BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
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:
XXXX accordance with the Fair Credit Reporting act Convergent Account # XXXX, Account name 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Greetings, The problem company is Specialized Loan Servicing LLC. The problem goes back for years right now I am not in liberty with the exact dates but I do have current dates. In XXXX of XXXX, I mailed a payment of {$1300.00} to SLS. They claim that they never received the payment. So I stopped payment on the check. On XX/XX/XXXX, I submitted an electronic payment to SLS and I was current afterwards. In XX/XX/XXXX everything was fine with the payment but my wife had panicked and mailed SLS a payment for XX/XX/XXXX and I also paid SLS Loan servicing electronically in XXXX, With XXXX 's payment ( XXXX ) check already cleared by my bank of XXXX XXXX, that meant that my wife 's payment was for XX/XX/XXXX, this current mortgage payment. SLS only applied {$500.00} to the XXXX payment. My wife mailed 3 money orders to Specialize Loan Servicing. Two {$500.00} money orders and 1 money order for {$360.00}. 74, when we spoke to SLS about a week ago they told us that they didn't receive any payments. After a heated discussion on my behalf they finally told my wife and I that they have a {$500.00} money order payment and the other {$500.00} money order plus the additional {$360.00} dollar money order had not been applied to the account for the month of XX/XX/XXXX. We were told that only one money order was scanned and that the other money orders were not scanned. In which I personally believe that fraud is involved with the additional money orders. It makes no sense to receive three money orders in an envelope for a mortgage payment and only apply one of them to the mortgage payment. Specialized Loan Servicing holds our mortgage payments in order to get money from late charges. I had been using Priority Mail from the USPS in order to track the mortgage payments through the mail. I have much more details about SLS but the character input on this website are limited. Please help. I'm sure I am not the only SLS customer to be defrauded in this manner.

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 2023-09-03
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries : XXXX XXXX ( Bank ) XX/XX/2021 XXXX ( Retailer ) XX/XX/2021 XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX ( Bank ) XX/XX/2021 2021

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 2023-01-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
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:
According to the provisions of the Fair Credit Reporting Act [ 15 USC 1681i ( a ) ], report containing information sole as to transactions or experiences between the consumer and the person making the report this disputed items must be reinvestigated or deleted from my credit record within XXXX days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up.

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 2023-11-29
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX of 2023, my student loans were discharged as part of the XXXX XXXX XXXX XXXX. I am entitled a refund for the amounts paid over the years. I have requested this information on multiple occasions directly with Mohela with no response. I have called multiple times to be hung up on or eventually disconnected after waiting on hold for hours as the agents are unable to answer my question and require research.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am not liable for this debt with XXXX XXXX company. I still have not been provided the original contract with my signature.

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 2023-01-19
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 XXXX  Account # XXXX, has violated my rights. 
I will be submitting, the Letter I received in the mail today, on the Letter i highlighted all violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( K ) 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 2023-01-11
Company: LEXISNEXIS
State: LA
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:
XXXX completed an investigation of credit report, no resolution. Stated a company Lexis Nexis provided information. 

XXXX Lexis Nexis have no such information per a letter mailed to Me. Also inaccurate information still reported on file. XXXX XXXX complete investigation on XX/XX/23 but informed your company its still pending. Spoke to XXXX at Lexis Nexis, no public information regarding bankruptcies only insurance information and also address and phone records. XXXX Lexis nexis XXXX. 
FCRA 15USC 1681 a this is clearly a violation of this company. 

After your company notified them they adjusted my name as on your report to match information. I do not have a middle name NA. The letter from Lexis nexis contains a PIN number and hyperlink which displays all information held in Lexis nexis files. I have forward this info to XXXX as well. Still no resolve

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently retrieved my credit report and it showed inquiries that I HAVE NO KNOWLEDGE OF EVER AUTHORIZING. I have tried reaching out to each lender, I provided them my personal information and the inquiry dates they was unable to pull up any information. I have no account with these lenders. The only authorized inquiries that should be reporting on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX those are the only inquiries that I authorized. Ive tried disputing them with transunion and they told me I had to file a report on here first. Please have these unapproved/unauthorized inquiries removed from my credit report within XXXX days its harming my ability to obtain new credit. Please remove immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: First Technology Federal Credit Union
State: OR
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
There is a late payment showing on my account which was a result of issues with my personal checking account and the online payment portal for first tech not working. I have never had a late payment and this should be reversed and not on my 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 2023-04-10
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a $ XXXX HELOC with Loan Depot to consolidate high interest accounts on XX/XX/2023. Loan Depot ran our credit reports and established our home equity amount of over $ XXXX and started the approval process. A document portal was established on their website to upload the requested documents for loan approval. We provided all documents as requested including documents that we dont feel were pertinent to the approval process. One such request was a detailed explanation of income increase from the previous year. Although we felt it was overreaching, we provided the documentation. They continued to request this task although we had uploaded it multiple times and forwarded to the email provided. Each time we thought all tasks were completedthey would add more. They kept changing the loan documentation requirement descriptions for documentation they already had. We provided more financial information than we have ever provided for any of the loans, mortgages or credit cards we have applied for in the past. My wife and I have good credit, sufficient income ( even by their conservative calculations ) and more than sufficient equity in our home. On XX/XX/ we determined after providing document after document and the time spent with no communication and no approval response that it was time to withdraw our application. The loan advisor confirmed on XX/XX/XXXX  that he would withdraw the application. They advertise loan approval within 2 weeks and it was our impression that Loan Depot never intended to approve the loan and continued to make unreasonable requests to discourage us from continuing the process. As of this date XX/XX/, our loan portal with all our sensitive financial documents is still active for employee access. Since applying with Loan Depot we have had fraud and scam attempts via email and text. Based on our experience through this process they have demonstrated unfair lending practices and lack of security handling our sensitive financial information. I would not recommend this company to anyone contemplating applying for a mortgage, home equity or HELOC. It was our worst experience ever with a lending institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2022 I went to my courthouse to ask if they report bankruptcies to the credit bureaus. They gave me a letter stating They do not report any bankruptcies to anyone. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to 15 USC 1681.

The credit bureaus violated my given rights under 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

According to : 15 U.S.C 1681 section 602 A ( 4 ). I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

According to : 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 explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NY
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 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please remove the account : XXXX  XXXX XXXX. Please remove this account ASAP.

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 2023-04-14
Company: EQUIFAX, 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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 the car dealership and applied for a car. I was told my credit was only being pulled by XXXX dealership ( XXXX XXXX XXXX ), however, there are XXXX inquiries I do not recognize and I did not give permission to any of these companies to pull my credit report. There are also credit card inquiries I do not recognize because I never applied to any of the companies listed below. According to the FCRA, hard inquiries that were pulled without my request MUST be removed from my credit report. Please have these unauthorized inquiries removed from my credit report within 10 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. This is my final attempt to resolve this matter before I take legal action. 

XXXX XXXX XXXX XXXX This is not the original dealership ) XXXX XXXX ( This XXXX not the original dealership ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a Home Depot account that had been closed by Home Depot due to inactivity. The account was re-opened fraudulently without my knowledge, and a charge was made at a store far from my home store. I only noticed when Home Depot collection calls came in. I immediately let them know that this was fraud, and also created an online profile to notify them of the fraudulent charges on XX/XX/XXXX. Home Depot 's fraud department is not responsive, and at first refused to close the account or remove the charges. I visited Citibank, the main bank that owns this credit card, and they had to call the Fraud Department. Finally, today, XX/XX/XXXX, the main charge is removed from my account, but Home Depot is not removing the late fees and interest charges related to the fraud. The Fraud Department hangs up on me or is closed, and Home Depot has been very difficult to deal with.

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 2023-09-03
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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute inaccurate information on my credit report with TransUnion, which I initially contacted on XXXX. To date, I have not received any response from TransUnion regarding this matter. Below, I have provided details of the inaccurate information and the necessary corrections required : The following account does not belong to me : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$500000.00} I request the immediate removal of this account from my credit report. 
The following account was never reported as late : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$12000.00} I kindly request that this inaccurate information be corrected or updated on 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 non-monetary relief