BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2021-09-21
Company: Real Time Group, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got a loan modification with a new balance of {$180000.00} XXXX. I have a mortgage statement showing balance is {$160000.00} for one loan and {$0.00} balance for the other loan XXXX. Both loans have same initiation and maturity dates. Only one loan shows {$160000.00} balance due on credit reports yet servicer Real Time Resolution still sends collection letters for the {$0.00} balance loan not on any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Convergent Resources, Inc.
State: NY
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:
XXXX XXXX open XXXX XXXX {$1300.00} XXXX XXXX open XXXX XXXX {$360.00} Convergent Outsourci open XXXX XXXX {$5800.00} XXXX XXXX co also the i get denyed by banks never open a account a day in my life need everything gone from my report. 
its say i have a collection of over 6,197 i called and i tryed disputing, people say i owe i get denied for house becouse of it, i know the person who used my identity to get things in my name i didnt give access to my credit report till this year my mother been using my name to get thing without my permission. also i got my last name changed due to marrage need everything updated my info and the info on my repoet is wrong. i was a victim of identity theft

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 2022-03-29
Company: EQUIFAX, 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:
The accounts mentioned below that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-02-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Citizen Bank is attempt again to report and collect a fraud loan and debit made from a XXXX XXXX XXXX XXXX, when I was going to XXXX and XXXX and using XXXX and XXXX XXXX. Two Both I and the Co-Signer whom also didn't agree or apply for it File XXXX  XXXX XXXX and it was discharge, I was also on SSDI and had all Student Loans Discharge CITIZENS BANK Balance {$58000.00} Balance updated XX/XX/XXXX Original balance {$57000.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Education Loan Status : Charge-off Status updated : XX/XX/XXXX Past due amount : {$58000.00} Original balance : {$57000.00} Monthly payment Old Reporting which was XXXX out and removed for XXXX XXXXRBS CITIZENS NA Balance details : Paid off Balance : XXXX Balance updated : XX/XX/XXXX Original balance : {$32000.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Education Loan Status : Charge-Off, Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated : XX/XX/XXXX Past due amount : XXXX Original balance : {$32000.00} Responsibility : Joint Account Terms : 254 Months Comments : Account information disputed by consumer Contact info XXXX XXXX XXXX XXXX, PA XXXX Phone number XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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 submitted disputes and a FTC report for fraudulent accounts and hard inquiries on my credit report. 

XXXX - Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$330.00} XXXX XXXX {$650.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} Transunion - Inquiries : XXXX XXXX XX/XX/XXXX XXXX To XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Accounts : XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX  {$650.00} XXXX  XXXX  {$1000.00} XXXX - Accounts : XXXX  XXXX  {$650.00}

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 2023-09-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Here is my two 1099 C copy B from XXXX XXXX at XXXX XXXX. This should show that not only did the IRS accept my tender of payment, but XXXX XXXX at XXXX XXXX sent me two copies. Please take this student loan debt off of my credit report as soon as possible. My debt has been paid.

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 2023-03-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Chase offers XXXX XXXX XXXX XXXX. I availed the card XXXX and booked ticket for my wife on XXXX XX/XX/XXXX with XXXX via XXXX using the chase card for to and fro ticket for travel to XXXX between XXXX XX/XX/XXXX and XX/XX/XXXX. We paid {$1000.00}. 

My father in law had final stage XXXX so my wife wanted to see him. In XXXX I got a call from XXXX that his condition was worsened and therefore I had to send my wife to XXXX on a different ticket because changing XXXX ticket on new days was costing us additional {$3000.00} as difference amount while a separate itinerary costed us {$2300.00}. My wife traveled between XXXX XX/XX/XXXX to XXXX XX/XX/XXXX to XXXX on different ticket. 

XXXX / XXXX refused to refund or extend ticket to different date. So for trip protection as per card policy, I filed online claim with Chase online portal eclaimonline on XXXX XXXX with claim ref XXXX. I submitted every single document they needed right on XXXX XXXX. 

Every time I login, I would see a message that claim would be assigned an investigator and adjudicated in 5 days but those 5 days are now till XXXX XXXX. While I am told that the claim in on the way to be paid, I am told that there are staffing issues with Chase to process claims. 

If someone is contracted to provide service, staffing issues should not be something customers have to suffer for.

I wrote to chase CEO office on this on how they are going to fix this but so far I have not got any suitable response on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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:
The accounts mentioned below that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the list of the inquiries that are erroneous in my file and need investigation : 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 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 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 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 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am writing to express my extreme disappointment with the inaccurate and incomplete credit information you have reported about me. Your failure to maintain reasonable procedures to assure maximum possible accuracy in the credit reports you publish has caused me significant distress. I demand that the following information be immediately investigated and removed from my credit profile. I also demand that you provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX  Opened Date : XX/XX/2018 Balance : {$100000.00}. I expect an immediate response to this complaint and a prompt resolution of the issues I have raised. Failure to comply with my demands may result in legal action being taken against your agency. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

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 2023-03-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX GA XX/XX/XXXX ; XXXX XXXX GA XX/XX/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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing! 
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isn't that what the law states so I don't understand what's going on please help me understand these companies are not being help to comply and I don't need the credit bureaus to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity The accounts that are being disputed are XXXXXXXX XXXX Late Payment from XX/XX/XXXX XXXX, Late Payment from XX/XX/XXXX XXXX XXXX XXXX needs to be deleted from the profiles, account has been paid XXXX XXXX XXXX, Company has been sued for predatory lending. Remove account from profile XXXX XXXXXXXX XXXX XXXX Late Payment from XX/XX/XXXX XXXX, Late payments from XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX needs to be removed

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 2022-03-29
Company: WELLS FARGO & COMPANY
State: CA
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: Their investigation did not fix an error on your report

Complaint:
The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

WELLS FARGO CARD SERVICE 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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-03-29
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I need to know from Nationstar Mortgage LLC d/b/a Mr. Cooper that when are they going to send an appraiser for my property? and when will you remove PMI from my Mortgage payment? 

I can not afford the pre pandemic payments i was making, so when are you going to do a modification? 

And it seems you have done another mistake, just recently sent me a letter which states this - " As you know, our firm represent XXXX XXXX XXXX  ( " XXXX '' ), successor by merger to XXXX XXXX XXXX XXXX XXXX, the mortgage loan servicer of your loan referenced above '' Who is " XXXX XXXX XXXXXXXX ( " XXXX '' ) '' and who is " XXXX XXXX XXXX, XXXX '' My Mortgage servicer is Mr. Cooper. What is this nonsense letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: UT
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:
I have been trying to add a statement to all 3 credit reports but they freeze up and don't go through online. Getting through on phone is impossible

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