BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: TN
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:
Please see the attach FTC report. This have cause me a hardship and your data breach had made my life XXXX. Please remove the unauthorized name, address, and inquires from my credit report immediately According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Mortgage Research Center, LLC
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: Account status incorrect

Complaint:
Veterans United Home Loans, XXXX XXXX XXXX, XXXX, NJ XXXX has continued to indicate I was late six ( 6 ) times on my mortgage payment because of their mishandling of my account. No attempt was made by them to notify me of an issue because of their incompetent handling of my account. I complained directly to them and they refuse to even acknowledge the issue I raised responding only that their reports to credit bureaus was accurate. It is not.

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 2022-06-21
Company: Social Finance, Inc.
State: AZ
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:
So when I got my statement in the mail I seen a bunch of charges from XXXX XXXX I dont use XXXX XXXX  nor do I have one I tryed to dispute the charger the denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper has purchased my loan that was previously with XXXX. The payment made on XX/XX/2022 for {$3100.00} has not been posted to my account three weeks later. I've spoken with XXXXXXXX XXXX they assure me the payment was made and the funds left my checking account and that is all they can do on their end. Meanwhile repeated calls to Mr. Cooper have resulted in a different story every time and no resolution. XXXX has forwarded their phone to Mr Cooper as it is my understanding Mr. Cooper took over the entire residential loan portfolio from XXXX. At this time I'm left under the impression that Mr. Cooper has stolen {$3100.00} from me. 

I did subsequently send an additional {$2800.00} to keep the loan showing current as I do not trust this company to not harm my credit report. But the {$3100.00} in their pocket and not posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was the victim of XXXX and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in XXXX reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( XXXX  ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 


Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

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 2022-06-06
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 XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act U.S. Bankruptcy Court 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 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: BANCO POPULAR DE PUERTO RICO
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: Account status incorrect

Complaint:
Re : XXXX XXXX, Popular Banco XXXX Credit Card ending... XXXX This bank is also doing business under these names : Banco Popular de Puerto Rico. XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX. XXXX XXXX, PR XXXX XXXX. Popular Bank. Customer Care Center ; XXXX XXXX XXXX Telephone : XXXX ; Mail : POPULAR CREDIT SERVICES Card Products Division XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX PR XXXX XXXX. E-MAIL XXXX ... XXXX XXXX XXXX. XXXX XXXX PR XXXX XXXX. BANCO POPULAR DE PUERTO RICO. XXXX XXXX XXXX. 

Popular credit services- Disputes Resolution XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX. Dispute Department. po box XXXX. XXXX, TX XXXX XXXX. XXXX XXXX XXXX. XXXX, GA XXXX XXXX. XXXX Consumer Solutions. XXXX XXXX XXXX XXXX, PA XXXX Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609 and Section 623 ( e ). I am requesting the following items on my credit report be updated to reflect the fact that this Bank has defrauded the above-named agencies by providing false and defamatory information regarding missed payments and late payments associated with this account. I have been in contact with this bank numerous times and have even frozen this account and they too closed it yet still they applied unauthorized charges, to which they have added interest and late fees but worse of all they have gutted my CREDIT over the total amount of {$130.00} the majority of which is fees and I made them reverse the charge on the unauthorized purchase that went through when it should have been rejected. They are a predatory lender. They need to be stopped. But right now I need these criminals to stop destroying my credit. 

XXXX  complaint # XXXX Popular Banco, XXXX, XXXX XXXX Credit Card ending in ... XXXX Please remove all derogatory ratings and records reported by the above credit card company from my credit reports and please block them from reporting any further negative credit reports from this credit card as this card should have been permanently closed for over 2 months now. 

HERE IS AN EXAMPLE OF JUST ONE OF MY OTHER CREDIT CARDS THAT HAVE BEEN AFFECTED BY THIS ONE CRIMINAL ORGANIZATION : Dear credit customer, Were committed to keeping you informed about changes to your account, so were notifying you of a recent credit line decrease made on your account ending in XXXX. 
Weve decreased your credit line to $ {$8000.00}. Youll find specific reasons for this change below : The credit reporting agency has reported a recent credit delinquency. 
The physical address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and another name they have used was XXXX popular.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
After sending certified, return receipt letters to TransUnion on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$3000.00} from XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Note that this was not sent in error! I am a consumer by law and my information was misused and now I am seeing false accounts, not 100 % accurate on my credit report. According to 1681i this account is in violation and reported without valid evidence. 
US DEPT ED XXXX {$12000.00} US DEPT ED XXXX {$57000.00} XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX {$280.00}

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 non-monetary relief
Consumer complaint received 2022-06-21
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I gave out my social security number to Lexington law firm for credit building and being able to purchase a home or a vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act, the list of the inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX : Requested on XX/XX/XXXX, XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXXXXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXXXXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX via Equifax XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  via XXXX XXXX : Requested on XX/XX/XXXX, XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX via XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  via XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXXXXXX XXXX : Requested on XX/XX/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 602 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 maty 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 ) Section : States 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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act, the list of the inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX via XXXXXXXX XXXX XXXXXXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXXXXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX via XXXX XXXX : Requested on XX/XX/XXXX, XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX  : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX via XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX via XXXX : Requested on XX/XX/XXXX, XXXXXXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXXXXXX XXXX : Requested on XX/XX/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 602 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 maty 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 ) Section : States 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 explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: CT
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:
EXPERIAN broke the LAW by reinserting an account that was previously deleted due to fraud by lying and stating that I disputed an item and it was updated when I didn't dispute anything. I previously provided a FTC/ police/ identify theft report and the item was deleted. They broke the law by reinserting the item and not sending notice within the five-day timeframe. The company is failing to dispute the item because the company said it isn't fraud after I sent proof and the company then changed the account number and tried to reinsert the item 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
Consumer complaint received 2022-06-21
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: Reporting company used your report improperly

Complaint:
i noticed after looking at my credit report that it shows late payments of my credit cards credit cards are XXXX XXXX XXXX XXXX XXXX  According to the FCRA 15 USC 1681b it is illegal to report late payments

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 2022-06-21
Company: Bridgecrest Acceptance Corporation
State: TN
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 purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX in XXXX, TN. The day I purchased said vehicle, I was told I had 7 days to return the vehicle. When I showed up on the 7th day, I was told I only had 5 days. The reason I want to return the vehicle is because it has been deemed unsafe to be driven on the road by THEIR warranty company ( XXXX XXXX ) after sitting in the repair shop 2 months. Their attorneys finally agreed to swap out vehicles, only if I did not get the new one inspected before signing the contract. Once I was told this, I left the vehicle on the dealership lot until an agreement could be made. After all, if I drive the vehicle and something happens that involves another driver, I will be held responsible due to driving an unsafe vehicle. The vehicle has been sitting on their lot ( all but this last payment paid with full coverage insurance ) since on/around XX/XX/XXXX. I have not heard from Bridge restXXXX since on/Around XX/XX/XXXX. I have also filed a complaint with the XXXX but Bridgecrest 's responses were not the total truth and I have since not heard from the XXXX  I need to return this vehicle and get all monies returned. If at all possible, the insurance fees would be appreciated too. 

I work rotating XXXX XXXX XXXX at a XXXX XXXX. This prohibits me from talking on the phone most days due to most offices being closed. If possible, I would appreciate a scheduled called from a representative on a day off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: SYNCHRONY FINANCIAL
State: LA
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:
Mutiple credit inquiries were created without my consent or knowledge. I called all companies XXXX in regards to the inquiry and asked that it be removed due to it not being authorized by myself.

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief