BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit 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, 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I attempted over the last 90 days to use the website of TransUnion CRA. The site fails on a daily basis. It endlessly loads requiring users to call and file disputes by phone or chat! To suggest consumers have access to their credit reports, scores, or can dispute online is a complete lie. I am quite certain if you pay TransUnion their $ XXXX for premium access, well thenthe site works perfectly. However, the URL and basic access for an average consumer is manipulated and requires you to pay them for access to YOUR financial reporting data. This CRA is defrauding the consumer by suggesting you have access when you absolutely do not unless you pay them {$360.00} a year. THIS IS AN ABUSE OF CONSUMERS AND THEIR RIGHTS TO MANAGE AND MAINTAIN THE ACCURACY OF WHAT IS REPORTED IN TODAYS DIGITAL AND ONLINE EXPECTED DELIVERY.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: IL
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:
accordance with the Fair Credit Reporting act XXXX  XXXX Auto Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # 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 XXXX XXXX XXXX has been opening and closing this account repeatedly and it has been doing harm to my credit file. they have also are reporting that it is a installment loan I have sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and Experian and XXXX have done nothing, i deserve a complete and accurate file. XXXX XXXX has not sent documents requested

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Company: Mcburberod Financial, Inc. d/b/a SeedFi
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: Personal information incorrect

Complaint:
SeedFi has a address on my account that is not my address I addressed it they said it will come off but its still there its on my XXXX  account XXXX XXXX XXXX XXXX XXXX, NC XXXX I never lived there I looked it up its a park

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: TX
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:
Errors in Experian data are making it impossible to verify my identity online, on the myeverify portal, part of dhs uscis. myeverify can't tell me what data is mismatched. Experian can tell me, but won't. most of the challenge questions on myeverify do not pertain to data that is on my credit report, and experian does not give me access to that data.

one thing that may be causing a problem is my birthdate, wh
ich experian has as the year only, no day, no month. experian has said twice that it was fixed, but it was not.

one of the experian customer service people hinted that other errors may originate in closed credit accounts. experian has correct data that says the accounts were closed years ago, but they treat them as if they are open for credit report purposes. The problem is that some of those accounts have really really old addresses and phone numbers for me. some of those accounts have been bought and sold to various banks. Experian wants me to contact the closed accounts and have them send updated data to experian. I don't know who even to call about those, and i doubt they would update my address and phone on a closed account anyway.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: OK
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:
According to the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate. I will not stand for any misinformation being associated with my name and financial history. If there is something on my credit report that doesn't seem right, I will be taking action to get it removed. Federal and state law requires you to report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. 
Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take whatever steps are necessary to correct 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 2023-04-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below 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 2022-12-13
Company: Experian Information Solutions Inc.
State: MD
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 explanation
Consumer complaint received 2022-12-13
Company: Grain Technology, Inc.
State: PA
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 had problems in the past wuth this company. The company is so hard to reach that you cant even talk to a direct person ever. You send an email they reply weeks or even months later. They app platform is always down. So for the past month i had issues with logging into my account & the issue was addressed but not fixed. So far as my payment dates & what i had to pay was communicated through email!!! I recieved an email that my payment date was coming up XX/XX/XXXX and the minimum to pay was {$29.00} which i exactly paid! The supporting documents are below. I then recieved an email stating my acc is days late & not current! Which is a lie not to mention my XXXX payment was reported on time which reported my acc as current. I tried talking to someone & also reported no help was done!!! I am not happy with my results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In or around XXXX of XXXX  someone opened a new credit card with Synchrony bank without my authorization. While checking my credit information on XXXX XXXX I noticed this new account that 2 late payments. I HAVE NEVER BEEN LATE on any of my cards. This brought my credit scores down about 30 points. I had over 700 credit score in all 3 bureaus. This has hurt my chances of getting a good interest rate on a loan to pay all my credit card debt. I am extremely upset with this bank as I Never got a call, nor email, nor correspondence or any alerts about late payments. THERE IS NO EXCUSE for this as they do have my contact information as I have 2 credit cards with them in GREAT STANDING. I called the bank, was given fraud case # XXXX. To make matters worse, I received a letter from Synchrony saying I disputed my credit care credit card debt, WHICH IS NOT TRUE! Now they are saying they have no information of the acct that was opened without my authorization and was given a fraud case number for. Yet in my credit wise account info it shows an account that was opened. I have documents. Letters to the credit bureaus, receipt of monies incurred to send letters to the Bureaus regarding their Negligence. They are ruining my financial future. I need to get my credit scores back to where they were before this happen. Please help.

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 2022-12-10
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Westlake offered different term after getting prequalified on their website Westlake financial.com went into the dealership to proceed with offer but was given different terms for the purchase of a vehicle with application at 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 2023-04-18
Company: Experian Information Solutions Inc.
State: CA
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:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXXlXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/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 2022-12-13
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I asked Santander bank multiple times how to remove PMI since my home value has increased so much last couple of years. However, whenever I asked, Santander said I still needed to show that I could make three consecutive payment without any problem. 

What a nonsense.. after Covid forbearance, I've been paying off every month since XXXX XXXXXXXX Do they need more payment records?????????????? 

I think it's Santander 's greedy tactic XXXX XXXX XXXX XXXX XXXX How can I make them to stop the PMI charge on my mortgage payment?

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 2023-06-12
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:
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 XXXX Account number : XXXX Account name : XXXX Account number:XXXX has violated my rights. Or 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 year
s.

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 2023-01-04
Company: EQUIFAX, 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:
I sent a certified letter to Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2022 and requested they update my personal information as a precaution to prevent the jeopardizing my identity from credit fraud. Equifax replied via a letter on XX/XX/2022 and the letter stated that they had done an investigation and had concluded that my information was verified. 

That is not what I requested they do. I asked them to remove all old addresses, phone numbers, email addresses and employment information from the credit file and update the credit file with my current address, email and phone number. 

As a consumer, I do know I have the right to request an Equifax update and remove all old and outdated information on the credit file. 

In refusing to consent to my request, they have violated my consumer rights to fair and accurate reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are accounts on my Equifax credit report that are inaccurate, fraud, and identity theft. 
XXXX. XXXX XXXX XXXX which ended up being a charge off in XX/XX/XXXX. I have never heard of this place, and this is not my debt I have sent multiple letters as well as sent in disputes on this matter. 
XXXX. XXXX XXXX XXXX XXXX ( Closed ) this is marked as a write off which is inaccurate this was paid in full. there was never a write off for the amount of {$340.00} XXXX. There are multiple Inquiries on this account that are not mine I have filed a report with the Federal trade commission, filed disputes, written letters the following Inquiries are identity theft and were not made with my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It is also listed that there are several collections on my report. I have contacted these companies all of the listed above and filed disputes, of XXXX. 
The collections listed below XXXX XXXXXXXX XXXX XXXX I have never had any other insurance agency other than XXXX I have filed disputes, written letter, spoken to XXXX XXXX XXXX XXXX. this is not my debt neither is the account for XXXX as previously stated I have only ever used XXXX insurance. I will be filing police report and filing a neither FTC report as well. 
I want these items removed immediately from my report. 
In addition, there are inaccurate names and address and employers on my account i would like all removed but the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: GA
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 submitted a letter to the XXXX XXXX Experian Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT and I'm including it again. 

Please verify this account : XXXX XXXX XXXX XXXX**** Balance : {$0.00}

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

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