BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 u.s.c. 1681.. 
Account Name .... Dept of Education.. Account # XXXX ... Account Name .... XXXX XXXX XXXX Account # XXXX .... Account Name... XXXX XXXX XXXX  ... Account # XXXX .... Account Name .... XXXX XXXX XXXX .... Account # XXXX .... Account Name... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... 15 u.s.c 1681 section 602 A. state 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.

15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting agency may make any consumer report containing any of the following items of information, 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2021-12-08
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
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:
I am a victim of fraud and have fraudulent information reporting on my credit file, I am a victim of fraud and have tried to dispute this inaccurate information due to being a victim of fraud. The following inquiries are fraud and need to be removed from my credit profile due to inaccurate information. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2020-02-04
Company: Prime Business Service, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After checking credit, and from being a victim of identity theft, I reached out to this company serval times and a lack of communication very rude and demanding for payment. I tried to explain to the company that this account isnt mine and I have no knowledge of this account, this account had to be open fraudulently under my name using my identity. This account has been inserted on my credit two times, recently after disputing  with all three Credit Bureau, XXXX XXXX was able to delete the original creditor XXXX XXXX XXXX, this is a third party company trying to obtain money from me in the amount of XXXX $ thats false information from what the previous creditor XXXX claimed I owed before it was removed/ deleted from my account of XXXX I would like for this account to be removed from my credit and a letter sent of deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: SYNCHRONY FINANCIAL
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for Care Credit through synchrony bank. The process for when applying was pretty straight forward, my issues come at the end of the process. I was denied for a XXXX dollar loan but my denial was based on a inaccurate credit score that was off about 200 points. I called numerous times and was put through to different departments in which none of the representatives had the knowledge on how to deal with this type of complaint. I was told to call XXXX and then to give them a call back. This was concerning because in order to get to a representative you have to out in an account number, it took me calling and hanging up along with putting in information such as my SSN then pressing zero for about two minutes to even talk to someone. They make it easy to give your information but hard to obtain help or get information which is very deceptive. I believe that their system is unfair and biased as their system of has my scores 200 points less than any other credit bureau I also have a 100 payment history. I also asked for an explanation on how they made their decision and came up with the credit score that they displayed and I was told that they did not know.

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 2021-05-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax about unauthorized inquiries on my credit report and a letter stating that inquiries are a factual record of permissible reason, maybe not exactly what they stated. 
The point : The following inquiries are not tied to any accounts on my credit file and were associated with accounts under a young lady from XXXX, Miss. I was told to send a FTC report by fax which I did ands still they remain. The letter was faxed XX/XX/XXXX and was told it takes 5 business days! 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following inquiries as the ones above were not tied to any accounts that I have on my account and I did not give anyone permission to access my credit file from these companies. Two were solicitations for a mortgage for a home which I just purchased and I declined their offer. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following inquiry was unauthorized by me and there is no account associated with this inquiry. The date are incorrect as well since I did have an account with them in XXXX. 

XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial has misapplied payments we have made. The assigned representative will not return repeated phone calls. They are now showing us like 4 months past due and I do not find that to be true due to the fact we have made payments, they have just applied them incorrectly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I guess my problem is easy enough to fix but I don't know how to or who to call. I applied for credit at an online store and I'm sure I would have gotten it but they were informed that I had placed a credit freeze on my file. I never have!!! It says that it's Equifax credit that told them that. Can you contact them after you see it's not frozen? It's from XXXX XXXX, Phone number is XXXX and my order number is XXXX. Some things I ordered are for XXXX gifts so I'd appreciate it if you can call them to get my order started. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX And TransUnion is reporting a XXXX account that doesnt even exists in their database or cant even be verify because they dont own it anymore so why would it still be reporting it if its not accurate. I demand a deletion even my report to XXXX couldnt be verify in my previous complaint directly with cfbp.

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 2022-07-14
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to take out a loan from this company called LightStream. Now at the time I didnt know they were a scammer loan company. I gave them my bank info and they went in to my account making False claims on my account and steeling money that wasnt really their. My bank froze my account and told me I been hit by a fraud company that this was not the first time. This all happened the week of XX/XX/XXXX till the middle of this week trying to get things fixed. My credit score is now messed up because the clams they mad were to my financial company for my car. My financial company is also saying I own them money now and the bank has closed my account because this company bent me over in there lie. They are a fraudulent company and need to be stopped before they hurt other people. Im trying still to fix everything they messed up. Its absolutely insane that they can do this and have a whole fake website as well screaming people out of their money.

