BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Started 2 applications with Barclays Bank on XX/XX/19 as I really wanted the benefits of the XXXX and XXXX XXXX XXXX cards. After a few weeks they requested me to send some information. And there are other several information requests after that which I complied with all of them. I charge well over {$100000.00} a month on my company cards and you would think a company would want the business. If they didnt want the business they shouldnt drag the process along after I sent in tax returns credit card statements etc. I was really upset today after they stated my Social Security card was not clear after I sent it in twice and I used inappropriate language and feel bad about that. However after four months the process has gotten really frustrating and its not worth me giving them my business at this point. If the required information for approval it should have been once or twice not multiple times and many of the times I wasnt informed that they needed additional information at times until I called them. The XXXX application # 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 2021-12-02
Company: SANDY SPRING BANCORP, INC.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm XXXX XXXX years old, retired, total annual income about $ 50k. I want to buy new residence home for $ XXXX - I have $ XXXX in my savings accounts and I need to borrow $ XXXX against my XXXX properties ( fully paid-off, no debt ) as collateral valued over {$1.00} mil. until I sell my present residence in XXXX months. I don't want a mortgage, I need a home equity loan or bridge loan or personal loan, whatever the name of this loan is. Regretfully, today the banks do not do this kind of business anymore since they started to operate under " guidance '' of the congress after XXXX  financial crises ( created by the banks and the congress itself ). In other words, banks stopped being a bank in a classical sense. I addressed many banks - XXXX XXXX ( over 30 years with this bank, paid off several mortgages in the past ), XXXX  XXXX XXXX, XXXX XXXX, local banks- Sandy Spring Bank and XXXX XXXX, etc. - no bank can offer me a loan against collateral... 
Please advise where I can borrow $ XXXX against {$1.00} mil. collateral. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have called and mailed letters on several occasions regarding accounts opened fraudulently in my name and I included the Official Affidavit form, Federal Trade Commission Identity Theft Report and Local Police Report. The company keeps on responding with a denial letter which changes each time. One denial letter will state that Merchandise was shipped to customer 's verified address which nothing was ever delivered to my address and I have asked for signatures to prove who was signing for these items which they never would provide. I also asked for a copy of the application in my name which they refuse to provide and also the information used to open the account does not match my information along with the security questions do not match my answers. I never applied for any credit card and there have been several opened with Synchrony Bank and they refuse to accept that this is Identity Theft. The other denial letter states that the account opened greater than 1 year with verifiable payment history which they say was made using a XXXX XXXX  account. I have never had a XXXX XXXX  account and have definitely not made any payments to this company. They also state that customer benefited from use of card/participated in the purchases. I have never even received a credit card from this company and have definitely not participated nor benefited from any purchases. Synchrony Bank is a Fraudulent company who refuses do accept that I am a victim of Identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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:
Please ( REMOVE ) these Items below until investigation is done on all Hard Inquiries listed. 

Pursuant to 18 USC 8,. These companies are violating my consumer rights to privacy pursuant to 1681b 2 these companies have NO permission to report ANYTHING using my info pursuant to 15 USC 1681 a4.

15 USC 6802 I was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which I was not given.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify all Hard Inquiries you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a ( FRAUD ) or ( FRAUDULENT ) Hard Inquiries.

I was denied credit recently because of this my wife got sick because we couldnt secure the loan to help her health. She is barley hanging on at the moment I need this resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was three unknown charges on my account. They wanted to verify if it was mine and that was correct it does not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been compromised. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is very insane. I have no clue who could of done this to me. Please remove these suspicious items from my report. 

XXXX XXXX XXXX  XXXX {$230.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Comerica
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regarding XXXX On or around XX/XX/2019, i received a notification from all 3 credit reporting agencies that The XXXX XXXX XXXX reported an item onto my credit for a collection in the amount of {$2200.00} ( per XXXX ) this item reflects Comerica bank as the lender / creditor. I attempted to dispute this item as i have not had any accounts with comerica. The dispute was denied, XXXX XXXX XXXX reported that the dispute is invalid. 

I contacted comerica bank and was advise my name and information does not match, and that it wouldn't be reporting on personal credit since the item is a business loan/account not a personal one. I contacted best service company and was advised that it is a personal obligation and that they will continue to report it, unless i send documentation in to provide the details. This is not resonable as i was asked about a different last name of an individual or business and denied knowing any of those individuals/entites. I requested they review with comerica and remove the item from my report, to no avail. 

I am requesting they remove this item from my credit immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
What does following the law to your company mean to you? You are suppose to protect me as a consumer but instead your are treating me like the villan. I am a victim of identity theft and I have for the last couple weeks have been giving all the information needed for you to help me resolve the matter. You have responded with laws from the FCRA but you are misusing them. You must study the law and come to the realization that you are wrong. According to the FCRA you must have a valid submission/statement from all parties involve in the matter of this investigation. Since we don't know who cause this horrific crime on my report. There is no evidence for these accounts to stay on my report. The data furnishers can not validate the debt because my information is ofcourse going to be the same because my identity was stolen. According to the FCRA U.S Code 1681c-2 you have to Block information resulting into identity theft within 4 days of receipt. You can not reasonably validate these accounts there is no way to justify this. Protect me and protect my family.

