BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 # XXXXXXXX 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 2023-01-09
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: Old information reappears or never goes away

Complaint:
I have been reporting that my personal information ( personal identifiers ) is reporting incorrectly for the past 5 years, and this company refuses to correct them even when I have provided them with my correct identifiers and police reports, FTC reports and have submitted previous CFPB complaints to prove identity theft. I have also expressed for years that I believe the consistent reporting of my incorrect personal information is a contributing fact to my consistent identity theft issues.

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 2023-02-13
Company: EQUIFAX, INC.
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:
I have incorrect addresses and fraudulent or error accounts appearing on my credit as follows : Incorrect addresses are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts in error are : XXXX XXXX XXXX XXXX Balance {$220.00} ( Only on XXXX ) XXXX XXXX XXXX Balance {$450.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX Balance {$400.00} I have contacted each of these and most of which are third party debt collection agencies and it is against the law per FCRA Section 604 15 U.S. Code 1681 B, to produce these false debts for which they have not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Requested removal of unauthorized inquiry which Equifax returned as a factual documentation coming from me but without no actual documentation to prove this was coming from me I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge. I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition. I respectfully request a copy of any documents authorizing credit inquiry. and signed on mv behalf. so that may verity its validity. 
If you find that I was not the one who authorized this inquiry. I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. It you tind that I am in error. then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: EQUIFAX, INC.
State: NC
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:
Sent out reports to the credit bureaus they verify accounts was factural, but accounts showing incorrect open dates, reported dates, active dates. 

If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified the consumer reporting agency shall, promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Sent out reports to the credit bureaus they verify accounts was factural, but accounts showing incorrect open dates, reported dates, active dates. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified the consumer reporting agency shall, promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation.

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 2022-12-26
Company: EQUIFAX, INC.
State: TX
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. 

Account name : AXXXX 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  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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2022 someone tried to open a capital one credit card in my name my credit monitoring service altered me an I immediately contacted capital one an reported the frudlint account, Thay did a investigation an determined it was frudlint an I was promised that the account and the inquiries and the address associated with the frudlint account would be removed from all XXXX of my credit reports within XXXX  day 's it's been over XXXX day 's I've reached back out to capital an all XXXX of the major credit reporting agencies with no luck nobody will help me, I repat the account was invested an determined as frudlint by capital one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/ 2022, capital one allowed a construction company by the name of nature stone to charge {$2000.00} on to my card that was not approved. The company was waiting on approval of the owner of the house to be able to go ahead with the construction. Nature stone falsely sent a contract that was never signed to the capital one. When I stated I never approved or signed a contract yet they sided with nature stone. The contracted they sent to capital one was not signed. The owner of the house dude to this did not approve of the nature stone to do any work on their house. Natures stone took a picture of my state ID and a copy of my credit card incase the owner approved and we were going to move forward but stated nothing will be charged or any contracts signed until I talked to the owner of the house. The information was relayed to capital one and said it was out of their hands. I faxed the company proof this was not my house bc I could not sign for construction due to it not being my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2022-12-27
Company: Park Hill Holdings
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was not aware that I could opt out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: William D. Meeker Enterprises, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was not aware that I could opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2022 Filling a collection under my name. 

i do not know who XXXXXXXX XXXX XXXXXXXX is nor have i ever done business with them or been lent any my by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything. 

1006.18 False, deceptive, or misleading representations or means.

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 2022-12-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 my wife was scammed through a fake email claiming to be XXXX. They said her account was compromised and had her go through security steps to protect her account using XXXX. It was a scam. Shortly after I got an email from USAA that a person was added to my XXXX recipients by the name of XXXX XXXX was added to your Send Money with XXXX recipient list using the phone number XXXX. This information has been saved for future XXXX transfers. If you didn't make this change, please call us at XXXX ( XXXX ), XXXX, or our mobile shortcut # XXXX. After that there was a XXXX for {$300.00} from my account, {$690.00} from my sons account and {$850.00} from my daughters account. I immediately called USAA and reported it. The bank is making me responsible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I applied for a loan modification with Wells Fargo. I lost my job during XXXX  and we struggled to pay our mortgage. We were sent out documents and were ordered to make 3 trial payments for 3 months which we paid. We were told that a notary would come to our house to notarize our paperwork but after several attempts they never got back to my wife. Soon after my wife, myself and kids all got XXXX  and set us back a month. We finally were able to complete the paperwork and send it in the prepaid XXXX  envelope that was provided from Wells Fargo. They never received it and were unable to locate it even though they had the tracking number for it. To this day it was never found and during the process of filing complaints they sold our mortgage and never honored the loan modification. They said they would give us another loan modification which would be {$300.00} more a month than originally quoted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Reporting company used your report improperly

Complaint:
TransUnion, XXXX and XXXX are all reporting bankruptcy information that was obtained fraudulently and is also inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, it was obtained illegally and I demand to have it removed from my credit report, and # XXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, this information was also obtained illegally and I demand to have it 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 explanation
Consumer complaint received 2022-12-27
Company: ALLY FINANCIAL INC.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for a line of credit on XX/XX/22 and was approved for {$1500.00}, which resulted in a hard inquiry on my credit report. I was told I could expect my card within 7-10 business days ( by XX/XX/22 ). 

I contacted the company to follow up after two weeks and was told they simply can't issue and manufacture cards. They have no idea when the card will be available to me, despite my application approval. I submitted an inquiry and received no follow up or communication. 

It's been a month now and there is still no estimated deadline for issuing a credit card. 

I have received a hard inquiry on my score for a line of credit I have no access to, or no promise of access to. It's incredibly unethical to accept applications and pull credit for cards and funds this company has no intention of providing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, 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:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no results.

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 2023-02-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a follow-up to prior complaints. I have a mortgage with Select Portfolio Servicing. I became delinquent on my mortgage account and successfully completed a 12 month repayment plan, of nearly {$2800.00} per month, in XX/XX/2022. Please keep in mind that this repayment plan amount is double my normal monthly payment. When I entered into the repayment plan, I was advised that I could file a loan modification at any point during the repayment plan period. When I was approaching the expiration of the repayment plan, I applied for a loan modification. I was denied a loan modification by SPS, stating that I must wait until the completion of the repayment plan. Following the successful completion of my repayment plan, I submitted another loan modification application. I was denied. I issued a similar complaint with your office and was offered another repayment plan of the same amount, nearly {$2800.00} per month. I contacted the Obudsman Department at SPS, and spoke with XXXX. XXXX stated that he would request a lower repayment plan by extending the term. I contacted SPS for over 3 weeks, as I did not receive a response from XXXX, and could not reach anyone. I continued to leave voicemails and send emails. I finally spoke to someone on today 's date who stated that my reduced payment request was denied. The payment under the repayment plan is excessive and does not solve any problem with the mortgage as it ends with a balloon payment, which can not be fulfilled, as to why I was directed to file the loan modification with the original repayment plan, which also ended with a balloon payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation