BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$9400.00} XX/XX/2021 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a paid charge off that has been reporting on my credit for a couple of years now. This paid charge off has a huge impact on my ability to secure favorable credit terms and financial opportunities. I have attached supported documents from the ACTUAL creditor. I kindly ask that you conduct a thorough review of my account and consider the removal of this paid charge off. I trust that this documentation will aid your evaluation and decision-making process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
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 am writing to bring to your attention a concerning issue regarding my recent credit report. Upon reviewing my credit history, I discovered an unauthorized inquiry that took place on XX/XX/2023. This inquiry was conducted without my knowledge or consent. 

I have not provided authorization to any entity for this inquiry, and I am deeply troubled by this violation of my privacy. I have taken immediate action by disputing the unauthorized inquiry with the relevant credit bureau and placing a fraud alert on my credit report. 

I kindly request the Consumer Financial Protection Bureaus assistance in investigating this matter. I believe it is crucial to address and resolve this issue promptly to prevent any potential negative impact on my credit score and financial well-being. 

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
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 have been a consistent victim of identity Theft. I have lost years and hours and a lot of money and time trying to fight The false information on my report. I've had multiple credit cards used on my report opened in my name, loans, phone bills and internet bills used in my name. I've recently had multiple inquires used in my name and false accounts opened in my name with no information on who and how. 

Pursuant to section 605B of the Fair Credit Reporting Act, it is by law which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Below are the accounts listed have been sold to multiple debt collectors with my stolen identity information. I Have attached my identity theft report. Below is the information, inquiries and addresses listed which incorrectly appears on my credit report that needs to be removed and blocked from my credit report : For XXXX : XXXX : {$290.00} XXXX XXXX : {$300.00} - Account : XXXX Credit Cards : XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Loans : XXXX XXXX XXXXXXXX : XXXX XXXX  : {$650.00} Account : XXXX XXXX XXXX  : {$210.00} - Acct : XXXX XXXX : {$180.00} - Account : XXXX For Equifax : XXXX : {$290.00} XXXX : {$1800.00} - Acct : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$120.00} XXXXXXXX XXXX XXXX XXXX : {$240.00} - Acct : XXXX Fraudulent Openings used in my identity : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, XXXX Fraudulent Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and XXXX Payments are reported as late on XXXX, Experian, And XXXX, although a double payment was made in XXXX to XXXX XXXX  Loan number XXXX Account XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute the following information that your company supplied to [ XXXX, XXXX, Equifax ]. I have circled the items I dispute on the attached copy of my credit report ( XXXX ). 
XXXX XXXX account number XXXX is inaccurate [ or incomplete ] because [ all XXXX credit bureaus are reporting account types XXXX states the account is open XXXX said it is a cell phone account also Equifax says the account is open and all XXXX bureaus are reporting the account status is closed if you get your information from the same place why are my reports so different is this XXXX open or closed how can a account be open and closed which on is it ] I am requesting that [ XXXX, Equifax and XXXX ] have the item removed Enclosed are copies of [ my credit report and any other documents enclosed with a short description, for instance, your record of payments made ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( XXXX ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: TX
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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from 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
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hello, Good morning, I hope your doing very well. 

my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

XXXX XXXX  XXXX Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 5 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below.

I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Reverse 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:
PHH took over servicing the reverse mortgage on my late parents house. I am the XXXX  XXXX trying to sell the house. It took me several years to evict a squatter and the house has been in foreclosure during those years throughout the pandemic and eviction moratorium. I thought we had agreed to hold the foreclosure in abeyance to give the estate a chance to short sell. After we finally got access to the house we discovered that the tenant had trashed it. Our interested buyer who had patiently waited to submit their offer could finally see the interior of the house. The banks appraisal came in lower than they expected and they put my buyers short sale offer on hold pending a police report that they wanted the estate to file so they can file an insurance claim to offset their losses instead of negotiating the the short sale in good faith. Meanwhile the bank refused to stay the auction which is scheduled in 3 weeks. This is a bad faith maneuver. I have no choice but to put the estate into a bankruptcy action to stay the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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  will not delete a closed account from my credit report on all bureaus even after it is 7 years and two months in age, and they did not uphold their XXXX insurance agreement after I became permanently XXXX. I had been cleared by their collection agency case manager inXX/XX/2019, and told I no longer was being pursued legally, nor was I responsible for this debt of XXXX due to me being totally and permanently XXXX from injuries sustained in XXXX XXXX, and the XXXX insurance. My report even shows the account was closed XX/XX/2019, however, it shows a last payment date of XX/XX/2019. So those dates are very wrong as well. I have been disputing this for years now to get this negative account deleted to no avail. This is severely impacting my credit negatively, and is unfair. Can someone please investigate this matter as I would like to avoid unnecessary future legal fees.

