BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 non-monetary relief
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: AZ
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:
This complaint is directly related to XXXX XXXX XXXX CO, XXXX XXXX, who will referred to as The Company. 

Consider this a follow up complaint to my original complaint filed XX/XX/2022 with The Company - XXXX. The required timeframe for a prompt response has expired. 

I spoke with a representative of The Company on a recorded line who confirmed the delinquency was a direct result of The Company 's illegal and harmful communication practices. The representative confirmed that I would be contacted by a supervisor of The Company which did not occur within 30 days. 

The Company failed to notify me of current balance due upon purchasing my loan ; The Company failed to notify me that a scheduled payment had been rejected within a reasonable timeframe ; The Company failed to accept my payment without reasonable explanation within 14 days of rejection ; The Company failed to notify me of payment rejection within 48 hours of failure ; The Company would not allow me to make a payment within 30 days of purchasing my loan ; The Company failed to respond within the required timeframe for a verbal complaint ; The Company failed to deliver notice of delinquency prior to 30 days late ; The Company delivered libel reports to credit agencies despite The Company being responsible for delinquency ; The Company refuses to respond to multiple attempts to correct The Company 's error. 

XXXX XXXX will now be required to relay all future communications regarding my mortgage by written mail as well as responding to this CFPB complaint. 

I have also served a final notice for The Company to correct their reports. Without a prompt response from the Company, this complain will be escalated to civil court.

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This complaint is directly related to XXXX XXXX XXXX CO, XXXX XXXX, who will referred to as The Company. 

Consider this a follow up complaint to my original complaint filed XX/XX/2022 with The Company - XXXX. The required timeframe for a prompt response has expired. 

I spoke with a representative of The Company on a recorded line who confirmed the delinquency was a direct result of The Company 's illegal and harmful communication practices. The representative confirmed that I would be contacted by a supervisor of The Company which did not occur within 30 days. 

The Company failed to notify me of current balance due upon purchasing my loan ; The Company failed to notify me that a scheduled payment had been rejected within a reasonable timeframe ; The Company failed to accept my payment without reasonable explanation within 14 days of rejection ; The Company failed to notify me of payment rejection within 48 hours of failure ; The Company would not allow me to make a payment within 30 days of purchasing my loan ; The Company failed to respond within the required timeframe for a verbal complaint ; The Company failed to deliver notice of delinquency prior to 30 days late ; The Company delivered libel reports to credit agencies despite The Company being responsible for delinquency ; The Company refuses to respond to multiple attempts to correct The Company 's error. 

XXXX XXXX will now be required to relay all future communications regarding my mortgage by written mail as well as responding to this CFPB complaint. 

I have also served a final notice for The Company to correct their reports. Without a prompt response from the Company, this complain will be escalated to civil court.

