BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 checked my report and noticed i had inquiries on there that i didnt recongnize or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$49000.00}

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 explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: SC
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 received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX added this account to my credit report, which does not belong to me only belongs to XXXX XXXX. I had my own lease at the time and this debt should not in be in my name. The rental company/landlord already updated the statement and account to reflect her name. They also written off the entire account due to an issue XXXX XXXX was having with them to prevent legal issues with her. XXXX XXXX has ignored my letters explaining this and has refused to remove these off my credit reports with the major credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened an Amazon Store credit card with Synchrony in XX/XX/XXXX. I started to use the card, and made a payment towards my balance in order to free up my available credit to make additional purchases. My available credit did not reflect the payment I made, and so I made additional payments towards the card. After this still did not allow me to get any additional available credit, I contacted Synchrony customer service, who told me that the payments were on hold for 30 days as a precaution to verify that the payments were not fraudulent. Soon after, my account was closed and my rewards points were forfeited. After inquiring, they claimed my account was closed due to suspicious activity mainly these payments I made. I attempted to appeal this decision and sent in bank statements showing that the payments made toward the credit card were from accounts owned by me. These were under review for more than 30 days, and then I received a notice that they would still not be able to open my account. I then requested on XX/XX/XXXX, that the negative balance on my account of {$15000.00}, be returned to me as a refund check. After numerous follow ups, they keep claiming to be reviewing the account and issuing a check within XXXX days. As of today, XX/XX/XXXX, the negative balance is still showing on my account I have not received a refund check.

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 2023-11-07
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-05-18
Company: World Acceptance Corporation
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:
XXXX XXXX XX/XX/XXXX {$1300.00} Connected the company demanding deletion cause it wasn't my account XXXX XXXX XXXX XXXX XX/XX/XXXX {$5000.00} Connected the company demanding deletion cause it wasn't my account and trying disputing XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} Connected the company demanding deletion cause it wasn't my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Bread Financial Holdings, 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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with CCBXXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to XXXX XXXX. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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 sent a letter to the 3 Credit Bureaus last XX/XX/2022 to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX CO Account Number : XXXX ; XXXX XXXX CO Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; UTILITY SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit report score with data collected by XXXX, XXXX and Trans Union currently is not an accurate representation of my credit practice and behavior.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter to the 3 Credit Bureaus last XX/XX/2022 to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX CO Account Number : XXXX ; XXXX XXXX CO Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; UTILITY SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : 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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
On XX/XX/2022, I disputed the following item on my credit report. THIS IS A FALSE INCORRECT INFO REPORTED BY XXXX XXXX XXXX. I WAS NOTIFIED BY THE INVESTIGATOR AT DEPT OF JUSTICE, US ATTORNEYS OFFICE, THIS COLLECTION COMPANY OPERATES UNDER VARIOUS NAMES, CREDIT CONTROL SERVICES, ETC AND HAS NUMEROUS COMPLAINTS IN THEIR DATABASE. THIS IS A FRAUD COLLECTION COMPANY. I HAD AN ACCOUNT WITH XXXX, THE DATE OF COLLECTION IS TOTALLY INCORRECT. I MOVED OUT OF THIS SERVICE ADDRESS IN XXXX XXXX 2022, XXXX XXXX IS REPORTING, XXXX DELINQUENCY, XX/XX/2022, WHICH IS TOTALLY FALSE AND INCORRECT. I PAID XXXX XXXX IN FULL. PLS SEE ATTACHED LETTER FROM EXECUTIVE OFFICE OF XXXX, WHERE ITS CLEARLY STATED " UPON FULL PAYMENT, ALL CREDIT COLLECTION MARKS WILL BE REMOVED ''. TRANSUNION HAS BEEN REPORTING FALSE INFO ON MY CREDIT REPORT, THE FIRST DELINQUENCY DATE IS INCORRECT, BALANCE IS INCORRECT, I DISPUTED THIS ITEM XXXX  TIMES WITH TRANSUNION, CALLED THEIR CUSTOMER SERVICE, I SPOKE TO MULTIPLE AGENTS, THEY PROMISED THAT THE MANAGER WILL CALL ME FOR MONTHS, I DID NOT GET ANY CALLBACKS, STILL THEY HAVE NOT CORRECTED THIS COLLECTION ITEM. UPON CONTACTING DOJ, A REP FROM TRANSUNION RESPONDED AND GIVING FALSE INFO IN HER LETTER, THE XXXX XXXX HAS CLEARLY STATED THEY ARE NO LONGER IN PARTNERSHIP WITH XXXX, AND HAVE REMOVED THIS, BUT TRANSUNION IS STILL REPORTING THIS NEGATIVE ITEM ON MY CREDIT FILE. PLEASE KINDLY HELP ME WITH THIS PROBLEM, THIS IS AFFECTING MY CREDIT SCORE AND I AM UNABLE TO GET HOUSING, CREDIT ETC.. THANK YOU SO MUCH. 


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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 2023-11-22
Company: LEXISNEXIS
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased food from an XXXX XXXX XXXX ( which uses camera to detect what people took and automatically charges the customer ) on XX/XX/2023. However, I was overcharged for something I didn't purchase - I was handing over a burger to someone else but the camera thought I was the one buying it. After realizing this, I tried to contact the store but because it was XXXX, I got no response. So I contacted Capital One instead to get back the overcharged portion. Capital One received my request along with the evidence but denied it without any meaningful investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
In XX/XX/2023 we requested and were granted a forbearance. In XXXX of XXXX  we were advised that we had been granted a HUD subsidy to cover the back payments and late fees. That amount was {$14000.00} in a subordinate note. 

We mailed the documents, notarized, signed and witnessed by overnight XXXX in the envelope provided by the company. 

We did not hear back from them, and called a few days later. The representative advised that we had not included in the documentation our " document correction agreement '' and needed to re-send the entire packet back, have it re-notarized and re-witnessed. 

We did such on XX/XX/2023. 

We did not receive any confirmation of the new terms so called them in early XXXX to check the situation. 

We were at that time advised that the SECOND packet ( each one being over 22 pages in length ), was also insufficient, as one of the notarized pages did not contain the year on the date portion. We were further advised that at this time, our fees had gone up to over {$19000.00}. 

Each time we sent in our signed packets for modification, I kept copies ( both of the " borrowers copy '' version they provided, as well as a photocopy of the documents we sent them ). 

I have reviewed these in detail, and have realized that the first packet DID contain the Document Correction Agreement, and the SECOND packet did contain the year on the date portion by our Notary Public. 

We just received a new bill from them, stating that the amount we now owe is {$23000.00} or close therein. 

We have been trying to contact them, however, their phones and website are saying that there has been a " cyber attack '', and we can not reach them by phone, login online, or reach a representative via their chat service. 

It's very disturbing that they keep saying that they haven't received single portions of our modification agreement, and require us to resubmit the entire packet, and that the amount owed continues to go up, even though our records reflect that we DID submit the full packet, correctly notarized, signed, dated, and witnessed. 

I feel that we should be in the position of owing the original {$14000.00} which we were not disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX OFFERED A SALES CONTRACT TO ME WHICH LATER FAILED WITH XXXX XXXX XXXX. IMMEDIATELY REALIZED I DID NOT NEED THE XXXX XXXX XXXX AFTER OBTAINING THE SALES AGREEMENT. THE DEALER IMMEDIATELY REFUNDED XXXX XXXX XXXX XXXX AND PAID OFF THE CONTRACT. XXXX XXXX XXXX XXXX REPORTED PAYMENTS LATE WHEN THEY WERE NOTIFIED OF REFUNDED WAS TO BE GIVEN BY XXXX XXXX XXXX WHO LATER PAID THEM.

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 2023-11-04
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:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TN
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 Account NumberXXXX 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 non-monetary relief
Consumer complaint received 2023-11-16
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: Account status incorrect

Complaint:
Dear CFPB, I recently received a copy of my (, Equifax, XXXX XXXX, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; Equifax, XXXX, XXXX, They reported my account as LATE in the month of XX/XX/2023 - XXXX - 60 days Names of the accounts : - - XXXX XXXX XXXX Account numbers : - XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( XXXX ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2023 you reported transactions from XXXX XXXX XXXX, Account Number XXXX my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of Metro2 Compliance!

Provide me with a Metro2 Compliance disclosure on reporting transactions to a consumer reporting agency.

I need the transactions reported as Late Payment on XX/XX/2023 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a payments - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I need the above transactions deleted from my consumer reports! 

Best Regards XXXX XXXX

Company response to consumer: Closed with explanation