BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My mother has passed away. I am trying to assume the mortgage. This company had told me i could assume the mortgage and is not complying with my signed request for documentation required for the process which they sent me The have had my request handled by multiple departments. Now nothing is happening for me to proceed and all departments tell me this situation is handled by another department. I have been approved as successor of interest and they have mishandled this situation terrible and refused to assist. 

This has gone on for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Collection Letter : Per the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2023-12-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Urgent Request : Rectification of FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing with urgency to address significant discrepancies in my credit report that directly contravene the guidelines established by the Fair Credit Reporting Act ( FCRA ). Upon a thorough review of my credit profile, it's evident that multiple errors persist, pointing to a substantial oversight of FCRA regulations within your agency. 

To underscore the critical points : The Fair Credit Reporting Act is a vital federal statute that regulates the accurate collection, retention, and transparent dissemination of consumer credit information. 

Instances of FCRA violations in my case encompass : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information due to name or social security number similarities. 
Neglect of prescribed dispute handling protocols by agencies. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially for employment purposes. 
Receive notification if my information has been used against me in credit applications or other transactions. 
Dispute and demand rectification of incomplete, erroneous, or unverifiable data. 
Request the removal of outdated negative information within specified timelines. 
I formally request the immediate removal of the listed items below, as they blatantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, clearly evidenced in my recent denial for extended credita direct consequence of errors originating from your agency. 
XXXX following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX This address is not correct. Delete it immediately from my report. 

XXXX. Bankruptcy : XXXX XXXX XXXX XXXX : XXXX XXXX a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Bank XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX I kindly ask for prompt action to rectify these violations within the XXXX timeframe. Failure to comply XXXX necessitate pursuing legal measures to ensure my rights under the FCRA are diligently upheld. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2023-06-20
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I permanently opted out of promotional/prescreened/preapproved inquiry access to my consumer reports with Equifax, XXXX, XXXX, and XXXX in 2017. Proof of this opt-out is certified mail return receipt. 

Even though I opted out, Equifax has continued to allow promotional inquiries by XXXX XXXX, in violation of my permanent opt-out. 

Equifax XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, On XX/XX/XXXX I got an alert from XXXX, XXXX, and XXXX that I had an account, XXXX XXXX XXXX XXXX XXXX  ( Original Creditor ), go into collection by SOURCE RECEIVABLES MNG. This account is not mine. I have not received anything for this debt nor and most importantly I did not authorize this charge/account. 

Please remove this ASAP, I am in the process of buying a house and this has completely ruined my mortgage rates making it impossible to get a good mortgage loan. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Hi - I need help with loadcare. They are charging me late fees when late fees should n't be applied and can not help with this issue via phone support. They 've told me several times that I have to go through their email services, which I have for the last four months and the emails go un-responded to. The good thing is they send you an email which shows that the email has been received and sent. 

What are my options? 
Link : XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX Loan number : XXXX I need all late fees, that should n't have late fees applied back to my account. 

Thanks 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 2021-03-24
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XX/XX/2021 Dear Consumer Federal Protection Bureau, Please be advised that I have never filed a complainant against a credit card company ever before. 

My XX/XX/XXXX account mainly serves as a vehicle for XXXX XXXX Purchases which ends in the number XXXX was compromised with XXXX XXXX Visa card by XXXX with an unauthorized charge against my XX/XX/XXXX credit card on XX/XX/2021 by XX/XX/XXXX ONE TIME FOR A TOTAL CHARGE OF {$540.00} DOLLARS. 

This unauthorized charge by XX/XX/XXXXWAS NOT APPROVED BY THE COMPLAINANT NOR DO WE KNOW HOWXX/XX/XXXX OBTAINED MY XXXX XXXX XXXX XX/XX/XXXX VISA CREDIT CARD. 

This compromised security breach of XXXX XXXX XXXX XXXX VISA XXXX CARD had caused harm by suspending my purchases opportunity at XXXX XXXX AND RECEIVING A CREDIT REPORT ACTIVITY ALERT FROM MY DISCOVERY CREDIT PROGRAM. MY DISCOVERY IDENTITY THEFT MEMBERSHIP HELPS ME STAY INFORMED ABOUT THE CHANGES TO YOUR CREDIT REPORT. RECENTLY, DISCOVER IDENTITY THEFT PROTECTION PROGRAM RECENTLY, DETECTED ACTIVITY THAT NEGATIVELY IMPACTED DAMAGES TO MY CREDIT HISTORY SINCE XXXX XXXX XXXX XX/XX/XXXXVISA CREDIT CARD SENT OUT THIS DAMAGING REPORT THAT MY CREDIT CARD WAS OVER LIMIT. 

I had called the XX/XX/XXXX representative to report this illegal unauthorized charge and the representative stated they would remove the {$540.00} dollar charge and re-issued another credit XX/XX/XXXXXXXX Visa Card which arrived in the mail on XX/XX/2021. 