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 2023-10-04
Company: Experian Information Solutions 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have no knowledge of this collection account Transunion is reporting XXXX XXXX XXXX XXXX XX/XX/2021 {$6000.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-28
Company: Experian Information Solutions Inc.
State: NC
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 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 2023-08-11
Company: NAVY FEDERAL CREDIT UNION
State: MO
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 XX/XX/2023 I became aware of a credit reporting agency called XXXX XXXX Services, that was monitoring my bank transactions. I never verbally consented to the use of this information. Per 15 U.S. Code 6801 ( a ) Privacy obligation policy ; It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXXXXXX XXXX XXXX XXXX  XXXX and Navy Federal Credit Union are financial institutions that have not honored this obligation by releasing transaction history to XXXX XXXX XXXXXXXX XXXX According to 15 U.S. Code 6802 ( a ) Notice requirements ; Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. None of these companies informed me of my right to exercise the option for nondisclosure. In accordance with 15 U.S. Code 1681C ( a ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account information shared with XXXX XXXX XXXX is an adverse item that is being reported without my permission. This constitutes a violation of the law. In Accordance with 15 U.S. Code 1681n - Civil liability for willful noncompliance ; In general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. In accordance with 12CFR 1016.7 ( h ) A consumer may exercise the right to opt out at any time. I am now opting out of reporting services from XXXX XXXX XXXX. I am now opting out of any reporting services from Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Elan Financial Services Card through XXXX XXXX  has not been providing me with proper paper or online bill due notifications. The last payment I made with them, according to their records was on XX/XX/XXXX for my XXXX payment. I checked my balance multiple times over the course of the month to pay for XXXX due on XX/XX/XXXX. I never received my statement showing the balance due on XX/XX/XXXX and the amount. Instead I received a statement showing past due as of XX/XX/XXXX. I have checked the account multiple times in the span of 2 months and it always had my balance showing as {$0.00} due. Now all the sudden I go to make XXXX 's payment and I am XXXX days past due, my credit line has been cut, and now I have a mark on my credit report because this company can not update their systems online accurately. I never received so much as a call or inquiry or any email or paper notifications advising anything was due. The reps with them have not been helpful at all in rectifying this issue. I made a double payment today and they are still refusing to reinstate my credit line, remove the late fee, or take the 30 day past due off my credit. I am very upset that this financial institution has treated me this way.

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: EQUIFAX, 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:
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 Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number: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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX - XXXXXXXX XXXX XXXX  XXXXXXXX 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 2022-09-22
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to refinance this mortgage for 4 years and even though the company responded to me in XX/XX/2022, they did not answer the question. I asked for a breakdown of all the extra charges they added to the payment. Now I finally obtained a company who will refinance but my mortgage statements claim I owe about $ XXXX and the want a payoff of $ XXXX. This is a {$67000.00} difference! I can not close until this is resolved and it has been going on for months. I lost the original lock in amount of 3.5 % interest and now it is up to 8.56 %. PHH has cost me not only an interest rate loss on refinancing in addition to $ XXXX In charges which they can not explain. Every day I do not close on this loan is costing me a fortune. I will not pay them $ XXXX and then try to recoup it later. I am a XXXXXXXX XXXX XXXX and do not have extra money to obtain an attorney. I wrote the Attorney General who requested a full breakdown a month ago but no response. I need help! Why should I take a mortgage out for more than I need to pay it off. It is higher than the original mortgage! They have added charges not due to them. This needs resolution immediately before there is another interest rate increase. I will lose the current rate of 8.56 % if it is not addressed. Why should I have to suffer for their laziness? This is a tactic to not let me refinance with another company. No freedom of choice at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 1 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$2700.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX XXXX XXXX Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 38 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$2500.00} High Credit {$2800.00} Available Credit {$2500.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
I was looking at my credit report and saw a American Express credit card and I never applied for it so I believe someone used my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
XXXX is engaged in a deceptive trade practice. They make it clear in their fee schedule that personal transactions between Paypal accounts are not assessed a fee, but the structure of their website deceives the user into sending a commercial transaction by default, where the recipient is charged a 3 % fee. Paypal tech support told me that I was fully informed that the transaction would be charged a fee, but when I went through the procedure to send money, the entire visible part of the webpage was filled with a dialog box instructing the user to select a payment source. Directly underneath that, and visible on the screen, was a " send '' button. Paypal says it was my responsibility to use the scroll bar to make the hidden part of the webpage ( above ) visible so that I could change the default value " commercial '' to " personal '' and thus avoid the fee. It seems obvious to me that this is a design feature, and that Paypal reaps extra fees through this process because of it. When I asked Paypal to cancel the transaction because of this obvious misunderstanding, I was told this was " not possible. '' I believe that Paypal is acting in bad faith, that they can't possibly be unaware of this misleading website structure. My browser was set at default magnification. 

I sent a test transaction of {$50.00} on XXXX/XXXX/2022 to make sure this process would work smoothly before doing a much larger transaction. I informed Paypal of the error and they refused to cancel the transaction. I contacted them by online chat and later by telephone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 explanation