BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, I noticed that some late payments posted to my credit report XXXX XXXX XXXX  Account Number : XXXX this company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]

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 2021-08-24
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I as many other homeowners struggle with making my mortgage payments. I happened to have to file for bankruptcy protection a few months before COVID hit.

I have applied twice now for a modification and Caliber keeps marking the modification as incomplete and closes out the file.

I have submitted my application for a third time with Caliber and hopefully they will actually modify my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent an reinvestigation requests regarding my credit report over six weeks ago and I have not received any reply. I have will upload the actual reports of all the discrepancies showing of accounts being late and wrong information on my profile by way of certified mail. To date, my file as been placed in archive and am ignored by XXXX. I must assume that it is flagged as " suspicious ''. I am now updating here for help to update all these accounts " paid as agreed '' since they failed to send me the proof of how they were verified and also to remove the invalid employers from my files. Equifax just willfully violated my rights. I will escalate to small claims as a case if they keep fooling around. I had to call to fix my wrong names but they did not even acknowledge my certified letter.

BASED ON THE FCRA GUIDELINES, copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

EMPLOYER IS WRONGLY SHOWING- PLEASE DELETE  XXXX XXXX XXXX - - never received mail - provide proof of documents never being late -- wrong opened date and wrong limit XXXX XXXX never received mail - provide proof of documents never being late- - wrong opened date and wrong limit XXXX/XXXX  XXXX  XXXX - send proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX/XXXX  XXXX  XXXXend proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX XXXX XXXX XXXX, XXXX- Please delete this inquiry as I never worked or never had any business with them -  non authorized inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account, 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
Consumer complaint received 2017-08-16
Company: American Coradius International LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On X/XX/17 I received an alert from a credit monitoring service that I am subscribed to that the following company had added a collection account to my XXXX report. I did not receive a dunning letter therefore I did not have a chance to dispute or validate the debt. I would like this account removed from all 3 of your credit reports immediately, as I am sure I do not owe the company, and was not given a fair opportunity to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I made a purchase though the Chase Visa Ultimate Rewards website link to a merchant website that gave me an additional 3 % when I " Shop through Chase '. There was an issue with my card and fraudulent activity after this purchase that caused the purchase to be denied. I then had to call the merchant and make the payment over the phone. However, I want to be sure that I am still awarded this additional 3 % cash back because it was my intention to do the transaction that way. It was not my fault that Chase canceled this transaction and issued a new card ( account number ). At this time, the post is pending and has not posted to my account. I was being proactive and wanted to inform Chase of this transaction to be sure they rightfully awarded the cashback. They told me I had to wait until it was posted. I informed them to make a note and check back as it would be easier for both parties. They  informed me they could not make a note. For that reason, I am submitting this complaint so this is not forgotten by either side and there is an official record of the issue to be sure it is handled correctly. Please make sure the correct cash back is awarded in this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX Your company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]

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 2022-07-10
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern : This letter is in reference to XXXX that your company is currently reporting to XXXX XXXX XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. This negative rating has caused me some serious financial distress and will continue to cause me financial and emotional distress until it is resolved. I just had an addition to my family and now i can get approved for an auto loan because of this derogatory mark. 

In researching my legal rights, I have found several items that I understand I am entitled to under these circumstances. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand an information request! I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. I request, under the FCBA, that you include all of the following for my reference and research into this matter : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

6. 1099 ( c ) IRS Document that you are required to send me.

If you can not provide this requested correspondence, then please delete the negative marks you have reported to the three consumer reporting agencies about me within the timely manner prescribed by law. Your prompt attention to this matter will be greatly appreciated. 

