BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: OneMain Finance Corporation
State: CO
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. 

15 USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section640 A Section 2 : it also states a consumer reporting agency account furnishes an account without my written instructions.

15 USC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
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 status incorrect

Complaint:
This comaplaint is for XXXX for the XXXX XXXX XXXX credit card. My credit card was used without my consent on XXXX XXXX, 2017. There were two charges made. One charge was was at XXXX XXXX XXXX for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XXXX XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that XXXX closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that XXXX needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one XXXX XXXX account showing a balance of {$940.00} and another one of {$47.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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:
In XXXX, and XXXX of 2017 by letter, I requested that the credit reporting bureau, Experian provide as they stated, and I was legally entitled to as they listed that they verified two public record bankruptcies with a third party vendor, I as allowed by law, the name and address of that vendor. In the meanwhile, I contacted XXXX XXXX a third party vendor used by some credit bureaus and requested information to see if they provided the information to Experian. The response after two mailing that my information was merged with two persons with the same name likeness, and addresses as I but it was corrected to remove those merged reportings. 

In my letter to Experian, I advised them that my information was merged with others with my same name likeness, except that name likeness is only the last name, in return Experian added those other name likeness to my credit file, and did n't removed the merged information, stating that they had verified with a third party vendor, but would n't identify the vendor. 

My conplaint is that Experian knows that my information is merged with others, and its a financial decision on their part not to remove the merged information, secondly after stating that I contacted on my own that its not XXXX XXXX that is providing the report, they double talk and still refuse to identify the third party vendor because in identifying the third party vendor, it would be verfieid that they are falsely reporting.

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 2022-04-29
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act 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 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

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 2017-09-26
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was completely misled about the services Guaranteed Rate ( " GR '' ) was able to provide. 

I began the refinancing process in XXXX on an investment property and was very upfront on the particulars of the transaction I was looking to undertake. Specifically, I let the lender know that I was refinancing an investment property that had been purchased a few months earlier ( XXXX XXXX ) in an all cash transaction and that I wanted to refinance to get take some equity out of the property and redeploy it into another project. I was assured that GR could handle this and proceeded to apply for a loan only to have my terms changed and delayed time after time to the detriment of my business and personal credit. The process was incredibly disorganized, opaque and basically made it clear that GR was NOT able to provide the financing they claimed the could and that they were not dealing fairly. 

It is important that other investors / borrowers know that Guaranteed Rate is misrepresenting their abilities as a Lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the XXXX credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. to this day which is well over 30 days. i have yet to hear a response regarding disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING ignored. 

Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been well over 30 days so they shall be deleted promptly as stated by federal law.

I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me.

The credit bureaus also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. 


XXXX XXXX MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( XXXX  ) 2. # XXXX ( TO TRANSUNION ) 3. # XXXX ( XXXX ) The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME.

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 2020-04-23
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This is a false debt place on my name, I do not owed anything to this company. Never receive any letter or notification about this debt, only got this on my credit reports on XX/XX/2020.

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 2019-11-19
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV Funding LLChas opened an account using my information to report misleading and inaccurate information on my credit report. I have never entered into any contract or signed any documents or made any agreement with this collections agency. They have no right to furnish any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down! They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and making it impossible for me to obtain credit. Please remove this account from all 3 credit bureaus, XXXX XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Key 2 Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had been in contact with the company regarding an outstanding debt. The account manager took it upon himself afterwards to call my relative out of state to discuss the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Innovis
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
First of all I requested a copy of my report from you you gave me a username and a password which I have attempted to type in five times and each time it tells me it 's wrong there 's no way I made a mistake 5 times in a row the report is beyond inaccurate I mean most of it is wrong I have no idea where you 're getting your information.
First of all you list a lot of different addresses most of them I have never lived at the only address that is correct is the one that you sent the copy of my report to XXXX XXXX XXXX XXXX XXXX Michigan XXXX never lived in any of those other addresses you have my date of birth wrong my date of birth is XXXX/XXXX/XXXX phone numbers none of these phone numbers belong to me my phone number is XXXX XXXX names you have listed XXXX that 's a nickname and not my legal name and not what I use for any type of credit card my legal name is XXXX XXXX XXXX. 

I was a victim of identity theft all other the other three major credit bureaus do n't have any of these negative accounts listed all of this has been resolved quite some time ago your company is very much out of the loop 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 None of the accounts listed above belong to me some of them I 've never seen in my life others as I alluded to before were part of the identity-theft that have been removed from everybody else 's report not sure why you still have them and then there was the accounts in good standing which the information is not correct you do n't have payment information or credit lines are so many mistakes on this report it 's unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I I haven't had a freeannualcreditreport in years I try to request an annual report online and it stated I wasn't giving the correct information so I called an XXXX number with XXXX I tried again it went through the steps to identify myself and they gave me a incorrect first name all together not even close so I gave me an option to give my correct name and I did but the annual credit report that I requested through the mail was never received instead I received a letter stating that they still could not identify me and I would need to contact you I need to know what steps to take next and what can be done and how this happened who and why and where and how it can be fixed please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
CFPB, This is my fourth dispute over the past couple of months I have file in regards to XXXX, TransUnion and XXXX  violations and none compliance of the Fair Credit Reporting Act. XXXX, TransUnion and XXXX  continue to use stall tactic to not delete the inaccurate information on my XXXX XXXX XXXX account for the month of XXXX. XXXX  continue to request information from me to prove my identity. I have on multiple occasions provided the complete requested information to prove my identity to XXXX  most resent on XX/XX/XXXX. I have provided my drivers license showing my name, home address alone with my XXXX XXXX form showing my name, home address and SSN to XXXX. 

CFPB, XXXX  in my last dispute with this inaccurate account has used stall tactic accusing me of being a credit repair company and now for the second time they are stalling and refusing to delete this information by requesting information for my identity that I have provided multiple times to XXXX, TransUnion and XXXX  through my dispute with CFPB website I have provided the information requested multiple times. I have file other dispute resently with XXXX and have received response at my home address at XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. XXXX  knows my identity this is willful stall tactic to not delete this inaccurate information 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 explanation
Consumer complaint received 2021-07-18
Company: Bread Financial Holdings, Inc.
State: NC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is an amendment regarding the block request I previously submitted requesting that the fraudulent information currently listed on my FTC reports be permanently blocked. As I've always stated, my information was compromised in 2017 due to the negligent procedures of Equifax. The additional information submitted comes from Equifax acknowledging their egregious behavior regarding safeguarding my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have two checking accounts with Bank of America ; one ending in XXXX and one ending in XXXX. On XX/XX/XXXX, I called Bank Of America to close the account ending in XXXX and consolidate all of my funds into XXXX. The agent I spoke with was helpful and was able to move all of my remaining funds in XXXX into XXXX ( confirmation # XXXX ). The agent told me it would take a couple of days for the account to show as closed and we hung up. The following week on XX/XX/XXXX, I noticed the balance in my XXXX account had gone to {$0.00} and a cashiers check for my full account balance had been issued. I immediately called Bank of Amierca to try and issue a stop pay on the cashiers check and restore the balance into my XXXX. At this time, both of my accounts with BofA were showing a {$0.00} balance and I had zero access to liquid funds. The agent was not able to resolve my issue and opened a complain interally ( case # XXXX ) and said I should recieve a call back withing a few busienss days. BofA failed to follow-up with me and I had to make several additional outbound calls to try and resolve without any success. The XXXX account was closed without my request and the XXXX account was still open. 

On XX/XX/XXXX, an automatic payment on my credit card tried to draft from my now closed XXXX account and was returned resulting in a {$29.00} fee charged to me by my credit card issuer. 

On XX/XX/XXXX, the cashiers check for my remaining XXXX balance arrived via mail and was deposited into a new checking account I created with a different bank. 

There were 6 days where all of my money was unavailabe to me due to an issue by Bank of America which created financial difficulties. I do not believe BofA took sufficient action to escalate the issue and resolve internally.

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 2018-04-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank said that they received a legal order to hold my fund since XX/XX/2018. They did not want to release any information about this legal order. I being trying to get any information about this because I need to know what is happen with my accounts. 
I being calling the XXXX option 4 which is the Chase Court Orders and Levis and no one can give me any information than the I need to call back between 24 to 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have reached out to XXXX  to state that the late payments XXXX posted to my credit report were incorrect. I was protected due to the Cares act, CARES Act and Credit Reports If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020, and 120 days after XX/XX/2020, or 120 days after the COVID-19 national emergency ends. I got XXXX  in XXXX and was XXXX  from then until XX/XX/2020. I was not working and I called XXXX XXXX to inform them, since then I have been fighting to get these late payments off my credit report, we paid off both credit cards as soon as we got our stimulus checks, we would like to have the late payments removed, my wife is depressed because i lost our home and now trying to purchase a new home. the lender won't move forward until the late payments are removed. we have paid off most of our debt and we pay on time all the time, Please help us obtain a new home.

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