BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney GeneraXXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  never validate this debt due to fact I had certain protections while on XXXX XXXX. The original creditor never complied with notifications to reduce the interest to six percent. XXXX has been advised the original creditor reported this account past due in XX/XX/2016 and this account had been reported negatively past 7 years

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have asked Transunion multiple times to stop reporting my name in a backwards format. I dont use my name in the backwards format. I asked that Transunion represent the paperwork that shows I use my name within the backwards, format, or to fully remove the name off of my XXXX XXXX report With 24 hours this has been an ongoing issue with Transunion for the last 7 to 8 months backwards names on a Credit Report opens the door for credit fraud to occur

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 2023-09-28
Company: SECURITY FINANCE CORP
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The car was repossessed and when we contacted the company they explained the car was sold, but they are still charging us for the car. Im requesting that this be removed from my credit report immediately. The cars value was {$8000.00} and they repossessed the car for {$2000.00} so its no longer my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My information was sold and brought illegally because I was a victim of the equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that i was in fact a victim of this data breached equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A cease and desist letter was written to Capital One about " alleged Debts '', which Capital One stated in a response letter that they honored. The letter they sent acknowledges they're accpetance of my Cease and Desist request. All communication in regards to the collection of " alleged debts '' shall cease and desist. 
Yet, I received a statement of " alleged debt '' from a billing cycle thats is after they sent acknowledgement of the cease and desist which is a clear violation of the Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: PA
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:
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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights . Or a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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

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 2023-09-22
Company: Home Point Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
We have an escrow issue. HomePoint Financial mortgage company and our town put us into major financial hardship. In XX/XX/2023, XXXX XXXX sent HomePoint a letter stating we were delinquent on our property taxes. We were paid in full when HomePoint received this letter. HomePoint sent our town a check for {$14000.00} and our town cashed the check and applied it to XXXX taxes. HomePoint then said we had to escrow taxes and payback the {$14000.00} immediately. HomePoint then told us that our mortgage payment is changing from {$1700.00} to {$5600.00}. We paid XXXX, XXXX, and XXXX at this rate. We called multiple times trying to fix their mistake but we were told it wasnt their mistake and we owed them that money. After reevaluating the loan with XXXX from HomePoint, he determined we were getting over charged. He lowered our payment to {$3500.00}, which is still too high. We paid two months at the rate XXXX gave us, XXXX and XXXX. HomePoint made us payback this in a five month period! 

Our total owed for our mortgage is {$400000.00}. Our taxes, are {$17000.00} per year or {$4300.00} quarterly. For three years we were on autopay for the {$1700.00} a month and paid our taxes without escrow. 

Just doing simple math, we paid {$15000.00} towards the {$14000.00} that was overpaid by HomePoint. HomePoint is trying to tell us we owe {$3000.00} for the remainder of the years taxes and we have to escrow another {$6900.00} before the end of 2023. If we paid this amount, we would be escrowing {$22000.00} for 2023 taxes, which are only {$17000.00} which is a difference of {$4800.00}. 

We have XXXX children, ages XXXX, XXXX and XXXX. One in college we are paying for and this put us in such a financial bind that we are now late on almost all of our bills, including our sons college payments. Our family found buying groceries and gas almost impossible. 

We understand that we are responsible for paying our taxes. We were not expecting to have to pay back HomePoint for the {$14000.00} that they paid towards our taxes. That should never have happened but we suffered the consequences of their mistake. 

Is there anything you can do to help us? We would really appreciate any kind of help at all. 

Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: GA
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$12000.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: MI
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:
I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX account XXXX XXXXXXXX, specifically the late payments for the months of XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Several valid requests, accompanying factual documentation, were forwarded to Equifax requesting a thorough investigation be completed to address inaccurate reporting from XXXX XXXX  billing. The university is reporting that I owe an amount of {$4500.00}. This is clearly incorrect and I have attached more documentation to confirm Equifax is simply dismissing any of the documents that I send. They are simply receiving the complaint and closing the issue. XXXX XXXX  has communicated multiple balances owed on XXXX student account and 3 different collection efforts are taking place on one account with multiple unverified balances. These are conspicuous or clear red flags whenever multiple collection parties are communicating multiple balances owed ( which differ in amount ). I am seeing several FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NY
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:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( XXXX ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { XXXX XXXX Credit Card with Account # XXXX } I also respectfully request to be provided specific proof that theses alleged late payments ( XXXX ) were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( XXXX XXXX Credit Card ) for accuracy. If they are unable to provided that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states 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. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments? 

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
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 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 2023-08-24
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:
I am submitting my complaint about the negligence of the Transunion Credit Bureau and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the charge off account XXXX XXXX XXXX XXXX Balance Owed : {$810.00}, resulting in significant harm to my financial standing and reputation. 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, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. I have enclosed copies of my supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and removed the inaccurate on my credit report as required by the Fair Credit Reporting Act. This charge off account should be removed : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 filed FTC Report found inaccurate and unauthorized accts on my report, nobody would help me.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reviewed my credit report and found some inaccuracies. I have enclosed a copy of my ID as proof of my identity and mailing address, and credit report number. Please remove all other names and pervious addresses from my credit report. 
Please mail me a copy of the complete consumer file that you have on me after you act on this dispute. If verified, I request a description of the procedure used to determine the accuracy or completeness

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 2022-10-14
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( XXXX, Balance : {$3300.00} ), XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$7400.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-09-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
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:
I've request document from NMAC which the company never followed up with my request. This company has cause me financial hardship which has put me in a terrible financial obligation. I am trying to buy a home for my family, but I unable to due to the unprofessional way I've been treated by this company. They have violate my consumer rights and this does not meet the FCRA. 

NMAC account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation