BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
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: Their investigation did not fix an error on your report

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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts and delete from 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 XXXXXXXX However, they stated everything was complete and accurate. Even after uploading proof from the following creditors that they accounts were not mines and should be deleted, they still remain on the bureau illegally. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. I have also attached a copy of a recent letter for proof.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: AMCOL Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I wrote and sent check for {$210.00} on XX/XX/23 for Medical bills to XXXX. I then got a letter in the mail on XX/XX/23 from XXXX XXXX stating I owe {$210.00}. 

My reference number is XXXX. Remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am not liable for this debt with XXXX and do not have a contract with XXXX XXXX date opened XX/XX/XXXX. I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX date opened XX/XX/XXXX I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. 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 2023-09-07
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I had covid forbearance and i went through required loan modification process right after the forbearance ended only to be rejected after full 4 months of Nationstar 's " property grab '' game :. 
After i submitted EVERYTHING they have asked for, they kept calling : we don't have this or that and many phone calls followed with ( XXXX ) questions ( excuses ) like : we can't process your application yet because we don't know when the child support is ending!!?? 
Not to mention that they changed the home loan specialist several times to make this process more difficult. 
It was more then obvious they had no intension to offer any modification WHATSOEVER!!! 
The loan modification was dragged on purpose for over 4 months even though i was told that the application will be processed in a month. 
The reason for this is that after 90 days of non payment the mortgage companies receive the FULL amount OF THE ORIGINAL MORTGAGE!! 
So this loan is paid in full.And if someone should be after me is their insurance company/BUt they cant do that because they secured an UNSECURED loan. 

I was asked, against Covid forbearance plan rules, to pay the full amount of covid forbarance at once to become current. 
No trial period was offered and Nation star went right into a foreclosure lawsuit. 
Many people that i know had their covid forbearance unpaid amount pushed to the end of the loan. 
I have asked for that option and i was rejected. 
Nation star did not show any effort to help me reinstate the mortgage. 
It was more than obvious that they ONLY wanted to foreclosure. 

Well, the truth is that my property is protected with an XXXX title which is a supreme title anyone can have so they will face the lawsuit if they try to foreclose against all the rules, regulations and against the law which they are trying to do. 

In addition to XXXX XXXX i have Private indemnity bond that protects my property from such unlawful, PREDATORY mortgage companies. 

I have also filed a 1099 A and 1099 c with The department of the Treasury, IRS which they completely ignored just like my first complaint here filed in XXXX of XXXX  My original second mortgage was XXXX XXXX  and they confirmed many times that second mortgage has NO RIGHT to start the foreclosure which is exactly what Nationstar did. 

So even if foreclosure happens that is not going to be an end for me or them, the lawsuitS will just start and they will lose. 

Get ready Nationstar, I fear no EVIL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
COMPANY PORTFOLIO RECOV ASSOCXXXXXXXX XXXX XXXX XXXX MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM PORTFOLIO RECOV ASSOC/SYNCHRONY BANK, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 
PORTFOLIO RECOV ASSOCXXXXXXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION. 
-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF PORTFOLIO RECOV ASSOC/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: DISCOVER BANK
State: MO
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:
XX/XX/2023 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.

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 XXXX, 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. 


Report this account as disputed Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 received an alert/alerts on XX/XX/2023 that I had an hard inquiry from Capital One, XXXX XXXX  and other financial companies regarding a hard inquiry that I did not authorize. I need them removed immediately as I didnt authorize the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I accessed my Synchrony account to find that {$49000.00} had been transferred out of my account to an account at XXXX XXXX  on XX/XX/XXXXXXXX  AND {$21000.00} had been transferred out of my account to a second account at XXXX XXXX  on XX/XX/XXXX. I immediately called Synchrony and had been told that 2 accounts at XXXX XXXX  had been added as external accounts and that the money had been transferred. I advised that I had NOT added these external accounts nor did I transfer the money. Synchrony has opened an investigation into this fraudulent transfer. On XX/XX/XXXX, I received paperwork to fill out, which was completed and overnight XXXX 'd back to them the same day. 

On XX/XX/XXXX, I received an email in my junk folder from XXXX. I did not open the email because I never heard of XXXX  but after googling them found out they were affiliated to XXXX XXXX, another bank I've never heard of until this incident. I did relay this information to Synchrony to include in my file. 

On XX/XX/XXXX, I received another email in my junk folder from XXXX. I still have not opened the email since I do not have an account, nor have I attempted to set up an account at 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 monetary relief
Consumer complaint received 2023-09-06
Company: Shellpoint Partners, LLC
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
NewRez is egaged in fruaglent lending practice. 
They NewRez discrimination by not allowing all of my income to be disclosed. 
NewRez XXXX my political job could not be counted when the Federal Government allows it on my taxes. 
I would like an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Both XXXX XXXX XXXX and XXXX is showing late payments on my credit report. I had paid off my XXXX account in exchange to remove the late payments and they are still there. Additionally, I contacted XXXX and they promised to remove the late payments as well because I am paying on time. Please correct the late payments on both of these accounts. Lastly, There is an inquiry that needs to removed as I did not authorize it.

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 2023-09-09
Company: Modoc Tribe Financial Services Authority
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2023 XXXX XXXX contacted me at my place of employment demanding that I pay an alleged debt. I did not give XXXX XXXX my work number. I called them back later on that day of XX/XX/2023 and told them that my employer forbids these kind of calls and to please cease and desist all calls and communication with me immediately. I am still receiving calls and emails from this company. This company is still calling my place of employment harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: MoneyLion Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I been a customer of MoneyLion for years and enjoyed their various products which include instacash ( a cool feature to increase your cash flow ) and 2 day early direct deposit. The reason for the complaint is the dispute process. Which is very old fashioned and inconvenient to the customer. Imagine a scenario where you didnt receive your XXXX goods where you spent hundreds or even thousands of hard earned dollars on. You go to the merchant and they cant help you so you go to the only one you can trust, your card provider aka bank aka MoneyLion. Now you goto dispute and they tell you instead of receiving your provisional credit within hours like most banks do, that you have to wait 10 business days and if qualified will receive your provisional credit back. It was a let down hearing that but I waited patiently and the 10th business day comes I contact customer support for them to tell me they working on it and to mail them the dispute. Like what? Why you guys didnt tell me prior to do that? And now they telling me it can take 90 days to receive it and provisional credits are not guaranteed. All around it sounds like a big red flag and I dont like that. When people spend their hard earned dollars on something why you guys making the customer feel at fault and holding their money hostage? This is one of the worst experiences ever and Im moving my direct deposit and will never invest in this business. I was prompt and efficient in contacting them and asking for any further documents via phone, email, live chat and they treating me like I shouldnt have lost my products. Im sick and tired of companies getting away with this fraud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX, someone opened up credit in my name fraudulently. This person resides in XXXX. I reside in a different state. The account was eventually closed. I froze my credit and added a fraud alert. However, the address is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief