BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

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 2023-06-05
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/23, our mortgage loan was transferred to this company. Since then, we have not been able to make contact with a representative about making sure we receive our monthly statement. Unable to get past their automated system. This is a simple process to complete. We have not requested paperless billing. I have reached via their website to their president with no success. I have filed a complaint with the Texas Dept of Savings and Loan as well as North Carolina Dept of Savings and Loan. If the interest rates were not so high, I would refinance with a local bank so that my loan servicing would not get sold. I have to set a reminder on my phone each month to pay. Even if I had chosen to go paperless, we have not received any communications whatsoever from this servicer. I just want a hard copy monthly statement of my mortgage account.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: PA
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:
Since XXXX of XXXX, I've sent multiple letters to the consumer reporting agency informing it that the agency is not abiding by the standards of consumer credit reporting. I've attached a copy of one of the letters for reference, but I'll just give a couple examples. 

First, I never authorized or validated for your agency to have any name other than the name that appears on my government ID and social security card. The same goes for my address, which is all stated in my letter as XXXX XXXX XXXX and the address is XXXX XXXX XXXX, XXXX, PA XXXX. Also, I can only have one birth year. Your agency has my birth year as " XXXX '' when my actual year of birth is XXXX. 

In regard to the accounts, I noticed the items listed, such as XXXX XXXXXXXX XXXX ( collection/ charge off ), the date opened is inconsistent and base segment character field XXXX " First date of delinquency '' is not present on the report which is mandatory for collection accounts. This is just one example of the failure to meet credit reporting standards set in place. Please review my letter in entirety as well as conduct a re-investigation.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2022-11-08
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:
I sent these companies certified letters requesting they show me proof of the negative items they are reporting on my credit reports by sending me copies of the original signed contracts that they by law are supposed to have on file before reporting the negative items on my reports.I have not had any responce from the companies and they did not fix anything that is incorrect and never showed me the requested paperwork i asked for.It has been over 60 days since i sent out these letters and i have had no responce.Please follow the law and remove the negative items off of my reports as you have not shown the proof that you are correctly reporting these items on my reports.This is my third time of saying this and reporting that you are not complying.Please remove the items from my reports at once.

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 2023-07-11
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: Personal information incorrect

Complaint:
I sent TransUnion a letter disputing all the inaccurate addresses they are reporting on me. 

The following addresses are inaccurate and I want them deleted from my report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The ONLY correct address for me is : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX already sent them a letter explaining that these addresses are inaccurate and could put me at risk of identity theft. I do not want my sensitive information to be sent to the wrong address. I will attach the letter to the complaint.

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 2015-07-17
Company: Paypal Holdings, Inc
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Paypal Credit. I have a regular PayPal account that is linked to a credit card. I have had it for years and have never had any problems with using it for on line purchases from various vendors. Today, however, I purchased a XXXX and a protection plan from a vendor on Ebay. I selected Paypal as my method of payment. The paypal log in screen came up as usual. I logged in, then clicked on " purchase '' and I got an order confirmation. As I recall, it did ask me to confirm my identity with my date of birth and last XXXX of social. I thought maybe that it was because I had n't ordered anything from ebay in a long time. A couple hours after placing the order, I got an email from Paypal thanking me for using Paypal credit to make this purchase and it had a name of XXXX XXXX Bank, which is not my credit card bank. I was furious that they had signed me up for credit without my knowledge or permission. I called PayPal. They told me that they had already approved the payment to the vendor so there is nothing they can do ; they offered to cancel the Paypal Credit account, but told me the payment for this purchase would still have to be made to them and then they told me they do not accept credit cards. For an on line purchase! This is a total scam. This is a way for PayPal to try to force me to give them my bank account information. They want me to link my PayPal account to my bank account, something I have repeatedly declined to do every time that they have offered. I am just flabbergasted that they are doing this without any signature from the customer. They told me that when they asked for my DOB and last XXXX of social, that was me agreeing to apply for PayPal Credit. It never said anything like that, though. It never even mentioned PayPal Credit. I am not some dumb illiterate person who does n't understand what I 'm signing up for. I have excellent credit and carry very little debt and I would never have agreed to this had there been any language at all that indicated that it was an alternate method of payment than my normal PayPal account. It just said they needed to verify my identity. I just XXXX this after it happened and saw that they have already been fined for this, yet here they are months later still doing it. They need to be put of business, ordered to cease and desist doing this immediately. This affects people 's credit reports and this is just wrong! Many people do not even have checks anymore and use credit cards and electronic banking for everything, yet PaPal Credit is illegally signing up unaware customers for credit loans that can only be paid for via a linked bank account or a personal check. You obviously need to send a much stronger message than the simple fine you slapped on them earlier. I do not know if this happened because this was a purchase on E-Bay, who was formerly affiliated with PayPal, but it seems suspicious to me that it has never happened with any other vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
My son is XXXX XXXX Military, requested XXXX and XXXX XXXX, and XXXX XXXXXXXX refused to assist. Telling me that my son needs to apply. He is in XXXX and XXXX XXXX and doesnt have the opportunity to do so. I am a Authorized User in order to help with his accounts. XXXX XXXX XXXX XXXX Ss XXXX dob 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 explanation
Consumer complaint received 2023-07-11
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 the accounts below has violated my federally protected consumer rights the privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled a full report of my credit profile and noticed a slew of inquiries on my TransUnion account between XXXX and XXXX. I filed a Identity Theft report via FTC for these inquires. I mailed this report on XXXX along with notarized letters, provided my ID, XXXX card, signature and utility bill to prove it was me sending this dispute in. All of these were mailed overnight with tracking showing receipt on XXXX and I have been in contact with TransUnion ever since and they are refusing to acknowledge the dispute was sent by me nor will they take them off. 

I informed them I have not applied for any new credit from the following financial institutions showing the inquiries on my credit. I also informed them there are no accounts under my name on these institutions. 

XXXX XXXX ( XXXX, XXXX, XXXX ) - XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2022-11-08
Company: EQUIFAX, 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 XXXX Account US Dept ED # XXXX, Account # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX Self-Reported # XXXX, XXXX SELF-REPORTED # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have sent certified letter multiple times to transunion who contunues to ignore them and remove fraudulent and unauthorized inquiries from my credit report. and I do NOT have an open acct with XXXX XXXX  please remove

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong 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 non-monetary relief
Consumer complaint received 2022-11-08
Company: Genesis FS Card Services, Inc.
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 information incorrect

Complaint:
I do not own this account! This account does not belong to me! I have never opened a card or loan with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-06-05
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
From XXXX to XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX  on my hand. I never reciev a bill even though I requested an itemized bill several times. They failed to properly file with my insurance company. XXXX XXXX i recieved a collection ntice for {$2000.00}. I called the hospital and was told it is now too late to file correctly on the insurance. Once again I requested an itemized bill - they emailed me an " itemized bill '' which is incomplete list of all visits I made and payments I have made at time of services. I have been out of work since XX/XX/2023 and currently have no income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 consumer reporting agency can not furnish an 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 2022-11-08
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Hello, on XXXX XXXX I submitted a complaint about the credit reporting agencies concerning XXXX bankruptcies on my report. 
These are the complaints that I sent, XXXX XXXX XXXX XXXX XXXX I never complained about the accuracy of those bankruptcies. My complaint was that they should be removed. The law clearly states that I have the right to privacy per 15 U.S.C 1681. Also the courts do not provide bankruptcy information to the credit reporting agencies. I submitted my documents including the letter from the court stating that they do not provide said information. Those items should be removed given that's the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: AL
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 am writing to request the removal of unauthorized credit inquiry/inquiries on my ( Equifax ) credit report. My latest credit report shows ( 13 ) credit inquiry/inquiries that I did not authorize. 

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 I have not applied for anything therefore these inquiries shouldnt be on my credit report I havent given anyone permission to run or use my credit its my privacy right according to the FCRA.

Company response to consumer: Closed with explanation