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 2018-11-19
Company: SECURITY FINANCE CORP
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My loan was disbursed on XX/XX/2018 by XXXX XXXX/Security Finance XXXX XXXX, ID and I was deployed on XX/XX/2018 to the XXXX XXXX. I contacted the company by phone and spoke to XXXX who gave me an email address to send in a request for SCRA benefits under Federal law guidelines. I was told someone would get back to me the same day, no one called me. Under the SCRA my interest rates are to be reduced to 6 %. I contacted the company in the beginning of XXXX and was told they would call me back the same day or the next day. I still have not heard back from the company about a new payment plan or reduction in interest. I feel the company is ignoring me in hopes I would drop the issue and continue to pay them the inflated interest rate.

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 2022-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IN REGARDS TO CFPB COMPLAINT XXXX, I RECEIVED THIS EMAIL FROM BOA REGARDING CONTACTING THEM TO VERIFY I MADE THE COMPLAINT. I UNDERSTAND THE NEED TO TAKE SECURITY MEASURES HOWEVER, I DIDN'T MAKE THE COMPLAINT, I COULD NOT IMAGINE THE CFPB SENDING IT TO BOA ON MY BEHALF. STALLING AND GUILTY!

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 2015-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My LLC called XXXX XXXX, XXXX filed bankruptcy, signed a Stipulation with Chase, and successfully got out of BK, on XXXX XXXX, 2014. Chase refuses to follow the orders of the XXXX Court. They refuse to honor the split or bifurcation of the loan in XXXX parts, a secured part and an unsecured part. Because the unsecured part had a Court approved dividend of 2 %, which is very low, Chase made a fraudulent XXXX stating that they cancelled the unsecured portion of the loan. They are defrauding the IRS with this false " credit '' for their tax return, and defrauding me by stating that I have to pay Income taxes on the so-called Cancellation. XXXX XXXX XXXX. E-mail : XXXXXXXXXXXX. My mailing address is XXXX. XXXX XXXX. XXXX XXXX, CA XXXX Chase Loan number XXXX Property address ( but not mailing address ) XXXX XXXX XXXX. XXXX XXXX, CA XXXX ( Loan has supposedly been sold to XXXX, but is still serviced by Chase ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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: Was not notified of investigation status or results

Complaint:
TransUnion In the results of their FOUR investigation of MY FOUR Disputed Accounts and subsequent re investigation,  stated in writing that they have “verified” that these items are being “reported correctly” ?   Who has verified these accounts?   They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as required under Section 609 (a)(1)(A)  &  Section 611 (a)(1)(A).  Furthermore They have failed to provide the method of verification as required under Section 611 (a) (7).   Please be advised that under Section 611 (5)(A) of the FCRA – They are required to “…promptly DELETE all information which cannot be verified.”  The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-04-12
Company: Experian Information Solutions Inc.
State: SC
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 am owner of business called XXXX XXXX  I moved this business 6 months ago and have been desperately trying to have our address corrected. I call Experian business 3 times at XXXX and was told all 3 times all I have to do is get a copy of said business report from them for a fee and then log into report after all personal information has been verified and correct it. I also did that 3 times as there is a place there to update new address. I have now gotten 3 emails saying they have closed the case and not updated the new address. We are trying to get a bank loan and can not do so until our new address is updated so after I paid {$55.00} for another report as instructed, I still do not have this corrected. This report was purchased from Experian business at XXXX as instructed Old Address XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX  Attn XXXX XXXX New Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Attn XXXX XXXX Please correct this asap

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: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX shows my paid off auto loan as still open and in addition to that it fails to show a payment made on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This was previously corrected inaccurate late payment and derogatory comments such as 120 late for both old closed mortgage accounts XXXX XXXX XXXX and XXXX and it was put back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
tried to cancel an order and amazon asked seller to do so, the seller refused, so Amazon told me to dispute the order, NOW amazon said they cant help because I disputed shipper showed ship item on XX/XX/2022 item was not shipped until today and because Amazon told me to dispute the item they can not help Hello, We've been contacted by a customer regarding the order identified below. 
-- -- -- -- -- -- -- -- -- -- Order # : XXXX Item : Reason : Where's My Stuff? 
Details : Hello, We've been contacted by a customer regarding the order identified below. 
-- -- -- -- -- -- -- -- -- -- Order # : XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collect Reason : refund. 
Details : there is a chargeback if a refund is submitted a chargedback will be take off. 
Please research the issue and contact the customer. 
-- -- -- -- -- -- -- -- -- - To respond to this customer, please reply to this e-mail or visit your seller account at the following link : XXXX XXXX XXXX Sincerely, Customer Service Department Amazon.com http : //www.amazon.com ( http XXXX //www.amazon.com/ ) -- -- -- -- -- -- -- -- -- - To respond to this customer, please reply to this e-mail or visit your seller account at the following link : XXXX XXXX XXXX Sincerely, Customer Service Department Amazon.com http : //www.amazon.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 monetary relief
Consumer complaint received 2021-11-03
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX shows my paid off auto loan as still open and in addition to that it fails to show a payment made on XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NV
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX {$5000.00} XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$770.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XX/XX/2023

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