BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 15USC 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 

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

15 U.S.C 1681 section 604A. 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 that records of convictions of crimes with 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 2023-11-20
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Full Name should only appear as : XXXX XXXX XXXX Only address should be : XXXX XXXX XXXX XXXX XXXX XXXX De XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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 ; this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 states the consumer performance agency can not furnish an account without my written instructions. Under 15 USC 1666 B ; a creditor can not treat a payment on a credit card account under a open and consumer plan as late for any purpose.

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 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 Capital One charged off account was paid off in XX/XX/2022. Capital One is still showing 1 payments recently late after the charge off occurred on XXXX. This is happening several times now and it never seems to get fixed. Please investigate why Capital One and XXXX can not get this right. We have gone back and forth many times. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXX A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX OF XXXX, XXXX XXXX XXXXXXXX XXXX US EDU/ Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX XXXX XXXX/ Account XXXX XXXX XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXX XXXX XXXX Amount $ XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXX-Closed -Account # XXXX Remove Immediately I have sent several request.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Rocket Mortgage, LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Partial Release Application Filed on XX/XX/2022. All required documents and fees submitted and paid, including survey of property. Rocket Mortgage has stolen the application fee and has refused to continue the process or refund the fees despite multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Common Wealth Mortgage Services
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
During the 2021 I was in a forbearance plan for my mortgage with COVID-19. At the end of my forbearance plan we did a loan modification to be paid back what has been messed the service company than doing to my credit for no payments for 90 days which significantly impacted my credit. I filed an air through experience and they said no air was found I have tried to work with the mortgage company and keep getting the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Accounts Receivable Consultants Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have paid agreed the credit collection agency has not lived up to the promised by  XXXX   XXXX  of removing it from my credit report they said they would notify the credit bureaus  XXXX    XXXX   and  XXXX  to have it removed from my credit report they have not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX contacted XXXX XXXX XXXX XXXX. Customer Service would not investigate, and after several years tried to get the incorrect information corrected. Dated XXXX XX/XX/XXXX. 

Account : XXXX XXXX XXXX XXXX Acct # XXXX No information or validation. They do not investigate, they only go in and look at a computer. No validation of the mail, what procedure is used. 

My rights have been violated by the following : - Sharing of my report and posting inaccurate information - the credit report is hindering me and my family from good standings with is costing me and my family more money to acquire better credit scores- Sharing of my report to all creditors that I apply for with the following statement -- " Serious Delinquincy '' This is an adverse condition

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 2022-06-28
Company: EQUIFAX, INC.
State: MN
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 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 2023-10-19
Company: Experian Information Solutions Inc.
State: MD
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-21
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: Personal information incorrect

Complaint:
XXXX, XXXX, Transunion are reporting an invalid address for me. I have never stayed at XXXX XXXX XXXX, XXXX mi, XXXX. I have no accounts tied to this address. My address is XXXX XXXX XXXX, XXXX mi XXXX, I have been at this address for XXXX  years, I have stayed in XXXX my whole life.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm unsure about the reason, but I can confirm that this inquiry wasn't authorized by me and was carried out by the creditor without my consent! Immediate removal is indispensable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian and XXXX do not allow for convenient uploading of documents to dispute errors. On multiple occasions, I've tried to upload documentation to their dispute portal to prove that there is an error on my credit report, but the system never works. The documentation can't be uploaded and, you get an error message. The error message recommends and option to file without documentation, which you can't actually provide. Then 30 days later, and as a result of not being able to upload the documentation, they side with the company showing the incorrect information. How am I to prove that the information is in correct, if I can't attach/include the documentation that would show the incorrect amount? 

The onwnus is on the customer to prove the company is incorrect. But the customer can't prove it easily and the company is not going to be truthful. Ever. You are wasing the customers time and extending the impact the incorrect information has on a persons credit report and rating.

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 2022-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was involved in a car loan scam. I was promised a credit boost. I got approved for cars and promised they were going to get paid off but eventually I realized I was in XXXX big scam. Cars were put down in my name for some one elses selfish gain

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-11-15
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Subject : Request for Due Date Change and Concerns Regarding Collection Process Dear [ Creditor 's Name ], I hope this letter finds you well. I am writing to inform you that I have formally requested a change in my account 's due date to the XXXX of each month. Unfortunately, the current due date has led to delays in processing my payments, causing my account to be marked as late. 

On XX/XX/XXXX, One Main contacted my workplace regarding a payment of {$17.00}. I inquired about why they did not contact my cellphone as usual, and I was informed that this was part of their collection process initiation. This has raised concerns for me, as I believe direct communication through my cellphone should be the primary method before escalating to my workplace. 

I want to assure you that I have made the XXXX payment today, totaling {$350.00}. However, I am reaching out to express my concern about the collection approach and to reiterate my request for the due date change to the XXXX of the month to avoid such situations in the future. 

I appreciate your attention to this matter and kindly request confirmation of the due date change and assurance that my account will not be subject to workplace contacts unless absolutely necessary. 

Thank you for your understanding.

Company response to consumer: In progress
Consumer complaint received 2023-11-27
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I made a purchase at XXXX on my Citi Double Cash card. A few days prior to making this purchase, I enrolled via Citi 's portal in an offer for cashback at that retailer as part of " Citi Merchant Offers ''. The offer was for " 8 % back when you shop with your linked card at XXXX XXXX  ] and spend a minimum of {$250.00} '' and the offer expired XX/XX/XXXX. The amount I spent was approximately {$470.00} and appeared on my statement as " XXXX XXXX XXXX 

I waited about XXXX weeks and after seeing no statement credit for the promised 8 %, I called Citi on XX/XX/XXXX. After explaining my situation to the representative, they informed me I would need to make a " rewards dispute ''. I clarified I did not want to dispute a transaction, nor the rewards points earned, but that my issue was with a " Citi Merchant Offer ''. They insisted this was the path to take, so I did so. They said I would hear from them in about XXXX days. 

After waiting an additional XXXX weeks and receiving no communication, on XX/XX/XXXX I called Citi again and explained the same issue. The representative informed me there was no record of a prior " rewards dispute '' but that I needed to submit XXXX again. I insisted there was XXXX, but they said they couldn't find it. I submitted a new rewards dispute and asked for a confirmation number, but they said there was none. Frustrated, I insisted I receive some sort of confirmation before hanging up given that I had already done this once. At that point they said they had located my prior dispute but that it had not been acted on. I told them I expected a response in 14 days. 

Shortly thereafter I received a letter from what I assume was my initial call, indicating that the correct rewards points were issued for my purchase. This of course was not my issue despite my clear explanation in that vein. Now, a month later, I have received no follow up from my second call.

Company response to consumer: In progress
Consumer complaint received 2023-10-24
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX 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 2022-12-08
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: Information belongs to someone else

Complaint:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX  Balance : {$83000.00} ; XXXXXXXX XXXX XXXX Balance : {$1.00} XXXX XXXX XXXX XXXX Balance : {$54.00} ; XXXXXXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$83.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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