BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
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: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

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 2022-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Complaint Against Lender : CAPITAL ONE BANK USA XXXX On XX/XX/2020, a total of ( 2 ) payments were set up and scheduled for automatic payments through the mobile app to reflect towards both MasterCard accounts with Capital One. 


XX/XX/2020, After attempting to make a purchase using one of the cards, I notice that the balance did not include my previously scheduled payments, so I reached out to Capital One. At this moment I was informed that the payments were missed and I had a past due balance on both accounts. I informed them that the accounts were scheduled and set up for automatic payments in XXXX. After an account review, the representative informed me that there may have been an issue with the app version and offered a credit for the late fees and a payment option. 

Upon accepting this option I asked that the payments be updated to credit bureaus and they assured me that it would. After reviewing the account I see that it was only reported as an improved account. 

I reached out to the Bank on XX/XX/XXXX and asked that changes be made. The agent said that because of the time frame, I should further dispute it through another department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies which the accounts was opened. I am seeking your assistance to please remove the account which was opened by fraud as per FCRA Section 605B ( a ). I've tried sending my information to the credit bureaus but i am having a hard time getting any help dealing directly with 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 explanation
Consumer complaint received 2023-03-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Card ending XXXX declines for online transactions across multiple sites. Declines via manual card entry and using token via XXXX XXXX. Chase indicates they have no idea why and seem not to be able to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I started disputing inaccurate info on my credit report an I ask credit bureaus to delete any inaccurate info on my report an it was not legally deleted instead after each dispute my reports came back as verified and accurate. I want to know how could the be when the accounts I am referring to are charged off accounts that is reporting a balance, that a clear violation of the FCRA. I also sent an FTC report to prove the account wasn't mine an yet the three bureaus still state that the account are accurate but still reporting inaccurate info to my reports. 


Company or Organization : XXXX XXXX Account Number : XXXX amount- {$270.00} Company or Organization : XXXX XXXX Account Number : XXXX amount- {$150.00}

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 2019-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I don’t have specific dates. Bank of America closed all my accounts that were all in good standing. Wouldn’t disclose reason. When the accounts were closed my auto pay stopped and I wasn’t even aware the accounts were closed. I tried disputing the late fee charge but was told they couldn’t help me because the account was already closed. I continued to pay until a few months ago when a payment I sent through my bank didn’t go through. And was then charged another late fee. I called and wanted to pay off the account in full if they would take the two late fees off but absolutely no way they would do that. At that point I owed roughly XXXX plus the 2 late fees which were $XXXX  each. In protest I decided not to pay anything and now my FIco went from over 800 to XXXX. Please help. The balance now exceeds $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 2022-04-26
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Please remove these account listed immediately! you are housing false information on my credit report. If the accounts arent removed I will be following suit with Monterey demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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:
In accordance with 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. 

XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account  # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX Account # 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 2023-07-26
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2016-01-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax , XXXX and XXXX continue to list and update XXXX XXXX XXXX on my credit file. I have contacted this company several times over several months time frame. This company has failed to respond to any of my disputes. Instead, they have failed to provide me with a debt verification, they have failed to provide me with a right to dispute notice. They have failed to list accurate information on my credit report. I contacted them certified mail in XXXX 2015 at the address listed on my credit file and my certified mail was returned back to me as an unknown address from the post office. Yet, all of the credit bureaus keep updating the account information for this company that I have never done business with. By law, XXXX XXXX XXXX can no longer remain on my credit and I want your agency to make sure that this account is not resold to another agency since this company is too busy to list their correct mailing address on my credit when they update their account, as well as too busy to respond to my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My name is XXXX XXXX XXXX, I have contacted by certified mail each credit bureau as well as the collection agency to only have a failed attempt. My information and one of a XXXX XXXX XXXX have somehow merged. I have provided sufficient information to everyone to only get back send verification. When I ask for verification of these accounts they send to my address XXXX XXXX XXXX information. I know this must violate some privacy laws. If Im receiving her information she might also be receiving mine. My credit score has dropped from a XXXX to a XXXX due to her information being put on my reports. I also have accounts that are not even showing on my reports. I have exhausted all options. So Im not here. Please fix this issue. When my credit is ran they come back with her scores and information. Please Help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My issue is with Transunion, XXXX, and XXXX with a student loan company, DeptOfEd/XXXX  in which each company reports 3 - 90 day lates as of XX/XX/2023. As this is untrue, I have been in deferment since I XXXX  XXXX school. How can I have that many 90 day lates. I reject and am offended by XXXX, Transunion, and XXXX reporting this misinformation. This is keeping me from getting a mortgage and other credit. DeptOfEd/XXXX  has been compensated by receiving their vehicle back. In accordance with the Fair Credit Reporting Act this creditor, DeptOfEd/XXXX, and XXXX, Transunion, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I am tired of being denied credit and having my rights violated. As a consumer, I should be treated fairly, as should anyone any consumer any American.

Company response to consumer: In progress
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There is a collection amount for {$140.00} from XXXX, I've never done business with nor have I applied for any apartment with the company listed above. I had made a dispute with TransUnion to investigate and to provide proof with documentation of my signature bearing my obligation. There is no account number, etc. This information is frivolous.

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 2023-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I initiated the refinance loan with NewRez Loan # XXXX for the property located on XXXX XXXX XXXX XXXX, XXXX CA XXXX with loan officer Mr. XXXX XXXX ph # XXXX NMLS # XXXX. 
I uploaded some of the documents on their website page approximately 4 of the task, the rest of the task I sent them to Mr. XXXX via email 1 ) check stubs on XX/XX/XXXX XXXX ) 1040 income tax returns on XX/XX/XXXX XXXX ) XXXX 's taxes pdf on XX/XX/XXXX After sending him all documents I called him and he verified he received everything, he charged {$600.00} on my visa card for the appraisal. On XX/XX/XXXX I received an email from NewRez with the appraisal report on XX/XX/XXXX I emailed Mr. XXXX asking him how much longer to complete the loan? Because every time I checked the status will say underwriting. He replied by saying it takes 6-8 weeks for the underwriting process, a processor should be assigned to your file soon. There is nothing alarming regarding your file so we are still in great shape. On XX/XX/XXXX the loan became inactive and I tried to get ahold of Mr. XXXX but he was not available or returned any of my messages. 
On XX/XX/XXXX I called NewRez I spoke with XXXX XXXX  and he tried to transfer my call to XXXX but he was not available I asked him to transfer me with a manager and Mr XXXX XXXX  said he was not allowed to transfer calls nor to give any email addresses for any managers. 
Shortly after I received a termination loan letter stating '' CREDIT APPLICATION INCOMPLETE ".

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 an 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 2019-08-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi,In XX/XX/2018 I was past due $XXXX to complete the XX/XX/2018 installment ( made $XXXX payment on XX/XX/18 ) I made a bookkeeping error and made a full payment of $XXXX. That full payment i made in XXXX was applied to the XXXX installment and i was shown past due $XXXX for the XXXX installment. I believe my credit has been impacted by late pays because of the way the funds were posted. Please help me correct this error as i'm trying to clear my name with Ally :) and my credit at the same time. Please call if any questions, i appreciate your help in advance.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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AFFIDAVIT : In this court of record I, XXXX XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX XXXX, Transunion are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : 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 2018-02-26
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX we applied for a line of credit with XXXX XXXX XXXX. The Line of credit was for {$40000.00}. In XX/XX/XXXX, my wife was diagnosed with XXXX and level XXXX XXXX XXXX. The line of credit we had only spent {$13000.00} of the total amount. And fell behind on payments and was in the process of negotiating with XXXX to settle for {$5000.00} to pay off this line of credit. The line of credit went into default and was written off. ( The loan was then sold to XXXX XXXX Prior to Default, which merged with XXXX XXXX XXXXXXXX XXXX. Ditech has written of the debt but not claims we owe then {$45000.00} with no explanation. I have mentioned to them the amount we spent and requested payment history. 

I have requested payment history of the line of credit and noticed something on the payment history that said amount XXXX balance XXXX with a description of former RL. which I questioned and asked for proof which we have never received. I am attaching the payment history and a letter I sent Ditech in XX/XX/XXXX. I have circled the item in question and have not ever been told or given proof of the phantom item. My wife is very ill at this time and I am trying to get this matter settled. I have offered to pay the XXXX to settle the debt. even in XX/XX/XXXX of this year, I have offered to settle the debt for XXXX just to get this matter behind us. And have heard nothing from Ditech. the so called supervisor of our case her first name is XXXX. and would never provide her last name or I do not remember it. 

We desperately need help to get this matter settled and removed from our credit report. I am at my wits end on this matter and Ditech will not settle this matter nor help to reach an agreement. I have asked for proof of the monies spent and they can not provide anything, to verify the money we spend or the balance of what was left on the line of credit before it went into default.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation