BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 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 2023-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the 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 2019-12-12
Company: EQUIFAX, INC.
State: DE
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:
EQUIFAX Unfortunately after the results of an investigation into HIPAA violations, EQUIFAX continues to report these violations on my credit report. XXXX, the company in violation has placed the burden of correcting and updating my credit report squarely on EQUIFAX. I am including in this complaint, XXXX 'S first response to my request ( validation ) which shows their clear HIPAA violation as well as their attempt at placing responsibility on EQUIFAX. I am also including a copy of a letter that will be sent via certified mail as I am documenting my case without error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 2019-12-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Synchrony Bank ( AMAZON STORE CARD ) account never sends me a statement. 
Amazon Prime Account Card. No. is 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 2018-03-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried fixing this on my own directly with the credit bureau and it has yet to be fixed. XXXX & Equifax is reporting 2 accounts with late payments and this is incorrect. 

1. XXXX is showing 2 late payments for XX/XX/XXXX & XX/XX/XXXX. This is absoultely incorrect and needs to be removed immediately as it is affecting me negatively and should never have been reported. 

2. XXXX XXXX is showing 1 late payment for XX/XX/XXXX. This is also absolutely incorrect and needs to be removed immediately as it is affecting me negatively. This should have never been reported late and XXXX is saying it's not on their end. 

Lastly, the address being reported on both XXXX and Equifax that has never been my address and I have disputed and it keeps getting added is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE REMOVE THIS IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

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 2018-02-08
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX, I am an XXXX  who represents the XXXX Family. I am filing this complaint on behalf of XXXX XXXX and her son, XXXX XXXX. In XX/XX/XXXX XXXX XXXX was XXXX. He is unable to pay his bills make phone calls, etc. He gave his mother, XXXX XXXX XXXX his authorization to pay bills and to give and receive information so she can conduct business on his behalf. XXXX XXXX has asked for my help in resolving this matter. In XX/XX/XXXX we mailed a check in the amount of {$4600.00} to Ocwen Loan Serving along with signed authorization. We used the US Post Office to send the check and authorization and paid for tracking. According to the tracking verification,  Ocwen received on XX/XX/XXXX. At demand of Ocwen we also faxed the authorization on XX/XX/XXXX and XX/XX/XXXX, which they claim they did not get. We verified the fax XXXX. As you will see, the second fax number they gave us does not work. When my office could not get the fax to go through the second number, we asked the office next door to fax for us, it would not go through for them either. We want to know where the check is. Why they haven't applied the check to loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached an account that is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached circled pictures of the account with the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: IN
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 have 8 hard inquiries on my credit report that are unauthorized that I did not authorize and need them to be removed immediately.

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 2020-01-24
Company: ProCollect, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ms XXXX and I do not have the greatest history! She was very nasty to me when I called in on XX/XX/XXXX. She is rude and incompetent. Her attitude is poor and she does not have quality customer service. I requested a supervisor and she denied me that right! I hung up and called right back and got Ms XXXX who didnt not address nor care about my concerns and she is supposed to be a supervisor. Yesterday I was able to speak and be routed to Ms XXXX who is an absolute pleasure. I will not speak to anyone at this company unless it is Ms XXXX, as Ms XXXX is rude and I told her I no longer wanted her to contact me. However she contacted me this morning and left a voice mail saying IM GOING TO NEED YOU TO CALL ME BACK. That is not how you conduct business nor is that how you ask for a call back. A more professional way to ask would be to say please return my call when you get a chance. Ms XXXX is not ever to contact me again

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: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received a letter in XXXX of 2023 that my student loans were approved for a borrows defense. I should be receiving a refund of all money 's paid on my loans. I spoke with Ed financial and they told me I had a refund of {$3300.00} coming. My loans were {$60000.00}. I paid {$13000.00}. XXXX was written off in my XXXX 's defense. These amounts aren't adding up. They told me my check was sent to the US Treasury to be printed and sent to me on XX/XX/XXXX. Then I've spoken with at least 10 different people. I have first names and dates. Now I can't reach anybody by phone and they told me it should process soon and it is now XXXX. As an individual. Do I need to contact an attorney .... Doesn't seem like anybody 's here to help the consumer. Once they have your money. Nobody has to account for it. I think the next step is I'm going to reach out to a local news station and show them all the responses for all the people that aren't receiving their money from this company and see if it goes nationwide. What are these people doing with everybody 's money.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on the file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that have been disputed. Please resolve this matter as soon as possible. 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 non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
n 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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : The XXXX XXXX : # XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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. 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 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: MO
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've disputed a fraudulent open account " XXXX XXXX  '' from Experian & somehow, they've verified the information within a day of investigation. The address that's report is even wrong by the creditor. How is the information accurate? I demand this information to be removed immediately. I've submitted open documentations that verifies my personal information.

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 2021-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America is handling my account in a discriminatory fashion due to my age, race, and relgon. They sent me notification that they would be reversing {$79.00} from my account on XX/XX/XXXX. On the XXXX about {$2000.00} was reversed from my accounts without warning. I went to branch to call and see why they took back so much money without warning, they had no good explanation only said it didnt make sense and they were sorry but nothing could be done. Bank of America gives all there other customers fair warning of any changes that will be made in my account. 

Reason for Dispute Reversal - Claim was denied because purchases fit my spending habit, including places I have never used and states I have never visited. 

Claim # XXXX - {$1500.00} - Filed on XX/XX/XXXX ; Reversed on XX/XX/XXXX Claim # XXXX - {$980.00} - Filed on XX/XX/XXXX ; Reversed on 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 2023-07-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; XXXX, Equifax, XXXX to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : 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 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or 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. Any 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. 

I have attached documents showing this horrible mistakes on my credit report.

Company response to consumer: Closed with non-monetary relief