BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
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:
Transunion is inaccurately reporting an account on my credit profile. I disputed the item and asked for their method of validation based on my rights under 15 U.S. Code 1692g. They failed to provide any information on how and why they continue to report this on my credit profile. They completely disregarded my complaint and furnished none of the information I requested based on my rights as a consumer under the FCRA. I am following up with another dispute. Furthermore, Transunion is the only credit bureau reporting this false and misleading information on my account,

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against The money source regarding their poor quality of service. I have had several issues with this company, including a late payment that was their fault and their failure to provide me with adequate customer service. 

I reached out to a supervisor regarding the late payment, and they were supposed to call me back to discuss a resolution. However, I never received a call back, and when I followed up with the company, they were rude and unhelpful. 

Furthermore, I have had additional issues with this company, including a lack of communication and failure to provide me with the courtesy of fixing their mistakes. I have tried to contact them to address these issues, but they do not call me back or provide me with any assistance they put a late payment on my credit report for XX/XX/2022 I tried to explain what happened to the agent that was supposed to help me but all he did was try to confuse me I explained they had me cancel the payment on the app and pay it over the phone I have been doing business with the money source for almost 2 years I have never been late always pay on time this is effecting my credit report the last agent I spoke with was XXXX XXXX, I am extremely disappointed with the level of service provided by The money source, and I believe they are not meeting the standards of customer service that are expected. I hope that the Consumer Financial Protection Bureau will take action to ensure that this company improves its service and treats its customers with respect. 
My account # XXXX Thank you for your attention to this matter. 

Sincerely, 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 2019-10-24
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Resurgent Capital Services XXXX XXXX, 2019 Amount : {$470.00} Company is a third party that bought an alledge debt from XXXX XXXX. 
Company had place a debt collection derogatory remark on my record

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been in a loan modification program for 4 1/2 years with Nationstar / Mr. Cooper. Prior servicer was XXXX, who attempted foreclosure after offering a modification, and me complying and following procedure. I head to hire an attorney to make the new servicer honor XXXX promise. Actually paid one attorney XXXX $ who is now in jail, and then the current one who worked the plan out. I have made all payments on time for 4 1/2 years, even after force placed homeowners insurance that I had no say so in. A couple of years ago while checking my credit, which had remained low, despite no late payments, I realized that XXXX XXXX wasnt reporting anything to the credit agencies, however they do report every month that I had 13 missed payments from over 5 yrs ago. Now, as we approach the end of the mod program, and were expecting a loan forgiveness of all of the past dues from XXXX that carried over, mr cooper transfers my loan to XXXX, although they neglected to inform me of the change. In the process, they erased my current account info so i cant make XXXX payment, and also they split XXXX payment into a suspense account on the principal and interest, but dont show any accounting on the escrow payment, which clearly came out of our account and was paid to them. Meanwhile, I had to hire the same attorney again to demand info on my account, which has apparently not been handled yet. This is the identical behavior of XXXX from 5 years ago. From my perspective they are setting me up for foreclosure. The stress and trauma this has caused me and my family is indescribable. Its scary stuff. Apparently the new servicer isnt recognizing the remainder of the loan mod and have all of our loan info incorrect. We need help. My attorney recommended filing a complaint with the CFPB. Our program is the standard HAMP mod program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: KY
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : 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  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( XXXX XXXX, Experian, XXXX ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 


XXXX XXXX XX/XX/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 2022-08-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
FCRA section 609 letter sent to bureau and Experian did not provide actual documentation as requested. Bureau simply asked a creditor if a debt is owed. Actual contracts and documentation needs to be provided or this must be deleted. Investigation not completed and insufficient. 

This is for 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 2020-07-10
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: Account information incorrect

Complaint:
Over 3 years ago I received a loan from XXXX XXXX XXXX XXXX to purchase some appliances. Due to some unforeseen events I defaulted on the loan. Recently I settled the account. I started applying for a mortgage and noticed XXXX XXXX XXXX XXXX had this account coded as a mortgage. This loan nor any loan I had with XXXX was tied to a home or was secure. The loan was for appliances but no collateral was identified when getting the loan. In XX/XX/2020 I disputed this information with XXXX  and Transunion both said XXXX verified the information. In XX/XX/2020 I sent XXXX a letter requesting they update my credit report to reflect this loan as an installment loan not a mortgage because it was not a mortgage. I am in the process of trying to get a mortgage. My credit report has been pulled multiple times and every time I try to obtain a mortgage, I am being told that I am ineligible because of a short sale. The way XXXX XXXX is reporting the account it makes it looks like I settled a defaulted mortgage not a defaulted loan. This account is hindering me from obtaining a real mortgage. When I contacted XXXX they provided me with a statement that said the loan was an installment loan not a mortgage but they continue to code this account as a mortgage on my credit report. Please see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i lost my wallet around the end of XXXX of XXXX by XX/XX/XXXX i had to get a new driver license and debit cards. I didnt report to police cause i didnt get any suspicious activities in my banks account. 

yesterday XX/XX/XXXX i received a summon case XXXX from AMERICA EXPRESS NATIONAL BANK for two credit card accounts, one XXXX XXXX XXXX for the ammount of {$11000.00} and a XXXX XXXX XXXX XXXX  for the amount of {$6200.00} the plantiff 's attorney is XXXX XXXX XXXX XXXX XXXX XXXX Credit cards that i never applyed for and of course never used. 

