BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, 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 went to dealership to get funded for a car and they ran my credit too often. I was wondering if you can remove these inquiries.

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 2023-12-15
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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: CDS Debt Relief, LLC
State: OH
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
XXXX I contact the company by phone and email. They took funds out of my account after the agreement was to hold the payment until the next. They said they will refund money! I said okay until they said by XXXX  payment thats when I realized this is a scam company that called my phone and lied to me about being a debt consolidation company. Cdsfinancial Or XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
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: 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 explanation
Consumer complaint received 2023-09-30
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: Reporting company used your report improperly

Complaint:
I'm filing a complaint against TransUnion for violating my privacy and consumer rights. They've breached the Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, and Opt Out Laws. 

1. They shared my personal data without my written consent, as required by 15 USC 1681 section 604 ( a ) ( 2 ).

2. I wasn't properly informed of my right to exercise nondisclosure, as mandated by 15 USC 6802 ( b ) ( c ).

3. They reported a Chapter 7 bankruptcy without my consent, violating 15 U.S. Code 1681c ( a ) ( 5 ). 

4. XXXX failed to maintain accurate information, as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A. 

5. XXXX reported my student loans without consent, violating FCRA. 

6. They didn't adequately provide the option to opt out of reported information, as per 12 CFR 1016.7. These actions infringe on my privacy and break the law.

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 2023-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Made a large check deposit and a hold was placed on check. Check cleared and bank closed account. Asked for a review and provided all documentation of money source and was denied a review after receiving all proof and documents. Spoke with numbers agents who gave different wrong amounts to me as the balance. Said the check was altered from the Department of Treasury, lied and said they were returning the funds to IRS then lied and said waiting for IRS to request funds back and different versions to what was the delay. I asked to have check returned and was denied even after submitted IRS documentation. The IRS says checked cleared and the money is there but bank refuses to give funds to me and closed account without valid reason and did not return ending balance in account. Now Im in danger of losing my business after 3 months of going back and forth and being provided wrong info from each bank representative

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 2023-10-10
Company: EQUIFAX, INC.
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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14
Company: Conn's, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The company gives harassing calls 8-10 times a day. Also calls my work 3 times in one week. I am only 1 week late paying my bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Other

Complaint:
I am having issues with PayPal putting a hold on the payments that I make on the PayPal Extras Mastercard everytime I pay more than the minimum due. For example, I recently paid the full statement balance of XXXX on the bill that was due on XXXX/XXXX/16. It cleared my account at XXXX XXXX XXXX on XXXX/XXXX/16 but as of today, my PayPal Mastercard shows {$0.00} credit available. The account reflects the payment I made and I have a credit line of {$2700.00} but it 's still showing I have no credit left. I called yesterday and they said they can not release the credit

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 2022-09-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have sent emails to XXXX, XXXX, and Experian on XX/XX/22 and XX/XX/22 asking for the payment history and bank statements on the following accounts to verify there late payments. I am sure I have never been late in making these payments. 


XXXX XXXXXXXX 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 2023-05-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 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. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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 responded saying they cant find my information or a 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 non-monetary relief
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX XXXX please 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 2015-08-27
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, Nationstar, has been charging my escrow account for an add-on insurance, which I did not sign up for. I have been trying for several months to get it taken off but they say they can not remove it without a cancellation letter yet NO ONE can find an additional policy under my or my husbands name - hence, they can not produce a cancellation form for me to sign, HENCE, they can not remove the charge. I am at my wits end!!! I have spoken to XXXX people at Nationstar customer service, Nationstar escrow department and the add-on insurance companies over the past months, all of whom I have documented names, dates and times of calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted XXXX in an application for loan modification. Iwas supplied with inaccurate telephone numbers, wrong address, and apoint of contact person who had no idea how I received their telephonenumber. In my case, I feel that these hurdles were placed to discourageme from trying to receive assistance with my mortgage. Their motto is, '' We 're here to help. '' I am still trying to work with my Lender and Servicer toreview my application for a FHA Short Refinance Loan.

Company response to consumer: Closed
Consumer complaint received 2022-11-30
Company: Bread Financial 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:
I am disputing the inaccuracies, and I request an immediate investigation and removal of the late payments on XXXX and XX/XX/2022 that are shown for CB/KAY account per 15 US Code 1666 and 15 US Code 1681b. 

I have not made a late payment to this account. The information across each bureau is different. there are several inaccuracies. On the XX/XX/2022, it is showing an on-time payment ( OK ) on XXXX and XXXX. However, it is showing 30 days late on XXXX. Please update XX/XX/2022 to show that an on-time payment was made ( OK ) or leave this field blank as it is reporting in XX/XX/2022. 

In addition, on the XX/XX/2022, it is showing 30 days late on XXXX and XXXX. However, it is showing as a blank on XXXX. Please update XX/XX/2022 to show that an on-time payment was made ( OK ) or leave this field blank on XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian has failed to send me proof/verification of the accounts that they are reporting to the credit agencies on my behalf. I have attempted to gain this info from Experian and they have failed to provide which is now a violation of my consumer rights under the FCRA. The accounts are as follows : 1. XXXX XXXX FOR THE AMOUNT OF {$1600.00} 2. XXXXXXXX XXXX  FOR THE AMOUNT OF {$470.00} 3. XXXX FOR THE AMOUNT OF {$520.00} 4. XXXX XXXX FOR THE AMOUNT OF {$100.00}

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 2023-11-06
Company: RoundPoint Mortgage Servicing LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Due to a glitch at the State of VT dept of taxes my tax amount was incorrect on my property tax bill. I informed Roundpoint on XX/XX/XXXX that it was not correct and NOT to pay until I had the corrected tax bill. I received and submitted the correct bill, and Roundpoint ( after several reassurances said they have it and its correct ) STILL payed the higher amount which is not correct. They have sent me 5 escrow analysis statements raising my payment by almost {$400.00} and the tax info is still incorrect because they paid the wrong amount. I have asked what the problem is, with no resolve. I have also asked twice now for a manager or director to call me and have not received a call ( even after the notice that it can take 72 hours for someone to contact me ). This is a financial hardship to have to shell out an additional {$400.00} a month, which is going to impact my ability to remain current on my other financial obligations. All something that is not my fault and out of my control and with a mortgage company that has no desire to work to correct the situation.

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Dear TransUnion There is information on my consumer report that is a result of identity theft. I did not provide written permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

BANKRUPTCY filed XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$670.00} XX/XX/XXXXXXXX XXXX {$600.00} XX/XX/XXXX XXXX - XXXX XXXX  {$300.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXXXXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXXXXXX XXXX XXXX  {$300.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX$380.00} XX/XX/XXXX DEPT OF EDXXXX {$1700.00} XX/XX/XXXX DEPT OF EDXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX {$140.00} XX/XX/XXXX You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. 
Thank you

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 2023-11-25
Company: EQUIFAX, INC.
State: FL
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:
To whom it May concern I hope this letter finds you well. I am writing to kindly request your consideration regarding a 30-Day late payment recorded on my account during the month XXXX and XX/XX/2022. I acknowledge and deeply regret this incident and wish to address it proactively. 
As a loyal and committed customer of XXXX XXXX, I would like to highlight my exemplary track record of timely payments in the past. This late payment in was an isolate event and does not reflect my financial commitment. I sincerely apologize for any inconvenience it may have caused. 
I eamestly request your kindness and consideration to remove this late payment from my payment history. I greatly appreciate your understanding and support in this matter. I provide below the details of my account for your reference : XXXX XXXX XXXX  Account # XXXX As an additional measure. I commit to setting reminders and preventive measures to avoid similar situations in the future. I am deeply committed to maintaining a trusted relationship with XXXX XXXX and take responsibility for ensuring my payments are made in a timely manner. 
I sincerely appreciate your attention and consideration toward my request. I look forward to a favorable resolution and continuing to enjoy the services and benefits that XXXX XXXX provides to its valued customers. 
Thank you. 
Sincerely.

Company response to consumer: Closed with explanation