BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-09-20
Company: EQUIFAX, INC.
State: NY
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2015-08-31
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a lawsuit against Nationstar Mortgage , LLC, hereinafter referred to as Nationstar, my servicer, and my original lender for various causes of action. I have been fighting them for at least the past three years but more so this past year. My fight has gone on deaths ' ears with the California Judges and they keep dismissing my case for reasons they go against the actual laws, more specifically California Homeowners Bill of Rights. Presently, I have a Motion for Reconsideration that is scheduled for XXXX XXXX, 2015. The new facts that I have presented in my Motion for Reconsideration involves a Notice of Rescission. On XXXX XXXX, 2015, I sent a Notice of XXXX to Nationstar. They received the Notice of Rescission on XXXX XXXX, 2015. Under the Federal Truth In Lending Act, my debt obligation, the promissory note and the deed of trust were canceled immediately, by operation of law. Under the statute, the creditor 's interest in the property is " automatically negated regardless of its status and whether or not it was recorded or perfected ''. Also under the Act, Nationstar had 20 days from XXXX XXXX, 2015 to challenge my Notice of Rescission by filing a lawsuit against me. They have failed to take any action regarding my Notice of Rescission. Because of their failure to challenge the rescission, they have forever waived any and all defenses to my rescission. Under the Act, Nationstar is now in violation of the law, and they are blatantly disregarding my loan rescission rights. I have sent them a letter of non-compliance and have requested they cancel the sale date that is scheduled on my home Thursday, XXXX XXXX, 2015 and that they forward me a release and a reconveyance as required under the statute. I am filing this complaint to inform the CFPB that Nationstar continues to ignore the law and that they are in violation of a Federal Act. Their actions are unacceptable. I request the CFPB take some kind of disciplinary action against Nationstar for their blatant disregard for the law. I am hoping with your interaction, Nationstar will choose to abide by the Act and take the necessary steps that is required of them by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a FEMA disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with XXXX XXXX a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that XXXXXXXX XXXX did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and XXXX XXXX still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXXXXXX XXXX  while we await a loan modification decision from their underwriter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/23 I received a copy of my consumer report from XXXX indicating that I had a new collection appear on my report. Transworld Systems Inc XXXX this account dropped my credit score and I was confused to how such a thing could happen when in fact I have never owed any debt with this collection agency. I requested an immediate investigation in which I requested verification and validation of compliant reporting in the form of a notarized statement by someone with original knowledge of the debt, attesting that it was legally incurred, not used as a profit-loss tax deduction during the payable period, and not claimed as a loss with any insuring entity during the payable period. I request proof of any and all claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-09-21
Company: Resurgent Capital Services L.P.
State: IN
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. XXXX XXXX : account # XXXX XXXX XXXXXXXX : account # XXXX XXXX  XXXX : account # XXXX XXXX XXXX  : account # XXXX XXXX XXXX  : account # 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 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 2023-06-13
Company: EQUIFAX, INC.
State: NV
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 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. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: FIRST HORIZON BANK
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, I withdrew {$1000.00} to gift to my grandson for his wedding. In XX/XX/XXXX, I looked back in my bank records to see what I had gifted my grandson, because my 2nd grandson was getting married and I wanted to give him the same amount. Upon finding the withdrawal, I found the bank had actually withdrew {$10000.00}. However, I only received the {$1000.00}. 

When asking the bank manager, XXXX XXXX, ( First Horizon, XXXX, Alabama ), she " checked on '' it for about 30 minutes. She did provide a copy of the withdrawl slip. 
But this only confirms that the slip was tampered with because it it not in my handwriting. Then she came out and reported that the teller, XXXX?, had retired recently and they did not keep records or video surveillance beyond 6 months. I withdrew my money from the bank and deposited it at another local bank, XXXX. At XXXX, they told me that all banks should keep records for longer than 6 months. 

After contacting the home office of First Horizon in XXXX, TN, I was told that yes, this did not look like my handwriting and they would investigate through their fraud department. Three days later, they called and said they couldn't help. 

I feel like they are taking advantage of me because I am elderly. This money was my wife 's life insurance money. It was meant for me to survive on after her passing. {$9000.00} is nothing to a large bank, but it means survival for me. 

I have attached a copy of the withdrawal slip if you'd like to see it. The words " XXXX XXXX '' are not in my handwriting and the zeros have been changed. 

Also, my daughter is helping me file this complaint. If you have any questions, feel free to call her, XXXX XXXX, @ XXXX or via email at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Problem with application process. Offered pre qualified. I applied ( XXXX ) XXXX and received an approval notice On XX/XX/XXXX. I spoke to someone in the Bank of America on XX/XX/XXXX. They confirmed my application was approved and that the card was being sent. Later that evening I checked to see if the deposit Req was loaded and received a notice that now my application was denied. Called and minimal to no indication disclosed. This had an overwhelming impact on my credit score. I am terribly concerned with the handling of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion, has failed to forward me any information on said accounts that they state have been verified. There are XXXX accounts : XXXX account # XXXX amount {$14000.00} XXXX XXXXXXXX XXXX account # XXXX I have explained to them that these accounts are fraudulant and to provide me with proof of how its beening verified and nothing

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I DONT RECOGNIZE THESE ACCOUNTS 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 2023-09-21
Company: Revco Management, LLC
State: CA
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 sent a letter asking to validate the debt. I gave them 30 days to respond. They have NOT provided the proof. 
The letter was sent certified mail, with return receipt. 
They have violated my rights in many ways. My credit score dropped from XXXX credit score to 600 's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Did not make or authorize this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Did not make or authorize this charge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I made and authorized this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I made and authorized this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I made and authorized this charge. 

I contacted Pal Pal Credit M/C about the charges that were not authorized in XXXX when finding the unauthorized charges on my statement. 

They said they would investigate and make a decision within 60 days. They contacted me stating that they found in favor of XXXX XXXX. I asked for copies of the charges in dispute. I was told that they could not give me that information. 

They said they would file a second dispute. I was once again contacted stating that again I was liable for the charges. Again, I stated, I had the authorized charge receipts in my possession and wanted to see the receipts the unauthorized charges they claimed I made. 
Again I was told they could not show them to me. 

They made an adjustment removing the charges on XX/XX/XXXX only to rebill them back... 
XX/XX/XXXX XXXX XXXX XXXX SC {$92.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX SC {$190.00} The representative I spoke to this time said the two disputed receipts had signatures that didn't match and that I should send in my receipts, I said I would furnish copies and was told where to send them. 

A third dispute was now open and again I was told 60 days for a resolution. When it was well over 60 days I contacted PayPal M/C and asked how the dispute was going. I was told they had no knowledge of the third dispute and hung up on me. 

I contacted them no less than 6 times in the last 2 weeks and I get put on hold and then disconnected. I have wasted numerous hours with this process and have been left with no alternatives except to contact your agency. 

I have had this credit card for many years, never been late with a payment which is paid in full every month through an automatic debit from my bank. I have never had a problem like this in the past and refuse to be a victim for {$290.00} of unauthorized charges.

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 monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: SC
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:
Over the past few months I have noticed several accounts that I do not recognize reporting to my consumer report. Ive reported this issue to all 3 of the credit bureaus more than twice and no action has been taken.

Company response to consumer: Closed with non-monetary relief