Company response to consumer: In progress
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-11-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Filed a fraudulent charge claim with my bank, Fifth Third Bank. A transaction that wasn't initiated by me or my wife occurred on XX/XX/XXXX via a debit card transaction in the amount of {$550.00}. 
The charge was a XXXX XXXX in XXXX XXXXXXXX XXXX ( we live in XXXX  ). 

Once I noticed the pending withdrawal, I contacted 53 bank. opened up a dispute. during the conversation i did state that I don't even recall receiving a debit card for this checking account. Told 53 bank this was not a charge initiated by myself or my wife.

Funds reversed during investigation. 

Received letter in early XXXX that my dispute was declined. I called them to inquire as to why -- - they stated that they have evidence of a debit card being activated by my wife back in XXXX. Which I'm sure is true but I didn't remember that fact. Well, because of that statement they denied the fraudulent dispute charge. 

I told them that I don't recall activating the debit card and we never used it for any purchases ( checking account is used to pay bills for a property ), and asked for dispute to be re-opened. 

They re-opened the dispute but a few days later received notification that my dispute was declined again. 

I called XXXX XXXX to request a reversal of charges. They mentioned to me a name of a person who we do not know -- -- that individual reserved a room at the XXXX XXXX but never showed up. So the charge was for a no show room reservation charge. Despite my plea that we had nothing to do with this reservation, or that we don't know the person that reserved the room, and that we were nowhere near Texas at any time -- - XXXX XXXX also declined to reverse the charge. 

Please assist us. We are extremely frustrated that we are responsible for this payment that we had nothing to do with. This was a fraudulent charge and I don't know what else to do to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: NAVY FEDERAL CREDIT UNION
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
BMO took over Bank of the West. On XX/XX/XXXX the transfer was complete. Around XX/XX/XXXX I went online to establish my account with BMO I received an error message. I called and the agent was able to clear the error. I went to the next step to verify my bank information and they requested the user name and password of my bank to verify my account. Not happening. I spent 3 days using their XXXX alternative to verify my account. Each day I receive error messages. I finally was able to verify my account.On XX/XX/XXXX I received an email that my phone number was taken off my account. I again called BMO was told the agent had no access to my account. He could not or not explain why. I asked to be transfered to someone who could access the account. I finally was connected to a person. She explained that my account was shut off because they request a driver license verification. In this process, I could no longer access my account. I never recieved that by email or bank message. I requested that they mail through the Post Office the driver license request and a payoff bill. I was told they could not send me a driver license verification through the mail. She also told me if I sent a check in the mail that no one could access my account. Today XX/XX/XXXX I have access to my account for now. In between all these conversations I was being told that I would need to go to my local branch. I live in XXXX  the local branch to me is XXXX XXXX XXXX. I was told also when I called The XXXX toll-free number that they could not help me because I am in the US. So XXXX is not an option. All I would like to do is to make sure that my BMO account is active. I am taking a personal loan from my bank to payoff this loan if I get the mailings. I just want to pay this off. I do not want my credit score to be effected, I worked hard to get it where it is at. In XXXX  years I have never had this type of issue. Please help Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
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: Problem with personal statement of dispute

Complaint:
ON XXXX I NOTIFIED TRANSUNION BY CERTIFIED MAIL XXXX THAT DEBT TO XXXX XXXX XXXX AND XXXX XXXX XXXX  WHERE NOT MINE OR AUTHORIZED BY ME. I RECEIVED THE SECOND FORM FOR DISPUTING A CHARGE TO WHICH I ALREADY DID MONTHS AGO. MY CREDIT SCORE WAS XXXX AT THAT TIME AND THE PHONY CHARGE LOWER IT TO XXXX WITH ANOTHER COMPLETLY DEBT THAT I AM DISPUTING AT THIS TIME. AS I REMEMBER XXXX PLUS YEARS OF CREDIT REPORTING I DO NOT REMEMBER ANY BAD DEBTS ON MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: SC
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 XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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