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 2017-09-28
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: Their investigation did not fix an error on your report

Complaint:
In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since XXXX I have attempted to write XXXX and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.

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 2023-02-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am the author of this complaint as well as the attached letter for this complaint I recently checked my credit report and I noticed numerous violations I reached out to the credit reporting agency reporting the information but they did not respond nor did they fix the issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Investigation took more than 30 days

Complaint:
Please ( REMOVE ) these Items below until investigation is done on all Hard Inquiries listed. 

Pursuant to 18 USC 8,. These companies are violating my consumer rights to privacy pursuant to 1681b 2 these companies have NO permission to report ANYTHING using my info pursuant to 15 USC 1681 a4.

15 USC 6802 I was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which I was not given.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify all Hard Inquiries you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a ( FRAUD ) or ( FRAUDULENT ) Hard Inquiries.

I was denied credit recently because of this my wife got sick because we couldnt secure the loan to help her health. She is barley hanging on at the moment I need this resolved 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 non-monetary relief
Consumer complaint received 2017-09-28
Company: Experian Information Solutions Inc.
State: MA
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:
On XXXX XXXX an electronic payment was made to XXXX XXXX XXXX in the amount of {$930.00}. XXXX XXXX XXXX is one of the biggest banks that perform transactions on the weekends ( based on my experience ). I 've never experienced anything like this before. Apparently the Federal reserve does n't conduct business on the weekend which I did not know therefore not completing my traction until Monday? See attached documents from XXXX XXXX XXXX verifying when the payment was submitted/remitted and was submitted to XXXX XXXX XXXX asking to correct the reporting type. I have never been late with a mortgage payment. I need this removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
Please ( REMOVE ) these Items below until investigation is done on all Hard Inquiries listed. 

Pursuant to 18 USC 8,. These companies are violating my consumer rights to privacy pursuant to 1681b 2 these companies have NO permission to report ANYTHING using my info pursuant to 15 USC 1681 a4.

15 USC 6802 I was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which I was not given.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify all Hard Inquiries you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a ( FRAUD ) or ( FRAUDULENT ) Hard Inquiries.

I was denied credit recently because of this my wife got sick because we couldnt secure the loan to help her health. She is barley hanging on at the moment I need this resolved 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 2017-09-28
Company: EQUIFAX, INC.
State: MA
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:
On XXXX XXXX an electronic payment was made to XXXX XXXX XXXX in the amount of {$930.00}. XXXX XXXX XXXX is one of the biggest banks that perform transactions on the weekends ( based on my experience ). I 've never experienced anything like this before. Apparently the Federal reserve does n't conduct business on the weekend which I did not know therefore not completing my traction until Monday? See attached documents from XXXX XXXX XXXX verifying when the payment was submitted/remitted and was submitted to XXXX XXXX XXXX asking to correct the reporting type. I have never been late with a mortgage payment. I need this removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My XXXX husband XXXX XXXX ownes this house and I haven't lived at this property since XXXX. He lives there with his New wife and kids. My Divorce decree confirms that XXXX XXXX should have refinanced the house in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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 have sent multiple letters on XX/XX/2022 to creditors and TransUnion to validate and verify information on my credit report. 30 days past and I have not received a response from either creditors nor from TransUnion. I have then sent the second letter on XXXX to creditors and TransUnion warning them that they are in violation of FCRA by not responding to my dispute and verification request letters. When I log in to service.transUnion.com I see that TransUnion opened an investigation on XXXX and it is showing processing. ( I have attached a print of the page here ). As of today XXXX which is 32 days since they opened an investigation and they have not yet responded to me. That is clearly the second violation of the Fair Credit Reporting Act as the ACT states the Creditors and credit bureaus have 30 days to investigate and respond. I have attached here all the letters I have submitted to the creditors and to TransUnion on XXXX and the second warning letters for not replying on XXXX. 
Creditors : 1- XXXX XXXX / Acct # XXXX 2XXXX XXXX  / Acct # XXXX 3XXXX XXXX  / Acct # XXXX 4- XXXX  / Acct # XXXX 5XXXX XXXX / Acct # XXXX 6XXXX XXXX / Acct # XXXX 7XXXX XXXX / Acct # 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 2021-01-19
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:
DEPT OF ED/XXXX- Account number XXXX XXXX  ( XXXX XXXX  ) - ACCOUNT NUMBER XXXX These two accounts are involved in LITIGATION. It is reporting inaccurate on my credit report. I completed the XXXX XXXX and ALL default is to be removed from my credit file. its reporting false address as well. These accounts are still reporting delinquencies. XXXX  and XXXX  have corrected this account. Theses errors need to be corrected right away or delete these accounts from my credit reports.

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