Looking for more information i order a report with XXXX and check my credit and i found out that different inquires were made. 
On XX/XX/XXXX XXXX XXXX open an account that on XX/XX/XXXX were closed because they couldnt verify my information. 

On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX the thief was trying to apply for credit cards in XXXX XXXX with out success. 

Its another account on XXXX opened on XX/XX/XXXX. I contacted all the companies today and report a fraud, also i put a fraud alert on XXXX. i will a file a written response to the clerk. 

This is the first attempt to inform about my identity theft. Any more information i can get i will submitted eventually. 

Also the accounts with american express were open on XX/XX/XXXX and i was in XXXX in a samll town where i dont even have internet. 
i will attached proof ( copy of my passport ) showing that i was out of the country. 
from XX/XX/XXXX - XXXX XXXX i was in XXXX, XXXX with my family with not internet, no cellphone service. So i was not able to open an account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Avant Credit Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Im a resident of NYS. Per NYS laws, personal loan institutions are not allowed to charge more than 16 % interest per annum. On or about XX/XX/19, I was having financial problems and applied for a loan through XXXX XXXX. Avant offered me a loan of {$10000.00} ( ID # XXXX ) payable in 24 installments automatically deducted from my bank account for {$570.00}. Approximately {$500.00} was kept by Avant and I received around {$10000.00} of the {$10000.00} loan. After making a few payments, I noticed that my principle wasnt going down. On Thursday, XX/XX/XXXX, I called Avant and asked for my interest rate and my daily percentage rate. I was told that my interest rate is 32.95 % and my DPR is .07569863. Neither of those rates include the approx. {$500.00} kept by Avant. When applying for the loan, I wasnt told there would be a DPR or that the {$500.00} they kept wasnt included in the interest rate. I also wasnt aware that NYS limits the amount of interest that can be charged and possible criminal usury laws. It may have been in the fine print but the loan contract was so long and small print and difficult to read and I can not find a copy of the original contract on my online account. I believe in addition to violating NYS laws, Avant is also using predatory lending practices and targeting individuals who are in financial distress. As a XXXX XXXX woman, I am also a minority. I havent missed a single payment. I believe Ive made 8 payments and most of those payments have gone towards interest, not principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Affirm Holdings, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have contacted Affirm many many times and each time they state the problem will be taken care of. I have been using them for years and never had any problems. I had placed and removed a fraud/freeze alert on my account and even received the notifications from the bureaus of it being removed, yet anytime I attempt to purchase anything through Affirm it denies me stating I have a freeze on my account. I like using them to avoid credit cards, and it is really terrible the customer service can not correct the problem, and no one responds via online even though it is always confirmed they have fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 2 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5200.00}.

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 2020-12-01
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: Account information incorrect

Complaint:
I order my credit report from Equifax it reflects I have a negative balance of {$5600.00} a credit limit of {$35000.00} and balance of {$41000.00}. XXXX  no one in the company may know the issue has to deal with them migrating from one system to the next but as through out the whole day. I have been on hold then dropped io the survey. No one has been able to assist to me, unable to verify me or some can either way no answer, no correction and I end up In the survey. I believe there up date has dropped my credit score. My credit limit is not over the limit. I do not have a credit limit of XXXX. The change of their system has impacted me financially, and emotionally. I also ordered the credit monitoring service for {$9.00} because I thought it would be more detailed then the free one they offer which doesnt list the name of balances of creditors just lumps it together. But I paid {$9.00} to look at the same screen that gives me no information. The agents said they could not see any information either. I called to cancel several times they could not locate my account but I have the email to prove I Subscribed. I have the payment holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Recently I verified my credit report an I found a revolving account that Idid not recognize as mine. This company is SYNCB/JC PENNEY . I called the Customer service to claim that credit card but the customer representative told me that the information and the data record did not match and that she did not provide me more information. I request a credit dispute in the credit agencies but the result appear as accurate. I made a police complaint in my country for fraud and theft identity. I do not live in any of the states in the United States.In addition my credit report has other credit inquiries that I never request. So please I need help to resolve

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28
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:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX  XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acciunt # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, NE XXXX BYMAILONLY XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Bonneville Billing and Collections
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received notification of debt from original creditor. My first alert was the hit to my credit report. All I have ever received from debt collector were cryptic phone messages which said they could not discuss matter over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX of XXXX, I disputed several collection items with XXXX, TransUnion and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XXXX of XXXX  and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Northwood Asset Management Group
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The original Debt so said was from XXXX XXXX. A collection company by the name of Northwood Asset Management left a threatning Vocie mail on my phone and my wifes that they will contact my employer and sue me and committed fraud etc ... ... 
I called the number XXXX and I asked for a validation of debt and they refused and again they will sue me. With all the fraud I was not going to settle or admit anything on the phone. ANother number I have is XXXX All I want is a written validation which I never seen or received from XXXX XXXX or northwood

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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:
In accordance with the fair credit reporting act XXXX  account number ( 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 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 instruction.

Company response to consumer: Closed with explanation