BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: Berlin-Wheeler, Inc. (Kansas)
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against BERLIN WHEELER. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 2018-11-29
Company: EQUIFAX, 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:
UNIV OF XXXX has an account on my report from XX/XX/XXXX. They have not contacted me as to debt owed. I had grants and student loans. The information is old and should be off of my report. They are showing the last payment as XX/XX/XXXX to try to keep the account on my report longer than lawful. The information is inaccurate. And all of the other bureaus removed it but Equifax wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting 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:
Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I had recently checked my credit, and had verified that it was in good standing. I was surprised that when I visited XXXX 's website, I was unable to finance a phone purchase, even though the price was so low. I was also shocked to learn that the bank had put a hard credit pull. This was not disclosed on the web site that I visited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My information was sold and bought illegally, because I was a victim of the Equifax data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: AL
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:
Account name : XXXX XXXX XXXX Dispute of Information Pursuant to 15 U.S. Code 1640A I am writing to formally dispute certain information reported by your organization, as allowed under the provisions of 15 U.S. Code 1640A. I have recently reviewed my credit report and identified discrepancies that I believe require immediate attention and correction.

The inaccuracies I would like to dispute are as follows : [ I need the account name, address, account number & any other documents you can receive. ] I need the account name, address, account number & any other documents you can receive I request that you investigate these discrepancies and correct any errors in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1640A, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice and provide me with the results of your investigation.

Additionally, I would like to request that you notify all credit reporting agencies that have received this erroneous information from your organization so that they can update my credit report accordingly. This step is crucial to ensure that my creditworthiness is accurately represented.

Please acknowledge the receipt of this dispute letter within 5 business days and provide me with a written confirmation of your investigation 's commencement. I can be reached at [ XXXX ] or [ XXXX ] to discuss any further details or provide additional information as needed. 

Failure to comply with the FCRA 's dispute resolution process may result in legal action, as provided for under 15 U.S. Code 1640A.

Thank you for your prompt attention to this matter. I expect a timely and thorough investigation into these discrepancies and the correction of my credit report in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to CBNA several times to inform them that I was not receiving the statements to pay on my account and was unaware the account was past due. I have contacted their disputes department and their managers on several occasions only for them to inform me that there was nothing they could do on their end to assist with this situation. 

The reporting of the lates is reflected on my credit reports from XX/XX/XXXX- XX/XX/XXXX they only offered to wave a {$25.00} late fee ; however, I disagreed because it is not my fault that the statements were not being received.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Submitted request the Free Annual Credit Report online to TransUnion and after providing all my correct information as requested by them and and answering all there questions for verification. 

THEY DENIED IT.

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 2023-09-14
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed for Bankruptcy on XX/XX/2012, Bankruptcy number is # XXXX. This chapter was dismissed by total discharge in Bankruptcy court, however it's still reflecting on my Transunion and XXXX credit report. This item need to be deleted due to reporting incorrectly and removed permanently, and a new credit report and score should be issued reflecting this item was removed.

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 2017-08-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Anything due with ACCTS. Linked to address of XXXX Georgia us fraudulent, I never lived at or close to that address or town

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Incomm Holdings Inc.
State: UT
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I reached out because the front of the card was scratched off as well as no security code. I reached out and they want me to send a bunch of information over to a random email without any confirmation emails or anything to confirm if this is even legit. They want my ID which im waiting for in the mail but I do have my Drivers Permit they give you while you wait for the actual card which they stated they are unable to use. They also request me send a copys of my bills and the receipt which I didn't receive as it was a gift from my girlfriends mother. I don't feel comfortable sending all this information to a company that can't send me any confirmation emails or anything whatsoever. Also the whole time I talked to this person the only thing I can hear CLEARLY was his TV. I even mentioned it multiple times and he didn't even turn it down. Makes me think its not even legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
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: Account information incorrect

Complaint:
I sent a letter to XXXX, XXXX, and XXXX disputing items on my report that need to be removed. I asked for them to update my personal information ( name, address, job, and no phone number ). I asked for the original contract ( my wet signature on it ), creditor information ( name, address, and phone of the original owner ), payment history and itemized billing of the account, and proof of ownership ( proof of authorization of ownership ) for other items listed on my report. I asked for a copy of my updated credit report. I have not received any of this information from anyone. I have not even received an update copy of my report. I would like for you to look into what is going on with my credit report. I sent the letters XX/XX/2022 and now, it is XX/XX/2022. I still have not heard anything from the credit bureaus. There is at least one that is reported on my credit report twice. The information is also different on each report. There is one derogatory mark on XXXX, XXXX on XXXX, and XXXX on XXXX. The companies names are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I have never received any bills from these companies nor have I ever heard of any of these companies. XXXX 's Account # XXXX, and XXXX. There are no account numbers for XXXX or XXXX for tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-04-23
Company: Finco Holding Company LLC
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting the DAY a payment is due they start calling that morning leaving a message saying it is urgent I call them. The payment is due on the XX/XX/XXXX of every month and they call that morning of the XX/XX/XXXX to ask about the payment. Im usually not paid by then so I get them at a later date of payment. They will send the emails in The payment is due on the XX/XX/XXXX of every month and they call that morning of the XX/XX/XXXX to ask about the payment. Im usually not paid by then so I get them at a later date of payment. They will send the emails in caps, Saying it is urgent to call them when Im usually only a week or two late on the payment. They always say it is urgent to call them on the date the payment is due. 100 % of the time I have the payment by the end of the month to  them is just where the payment plans is a bad payday for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft.

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started the refinance application in XXXX of XXXX, and it took us until the end XXXX to almost finish it. In late XXXX XXXX we had finally finished all the paperwork and were told we were all set and not to pay our mortgage for the month of XXXX ( we have the emails ). We had the notary on her way to our house when she called and said XXXX ( XXXX ) had not sent over any files. I called my loan agent and sent multiple emails and never got a response until XXXX of XXXX. Since we were told not to make a payment that month we used that money to pay other bills, and for the next several months we were a month behind on our mortgage payments. Along with us budgeting with a lower monthly mortgage payment. The way this was handled along with with no response for months along with all the extra fees {$40.00} a month along with raising our mortgage almost {$200.00} a month because we were late due to their actions was unacceptable. When I spoke with the company they said I should of not listen to the agents and paid the months mortgage

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for Paypal credit on XXXX and got denied regardless of the reason for being denied I have the right to credit. Denying me access to my credit under the Equal Credit Opportunity Act is discrimination. Withholding my access to my securities is securities fraud you are violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are denying me, my credit please retract my application thank you. 

XXXX, XXXXa attorney in fact 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 2019-04-23
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have wrote several disputes to Experian on ( XX/XX/XXXX and XX/XX/XXXX ) about the following inaccurate accounts appearing on my credit report. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX, # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report reflects such errors. 

Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date. This is the 2nd letter from Experian dated XX/XX/XXXX says they will not investigate the items. They are in violation.

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 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 and XXXX continue to report Bankruptcies on my report in which proof were sent to them that they are not verified from the courts and they keep stating the information was verified without proof of how they supposedly are verifying information that in fact is not being verified from the XXXX Bankruptcy courts. So they are engaging into unfair practice of lying to there customers in which can and will lead to litigation. I have tried 3 times to resolve this and all 3 times they just say verified without validation or proof.

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