MEDICAL DATA SYSTEMS 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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : 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 non-monetary relief
Consumer complaint received 2017-08-16
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was trying to do a refinance using the HARP program and first I was denied and I asked them why, and they had no reason. So the agent sent it back and asked for underwriting to look at it again. After 3 weeks I received a call saying that I did not qualify because of loss mitigation. I was informed that they had a program that I fit perfectly for, and they would give me the same rate. When asked how I qualified for one yet not the other I did not get an answer. So I asked them to send in writing why I was denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was locked out of my Target account as usual because once again I forgot my username/password. I called was helped by a very nice rep who opened it back up. What I failed to realize was I had to answer 3 verification questions and one of the questions I was n't able to answer because lo and behold they had automatically switched my old card to my new card which I am waiting to get in the mail. I had to call again and this time the rep who picked up apparently does n't like her customer service job and hung up on me when I told her my issue and also told her that it was n't right to have switched everything when I do n't even have my new card because now there 's no way to access my account. With that, I proceeded to call a third time and this rep kept repeating himself how my new card is in the mail and I 'll get it in 3 weeks!! Well, how in the world does that help me now?! Especially since I placed an order with my old card yesterday & now I ca n't even check if that went through!! With that, this rep said he 'd transfer but did the same as the last rep & hung up on me! To top it all off, I 'll be away the week my card supposedly arrives & I ca n't use my card because it 's no good anymore because it 's not on file anymore now that my new card, which is NOT in my possession but somewhere in the postal system, was automatically put in. What kind of a company does that?! As a consumer, I 'm the sole person who should be changing my credit card info on file, not the company. That means they just go into peoples ' files. They need to change that. I do n't even know what to do now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
Santander is not reporting payments accurately. The following payments are not on my credit report as paid.
XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX 2017, JP Morgan Chase closed all 5 of my credit card accounts without warning, and despite perfect payment history for the entire history of my relationship with Chase. I did not violate any terms of service, did not make any suspicious or unauthorized purchases, and was simply told by the customer service representative that I was determined to be a 'risk ' due to the amount of credit cards from Chase I had. This was despite being recently approved for a new Chase card. I would have certainly preferred Chase decline my application, rather than allow me to be approved, only to go over some unknown thresh hold and terminate my relationship. I attempted to call and appeal the decision, but was brusquely informed that there was no appeals process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A loan modification packet was submitted to your office on XX/XX/XXXX. Per your office the only document needed was a quick claim deed. Several calls were made to your office and a divorce decree was never requested by your office. Your office stated on XX/XX/XXXX. That a letter was sent to our office on XX/XX/XXXX. Your office confirmed on XX/XX/XXXX that you erroneously sent the letter to the wrong address. therefore providing no notice to the client that a divorce decree was needed. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
My data was stolen from Equifax and can now be used to open accounts under my name. My credit is linked to and affects everything I do so this affects my livelihood. Obviously, Equifax should have had high security standards because they hold onto my sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
A promotional credit card offer through BJs was supposed to be issued back in XXXX. I never received the card. When I was contacted about a late payment, that is when I explained that I had not received the card nor used any service to have a bill. I was advised to call the store BJs have them reverse the charge, and then call commenity bank to have everything removed. 

A new card was supposed to be issued. I did not receive a new card nor did they correct the account. I advised that I did not want a replacement at this point and wanted the record cleared as they stated they would. All this time I thought it was corrected. I have called both BJs and commenity bank only to get the run around that their system is down and they can not see nor correct the record due to systems issues. 

This is negatively impacting my credit and is a disservice to me as a hardworking consumer, that has taken pride in ensuring I make timely payments. I am in the process of trying to buy a home. I have missed out on the opportunity recently because of this matter. In my research I see that Commenity Bank has numerous complaints about not posting payments, or posting incorrect information, etc. This is very stressful to see that others are having the same issue, with no response from the company.

Im hoping you can assist me with having them remove this incorrect information immediately. 
I dont even know the full account number because they couldnt pull it up per all the representatives I spoke with he said to tell the next person if the system comes up XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act XXXX  Account : XXXX, XXXXXXXX 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. 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 an account without my written instructions.

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