paid these high balances down to help my credit score and Chase uses the pay off to decrease my credit score. The problem being I paid the credits down to increase my credit score, High available credit but low balances. Chase drops my balances, so my credit card is showing full balances. So my credit score took a double hit, one for credit decreased and two for maxed out credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Comerica
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Direct Express put a " freeze '' on my card on XX/XX/2023 because they said " fishy business '' had occurred with my card. 
They did not tell me what the " fishy business '' was and they did not call me to let me know that they were freezing my card. 
Later, they said if I could prove that no " fishy business '' had occurred with the card ; that they would " unfreeze '' it. 
I proved it and they still have not unfrozen my card. 
I have had my card on me this whole time. 
They hang up on me when I call about the situation and they put me on hold for over an hour at a time. 
SS does not affiliate with them. 
Thank you for your help. 

XXXX XXXX my Social Security, XXXX XXXX XXXX, and other federal benefits be safe? 
Yes, with the Direct Express card, your money is XXXX up to the maximum legal limit. In addition, the consumer protections required by Regulation E ( 12 CFR 1005 ) and XXXX XXXX XXXX ( exceptions may apply ), protects you against unauthorized use of your card. When promptly reported, this will apply to your debit card account. Finally, if your card is lost or stolen, it will be replaced upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I originally had XXXX financial services when I first had my loan then it was sold to FAY financial services. This was at the beginning of my mortgage using XXXX, XXXX of 2020. Before my mortgage was transferred to FAY financial services, I had an agreement with XXXX about forbearing my mortgage payment. According to the CARES act that was passed in XX/XX/2020, anyone that has a forbearance agreement is not to have any delinquent or negative reports to their credit. My entire mortgage I have never had a late payment. The only reason this payment is marked as late, is because I was not made aware of the transfer of my mortgage to another company. I personally had to search around, call my previous loan company, and find out how to make the next payment and to who. FAY financial services refuses to acknowledge that I had a previous forebearance agreement with XXXX. The fact that my mortgage was transferred ( without my knowledge ). Ever since COVID, there has been so much miscommunication and confusion. I spoke to an agent at FAY in XXXX, after this whole ordeal and was informed that the late payment report would be removed from my credit. Im sure this can be confirmed with any recorded calls from FAY under my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: TN
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:
I HAVE NOT RECEIVED UPDATE ON THE INVESTIGATION, ALSO THEY HAVE BROKEN THE LAWS WITH REPORTING. EQUIFAX AND XXXX have violate the PHIUnder HIPAARules. XXXX is health informationinany form, including physical records, electronic records, or spoken information. Therefore, XXXX includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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:
In accordance with the Fair Credit Reporting Act, the accounts on XXXX, Transunion and XXXX ( my consumer reports ), they have violated my rights 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions As well as the Truth in Lending act, I was never made aware of my right of recession from any loan or credit card I took out, which automatically makes the contract null and void.

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 2023-01-17
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I have tried to get in touch with my lender to postpone the foreclosure or do something to postpone the foreclosure. I have figured a short sale is the best solution for my house. Please I have already completed the short sale packet that I received from them and have my property listed with a realtor. I already have a few offers on the house. My home value is around $ XXXX and I believe I owe above that. My realtor is determining values depending on the offers we are receiving.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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:
YOU DID NOT VERIFY MY BANKRUPTCY AS REQUESED PLEASE FOLLOW THE FCRA AS PER THE LAW. PLEASE READ THE RULES AND FOLLOW THEM AS REQUIRED BY LAW. 

Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification. I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. Part 6 & 7 : Section 611. Procedure 1 ) The person you spoke with at the bankruptcy court 2 ) Provided me a complete copy of all the information that was transmitted to the data furnishers as part of the investigation as is required by FCRA : 3 ) Who did you speak with? 4 ) What was the date of your inquiry? 5 ) How long was the conversation? 6 ) What was the position of the individual you spoke with? 7 ) What number did you call? 8 ) What is the name of your employee or their I.D . number of the person that spoke with directly? 9 ) What number did your employee call? 10 ) What is the position of your employee that spoke to the at the Bankruptcy court? XXXX did not follow the law, the Fair Credit Reporting Act section Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through as listed above to include all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. It not delete the Bankruptcy from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion fail to submit documents to validate all fraudulent inquiries and accounts on my credit report. I sent notarized affidavit and dispute letters proving that these account i have listed are not mines and they do not belong to me. i have been in contact with all companies listed in affidavit and they have not yet respond to my issue. this has become very stressful and is keeping me and my family in a terrible situation. its been over a year i been fighting these accounts. For the record i am XXXX XXXX and i am submitting this complaint myself

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 2017-09-11
Company: EQUIFAX, INC.
State: IN
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:
From XX/XX/XXXX to XX/XX/XXXX there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. I have attached 2 examples where these hard inquires have not be accurately verified and validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: NY
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 sent my letter to the credit bureau stating that these accounts are false and aren't mine and to please " investigate '' every piece of information on the accounts that I have listed. Also, I have attached the letter that I sent out most recently. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or livelihood is obtained through personal interviews with neighbors, friends, associates of the consumer reported on or with others whom he is acquainted or who have knowledge concerning any such items of information. I need a proper investigation completed along with every piece of information reported 100 % accurate pursuant to FRCA 15 USC 1681.

They violated my consumer rights numerous times according to 15 USC 1681.

According to 15 USC 1681 section 602 A states I have the right to privacy.

According to 15 USC 1681 Section 604A Section 2 it states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 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 accurate Please delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-09-08
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:
This is my 10th CFPB complaint submitted regarding the removal of the fraudulent accounts and information being reported on my Credit File. I was a victim of identity theft and that my Personal Information was stolen and used to open these items without my knowledge. I never received any benefits as a result of my identity being stolen. Under the Fair Credit reporting Act section 605b, The Credit Bureaus are required to remove these items from my Credit report and provide any proof of verification if they claim that the items belong under my name. I am submitting this CFPB Complaint to request the Credit Bureaus to please remove the disputed account completely from my Credit Report : XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00}. The Credit Bureaus ' willful non-compliance with the FCRA statute is a clear violation of a consumer 's rights. If the Credit Bureaus claim that the dispute accounts and information belong under my name, I need the Credit Bureaus to please provide me copies of proof of verification to prove their claims.

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