I had talked with the XXXX Representative on XX/XX/2021 regarding my suspension of charge card privileges and my credit report negative activity alert which I explained has damaged my credit card history by all 3 credit bureaus, including XX/XX/XXXX credit agency. The XXXX Representative says they can not do anything about there negative reporting against me that I am over my credit limit to 3 reporting credit agencies. 

XXXX Legal says they are investigating many other complainants, some class action XXXX s ) investigations surrounding these issues and randomly lowering customers credit limits without notification to the customer card account owners causing hardships and other financial penalties which do occur. 

I pray that the Consumer Financial Protection Bureau will order XX/XX/XXXXto remove there false negative credit reports to all 3 credit bureaus due toXX/XX/XXXX Compromising my credit information and allowing XX/XX/XXXX the capability to approve this illegal unauthorized one time charge of {$540.00} dollars. PLEASE INVESTIGATE XX/XX/XXXXPOLICY AND PRACTICE TO APPROVE THERE UNAUTHORIZED CHARGES AGAINST XX/XX/XXXX CUSTOMERS. 

THIS NEGATIVE FALSE OVER THE LIMIT REPORTING HAS CREATED DAMAGED MY FINANCIAL OPPORTUNITY TO RE-FINANCE MY HOUSEHOLD MORTGAGE AT A MUCH LOWER RATE OF INTEREST. 

I HAVE A CREDIT RATING IN THE LOWERE XXXXXX/XX/XXXX RANGE. 

THANK YOU AND XXXX BLESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX  XXXX and 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 2021-11-17
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My name is XXXX XXXX XXXX and I am filing this complaint against XXXX on my own behalf, as a Natural Person and Federally Protected Consumer, without any connection or involvement with a third party. 

I sent a validation of debt letter as well as a cease and desist to Discover Financial Services which they received on XX/XX/2021. Their response failed to meet my demands. I requested if their information did not meet my demands, to remove the balance from the account. They have not done that. I have filed an identity theft report stating that they assumed my identity as the original creditor as defined per XXXX XXXX XXXX ( g ) I have attached several documents that show what I have done and their response, as well as the identity theft report. I have also attached my passport to show I am reporting this claim myself and not a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I've contacted Trans Union several times concerning the incomplete information on my credit report : XXXX XXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # : XXXX. Trans Union continue to list these accounts on my report with incorrect/missing information. I am once again referring to the fact they're reporting this information with PARTIAL account numbers. And NOT reporting the ENTIRE account numbers, they are NOT reporting 100 % accurate information that is required by SECTION 609 of the Fair Credit Reporting Act. For this cause this is HIGHLY damaging to my credit score.And this is making it very difficult for me to acquire credit. I asked for their method of investigations, i DID NOT consent to E-Oscar or any other automated verification

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 2023-07-28
Company: EQUIFAX, 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: MA
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 items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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:
I sent a dispute letter to Equifax via certified mail regarding accounts that do not belong to me and unauthorized credit inquires. I received a response stating the information I disputed is not in my credit file. I was in complete shock as I looked at my credit report and every item is in fact listed and reporting. So they did not investigate the matter at all. I called today XX/XX/2021 regarding the items and was told they can not help me. I proceeded to ask for a supervisor and spoke with XXXX who said she could not do anything without the documentation. I explained they have the documentation, ad was placed on an extended hold. She then advised one of the unauthorized inquires could be removed and that is all she could do. I advised her I was filing a complaint against them as they are violating the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed my Dept of Ed / XXXX XXXX loan but its still reporting on all XXXX credit Bureau and they have not removed this student loan from my credit report, Personal Information : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX Fl XXXX, XXXX : XXXX Name of company that reported the item youre disputing and the partial account number ( from your credit report ) Account Information : DEPT OF ED / XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : XXXX XXXX Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$0.00} per month, paid Monthly for 240 months High Balance ( Hist. ) High balance of {$66000.00} from XX/XX/XXXX to XX/XX/XXXX Reason for your dispute : Discharged in Bankruptcy Any corrections to your personal information ( address, phone number, etc. ) Name change : XXXX XXXX ( please remove XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone numbers : ( XXXX ) XXXX Website : XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number : ( XXXX ) XXXX Website : XXXX TransUnion Mailing address : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX number : ( XXXX ) XXXX Website : www.transunion.com

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 2023-11-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The numerous unauthorized inquiries that are shown on my file are concerning. Recently, I attempted to acquire a checking account at the nearby XXXX XXXX XXXX XXXX XXXX. I was surprised to see that the bank had refused my application because of an inaccurate Chex Systems report. I'dappreciate a prompt answer, and I ask that you dispute and update my credit record with all of the fraudulent inquiries deleted. 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