BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681.

XXXX XXXX XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$440.00} Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on 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 2023-08-08
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: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and 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 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
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:
Unacknowledged Dispute Request - Urgent Attention Required I XXXX XXXX am writing to express my frustration with your bureau 's failure to acknowledge my dispute request, which violates the Fair Credit Reporting Act ( FCRA ) guidelines. Please be advised per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have 4 days to respond or remedy the said information listed below. I have also sent out the dispute request electronically as well as certified to all establishments in question. 

It has been well beyond the legally mandated timeframe, and I have not received any acknowledgment from your bureau. Moreover, I find it deeply concerning that only some information was acknowledged, while other crucial details were overlooked or ignored. 

This marks my third attempt at reaching a resolution, highlighting the repeated challenges I have encountered in seeking fair treatment. It appears that your bureau may have selectively chosen what information to acknowledge on the dispute request. This raises significant concerns about the impartiality and thoroughness of your investigation process. 

I demand immediate acknowledgment of my dispute and a thorough, unbiased investigation of all disputed information. Please respond promptly to avoid further legal action. 


Please see attachments below. 

Thank you for you swift cooperation in this matter.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-09
Company: BSI Financial Holdings, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made an online payment on XX/XX/ for the amount of {$1800.00}. On XX/XX/XXXX  there were two separate transactions from my checking account for {$1800.00} for the mortgage company. I called the mortgage company to inform them of the error and they are refusing to refund the payment stating that the payment was applied to another month that I owed. There apparently was an error with the online service that duplicated the payment. I think that if an error occurred they should try to correct the error. It has nothing to do with what I owed. The system made an error and I should be refunded. Also, on XXXX I called and spoke with a representative who stated that a ticket would be put in for the error and when I followed up on the ticket today they are saying that due to past due payments they will not refund the payment taken in error by their system. This error has caused hardship for me and my family. I need the money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
For the last several years Capital one has been conducting soft pulls on my credit and sending me offers. Some of these include prequalified offers. On XX/XX/XXXX I responded to one of the offers and a hard pull was conducted on my credit dropping my score about 5 points. The card responded that I needed to provide proof of income which I complied with. The card application was ultimately declined and the company cited they still could not verify my income. I am a XXXX vet currently receiving a pension as well as education benefits. I am not currently employed because I am a full-time XXXX student. I will be attending law school in the fall. This means my income is a mixture of student loans, merit scholarships, GI bill housing allowance, and XXXX payments for my service-connected XXXX. My application was denied solely based on the type of income I have which I believe violates the equal credit opportunity act. After the denial letter arrived I received a pre-approved letter for a different type of capital one credit card. The notice stated to enter a code to accept my card. I believed the card was associated with the first application so I entered the number. The card pulled my credit again and I received an e-mail shortly thereafter to provide yet again my financial information. These two transactions have dropped my credit score 12 points and I still do not have a card. On XX/XX/2018 I called capital one an spoke with XXXX operator number XXXX. I asked XXXX to cancel both my applications and remove the credit pull on my account. I explained I believed the company violated the equal credit opportunity act because the sole denial reason was my income. I also explained that upon further research I saw Capital one paid a 3 million dollar fine for discriminatory lending practices and I did not want to do any business with the company. I asked that they never pull my credit again ( soft pulls ) and never send preapproval notices again as  they are just being used as scams to get people to apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX with Ulta which goes through Commenity Bank. I knew I was going out of town and didn't want to forget so I logged into my account for the first time after making my first purchase on the card to pay my balance in full. I paid the balance and it was showing as paid in full on the account with a {$0.00} balance. After 3 weeks passes, I receive a notice in the mail saying my payment was refunded to my bank and now I had a penalty and a late fee applied to my balance. I called and called several different days during different times. I tried to log in to the online account all during the time from mid XXXX to early XXXX. I was unable to ever speak with a representative because the phone would just ring forever, disconnect, a message would come to tell me to hang up and try at a different time. I sent a secure message online and now the website says they are unable to reply in a timely manner and to call them. I have reached out to ULTA directly and they are aware of the issue begging people to keep trying to call the bank. There are hundreds of reviews as well as XXXX  complaints online saying the same issues that I have been having. Please shut this business down and never allow them to do banking in the future. Then later I was actually able to get in the online account randomly. I made my payment for the original amount I payed. To my surprise, the payment posted and went through but it took 4 days to post on my bank. I am not going to pay for that bank 's fraudulent business practices just so they can attempt to squeeze some fees out of people who got the card to get discounts on purchases to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/17 I discovered Enhanced Recovery Corp had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-03-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
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:
Carrington Mortgage Loan : XXXX I am an XXXX XXXX XXXX. I was stationed overseas until late XX/XX/XXXX. Prior to deployment my mortgage was with XXXXXXXX XXXX. Each month XXXX XXXX automatically debited my bank account. My XXXX orders were extended from XX/XX/XXXX to XX/XX/XXXX because of the Russian/Ukrainian crisis. When I returned home in late XX/XX/XXXX I learned for the first time that XXXX XXXX had transferred my loan to Carrington Mortgage sometime in XXXX. Carrington Mortgage did not automatically debit my account. Instead, Carrington Mortgage said I was delinquent and reported delinquencies to the credit reporting agencies. When I first learned about the delinquencies and the past due amounts I immediately paid what was owed and I set up auto-pay with Carrington Mortgage . However, Carrington Mortgage refuses to remove a 90 day delinquency from my credit reports. I have never had a single late payment in my life on any account. I am worried that this delinquency may jeopardize or have consequences for my nearly 18 years of XXXX XXXX XXXX Given the circumstances of my XXXX, I respectfully ask that any and all delinquencies being reported by Carrington Mortgage be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Bureau last XX/XX/XXXX, and still nothing from them. The inaccurate accounts are constantly reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : Late Close XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$71.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$120.00} XXXX XXXX XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: NY
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 sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Correspondence was sent t o ARS LLC o n  XXXX / XXXX / 2017  inquiring about a {$1700.00} medical debt reported to  XXXX ,   XXXX    &   XXXX . I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact tha t ARS h as never provided any verification of debt, further proves this for me. FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illegal for  ARS to contin ue reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$310.00}

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 explanation
Consumer complaint received 2022-07-15
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The original complaint that I filed has been closed, so I am opening a new complaint. 

LoanCare charged me for a payoff statement and has documented with the CFPB that they charged me for XXXX. They have not provided the payoff statement. I have two past payoff statements which are incorrect and LoanCare 's representatives have confirmed that past payoff statements were incorrect. LoanCare has not provided the most recent payoff statement that I was charged for. 

It is over XXXX weeks since my loan was paid in full.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2023-11-01
Company: Experian Information Solutions 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 XXXX  Account Number : XXXX Account Name : Untitled 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 2022-10-27
Company: Experian Information Solutions 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:
After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or XXXX and my XXXX amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent Collections XXXX XXXX  LLC- {$460.00} XXXX XXXX XXXX- {$620.00} Inquiries XXXX XXXX ( Bank ) XX/XX/XXXX 2022

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 2023-03-30
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation