BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion is reporting inaccurate information on my consumer credit report. I have previously contacted them but did not obtain cooperation. I have also attached proof of my identity XXXX Driver 's license, social security card, and credit card ) because TransUnion has failed to investigate prior complaints alleging that they were not submitted by me. It should be noted that these after investigation, these accounts were removed from my XXXX  consumer credit report. Please see attached FTC Fraud Report and other related attachments

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX XXXX am verifying that I, XXXX XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything 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 non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX Balance : {$5100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
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: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Received a letter from a debt collector claiming I owe a debt to them. Company Name : Portfolio Recovery Associates, LLC. I disputed this debt with them and ask for Verification of this debt which they haven't provided me as of yet. I informed them that the information on the debt is inaccurate and that I'm not associated with this debt and to. Please Remove From my Credit Reporting. I then got in touch with the Original Creditor. XXXX XXXX  in which they informed me in writing that the debt was SOLD to Portfolio Recovery Associates, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My Mother in Law passed away and had an existing Quit claim deed for myself and my wife, Her daughter. 
The mortgage company refused to acknowledge our rights to the property for almost 2 years and would provide no information on the balances due and how our continued payments were being applied as we have made double payments and a {$10000.00} principal only payment in XXXX of this year. 
I was finally able to get a statement showing how are payment were applied and it has an extra fee charged to it for every double payment and they charged a fee to accept the lump sum payment. 
Upon asking why they did this i received a letter from the Staff attorney XXXX XXXX from 21st Mortgage corporation stating they would answer my questions in the future but haven't done so. 
I also requested a payoff amount for the loan and it is the total sum of all the payments through the term of the loan with no reduction in interest for the early payoff. 
They basically refuse to answer questions and have not been forthright about my payments. 
This is not the originator of My Mother in laws loan. I believe she had a death benefit on the original loan and it should have paid off the mortgage upon her death but the paperwork is confusing because we can't find the original documents. 
I feel that this servicing company 21st Mortgage is taking advantage of us and probably all it's clients. 
The Attorney 's name is XXXX XXXX XXXX Attorney ext.XXXX XXXX Can you help us get them to be legally forthcoming and find a resolution to the extra fees and total payments made without interest reductions?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
To Whom this may concern, Chime has put a temporary hold on my account. They claim to have noticed some suspicious activity. However, this is not true. I have upload sufficient evidence proving that I am the intended recipient of the deposits made to my chime account. I have made several attempts to resolve the issue & give as best explanation as I could to fix the issue. I have sent numerous emails, I have made several calls and the company had made no progress in identifying the issue. The company has kept asking me repeatedly for documents that I have sent over & over to no avail! Please, I need help resolving this issue. I have money that they are holding and I have bills that I have to pay or I will be homeless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On several occasions on different dates, I have attempted to temporarily lift a properly executed security freeze at Experian. In possession of the PIN used to place the freeze, I entered the requested data on the Security Freeze section of the Experian website. I then received a system-generated reply that my request can not be executed online. Instead, I am instructed to compile a long list of sensitive, personally identifiable information XXXX XXXX XXXX and an address to which this data is to be mailed via the Postal Service. 


When the freeze was initially executed, I completed the request online and was informed that removing freezes were easily done online and would be executed immediately or within an hour of request. Now, trying to temporarily lift the freeze required to complete a personal finance transaction, I am met with a lengthy process requiring the surrender of multiple sources of PII. 


As an additional step and final attempt, I executed the " forgot PIN ' XXXX even though I did possess it ). This required that I successfully answer a series of questions drawn from my Experian data record ( e.g. where various loans were held, towns and addresses lived at, etc ... ). This validation was successful as it returned on the screen the PIN that I used to initially establish the freeze. I was successfully validated within Experian 's online system! It still however will NOT allow me to lift the freeze online! 

Individuals possessing PINs and who can correctly provide the requested validating information on the Experian website should be able to immediately request and receive temporary lifts of security freezes. I should be able to enact personal finance transactions immediately when they are desired rather than having to complete a lengthy process on Experian 's schedule and providing substantial amounts of personally identifiable information ( PII ) when I have been authenticated on the website.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
credit companies are not complying with their own policies in a timely manner.

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 2021-03-16
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XX/XX/2021, I disputed an account with the credit bureau about Direct Management. The account I disputed was about an overdraft that happened at XXXX XXXX. I have disputed this account 2 or 3 times and every time, they say its verified. I told them that I wasn't aware of the overdraft that took place, but they refuse to do a full investigation for identity theft. The only thing they send is where I had opened a bank account up, but do not investigate the disputed 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 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/XXXX, my husband attempted to obtain his free annual credit report from the website, XXXX., prior to applying for a car loan at our local bank. After submitting all his personal credit information, at the end of the process, he was informed that the reporting agency " could not provide a credit report at this time '', although the BANK had no problem obtaining his credit report, which he was not allowed to view, but he did find out that it contained inaccurate information and lower credit score that resulted in requiring him to get a co-signer and pay higher interest on the car loan. Today, ( XX/XX/XXXX ) when I went online to apply for social security retirement benefits, my application was " rejected due to reporting from XXXX  '' so that SSA could not " verify '' my existence in order to process my application ; so I went online for MY free annual credit report, and, after supplying all my personal credit information, I was informed that the reporting agency " could not provide a credit report at this time. '' Because we have been in a bitter dispute with XXXX/XXXX/XXXX over their theft of our home on XX/XX/XXXX - which they reported to the credit reporting agencies as " REPOSESSED '' 5 years ago, when it was actually still IN DISPUTE in Federal Court, getting ready to go to Jury trial in a few months, & they have been informed that I've had to fire our attorney and prepare to represent ourselves Pro-Se in our dispute against them, I think they are using their financial power and control over the credit reporting agencies in order to harass and get us to throw in the towel and give up.

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 2021-03-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Received a letter from a debt collector claiming I owe a debt to them. Company Name : XXXX XXXX XXXX, XXXX. I disputed this debt with them and ask for Verification of this debt which they haven't provided me as of yet. I informed them that the information on the debt is inaccurate and that I'm not associated with this debt and to. Please Remove From my Credit Reporting. I then got in touch with the Original Creditor. Synchrony Bank in which they informed me in writing that the debt was SOLD to 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 2022-11-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Assosciates, LLC This is XXXX XXXX, I'm reporting Portfolio Recovery Assosciates several different laws broken against me in result to collect a debt. XXXX XXXX I sent a debt validation letter to Portfolio Recovery Assosciates them to validate a debt allegedly owed, I asked them to send me the following information to verify the alleged debt belongs to me. I asked them to send me the following information : 1. State the money they said I owed. 2. How did they come to determine that amount. 3. Provide copies of agreements bearing my signature stating that I agreed to pay what they said I owe. 4. Show proof that the statue of limitations have not expired. 5. Provide proof that they are licensed to collect in my state ; provide license number. 6. A valid, legible copy of the agreement stating the debt and interest charges. In result, Portfolio Recovery Assosciates DID NOT provide proof that the statue of limitations did not expire, Portfolio Recovery Assosciates NOT provide proof that they are licensed to collect in my state, Portfolio Recovery Assosciates NOT provide information about how they determined the alleged amount owed. Portfolio Recovery Assosciates broken SEVERAL LAWS AGAINST ME!!!! The following consumer laws have also been broken, 15USC 1692 ( J ), 15 USC 1692 ( B ) ( 2 ), and 15 USC 1692 ( E ) ( 10 ), 15USC 1681 section 604 ( A ) ( 2 ) 15USC 1681 ( C ) ( A ) ( 5 ) 15USC 1681 ( A ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: AZ
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 have called numerous times about unauthorized inquiries and to get the removed. I also found that my information was shared in the XXXX EQUIFAX DATA BREACH. The account referenced is as below. 

Equifax XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
As a long time customer with Discover since XX/XX/XXXX, my account was closed on XX/XX/XXXX. I was told the reason was due to multiple lost/stolen credit cards, but I haven't requested one in a long time. This just seems like a made up excuse to refuse payment on the rewards I have accumulated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: CITIBANK, N.A.
State: CA
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:
Today The Home Depot credit card was deleted on XXXX and they took away XXXX points from my credit report. This account was fraudulently opened XX/XX/23. I also seen on report that i lived in XXXX, Ca which is false. I also found out yesterday the Home Depot Card Fraudulently opened is also in XXXX, California. I believe at the address and only address in XXXX where i supposedly lived is where the thief lives and opened up The home depot card living at this address. Please investigate this address where i never lived. Thanks

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 2023-07-24
Company: Atlanticus Services Corporation
State: OH
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:
Back in XX/XX/2023 my aspire card was closed after I filed a complaint for fraudulent charges on my card. The people at the call center were rude consending and arrogant. At first they said I was responsible for the charges and they refused to help me. After complaining several times they removed the charges but also closed the account. I was always in good standing with them and never late on a payment. Their was an issue with language barrier when calling in getting them to listen me. Theirs no reason that their card was closed. They keep sending me correspondence saying that a new card is on the way but nothing has shown up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRUIST FINANCIAL CORPORATION
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During Covid, my husband and I elected to proceed with a payment deferral on our mortgage. XX/XX/XXXX, We received and signed paperwork to restart payments in XX/XX/XXXX. We resumed payments as we agreed in XX/XX/XXXX, today there is over {$10000.00} in a funds held account that Have not been applied to our mortgage despite my near weekly calls since XXXX. I received a multitude of responses such as the payment deferral is being processed or after three or four more payments the payment will be applied appropriately. We were assigned a home preservation specialist. I have sent him numerous emails with only one return phone call back. To date, over 90 days after my initial call and over five months after I returned the paperwork, no updates have been made to my 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 non-monetary relief
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: NC
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:
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. These are the collection accounts, 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