BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
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 my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; RESIDENT VERIFY XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US POSTAL XXXX  XX/XX/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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see documents Attached

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 2023-11-13
Company: Experian Information Solutions 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am looking to buy a home as I proceeded to do that I realized that my credit report contained fraudulent information. XXXX XXXX XXXX XXXX date XXXX. 

Please remove XXXX XXXXXXXX inquiries as the account has already been removed. 

Please update XXXX account that was open on XXXX XXXX to XXXX percent payment history. This account has never had a late payment.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I purchased a home it was set to sale on a foreclosure date. 
My home sold before it foreclosured. 
The mortgage company XXXX reports it as a foreclosure/repossession. 
This is not right, I have tried on several telephone calls to have it removed. 
They stated they can report it foreclosured if it went into foreclosure. 
Dumb it was not foreclosure.

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 2023-07-19
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 2023-05-06
Company: American Credit Acceptance, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We have had our job slow down down on us in XX/XX/XXXX discussed this. With them told them we were out work the week before XXXX and XXXX week.When we went back theh harrassed.us in XXXX every day XXXX to 3 times aday. In XXXX first time every we spoke to.a floor manager who helped us and we made a payment and made XXXX in XXXX but we struggled to make those payments by XXXX the business slowed down and this all had to do with the economy and this is our business. So we spoke to them in XXXX and we told them the same are work was slow we have struggled yes we have payed some bills but this car payment is {$630.00} for a XXXX XXXX encore 5 year contract and were just at XXXX XXXX.we stated with {$40000.00} and the car was only XXXX a d some change and the percentage is high but anyway they just said I'm XXXX please make your payment or we haven't heard from then they have not called us since XXXX! I called Friday XX/XX/XXXX and asked the young girl about a hardship program and that we had not heard from them at all she said a d I qoute ( we don't have your number ) but if I can pay {$280.00} she could see what she could do. I just told her we were broke and need help. We have not every had a deffered payment through this company. THE LAWSUIT AGAINST THEM IS CORRECT THEY ARE TO EXPENSIVE, PAYMENTS TO HIGH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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 noticed the accounts below on my Credit report and I did not Authorize any of them 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 2023-07-17
Company: USCB Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IAM NEW IN XXXX XXXX AS A XXXX  FROM XXXX, I TRY TO BUY CAR AND CHECK XXXX XXXX..I FIND OUT XXXX COLLECTIONS ACCOUNT.ONE IS FOR XXXX DOLLAR AND ANOTHER IS FOR XXXX XXXXI DON, T KNOW WHY IT SHOW, S IN MY CREDIT REPORT WHICH I NEVER GET IT OR TRY TO PURCHASE IT.I WORK AT WAREHOUSE FOR XXXX HOURS, COME HOME AND GO BACK TO WORK AGAIN.THAT, S ALL I DO SINCE I ADMITTED IN XXXX XXXX AND HALF YEARS AGO IN XXXX XXXXCOLLECTION SAY XXXX XXXX XXXX XXXX FOR XXXX $ AND SPECTURM FOR XXXX $ .I REALLY NEED HELP ON THIS PLEASE.I DON, T KNOW WHERE TO GO, WHAT TO DO.IF ANYTHING, S NEEDED PLZ CONTACT ME AT XXXX, I HAVE EVERY PROOF PLZ.HELP THIS 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 2023-09-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I had a house fire. my mortgage company held XXXX of my insurance money in escrow for their lost draft dept. to disburse me funds as my house get rebuilt. they issued a check in XXXX. I never got it. I called weekly and complained I never got it. they sent me check, same amount in XXXX for the 2nd part of my money they was holding. I got the 2nd check 3 weeks after they wrote it. & I cashed that into my bank. I still kept calling them regarding first XXXX check I still haven't got. they lied to me 3 different times stating another check was reissued & keep looking for it. when couple weeks go by I call again. was told same thing on reissue me the check. last XXXX  XXXX they tell me it has bee cashed & email me copy. the check is paid to order of XXXX peoples names. not just me on the check. the back of this check was printed out my name only, so was t even endorsed correctly to begin with. the cashed date was XXXX, which is 3 business days after it was wrote. their process states they have 3 to 5 business days to cut the check. then they have 5 to 7 business days for it to go thru their mail room & actually get sent out. then 14 business days to get to my mailbox. the check that someone forged & printed my name on back was cashed within XXXX business days so that looks to me like inside job. and probably more than XXXX employee to pull it off. now they told me it is cashed & sent to investigate process. I don't know if they really filed report of fraud or not. I don't know if my information on my mortgage was seen or not. they will not give me the investigate dept. phone number or a report filed case # on it. they will not tell me who cashed the check, what bank cashed it. they tell me nothing. the main head person they claim is XXXX, & she will never take calls. today I was told " she suggests you call insurance becuase the check is cashed & we won't issue you another one '' ... but XXXX herself won't talk to me at all. I called my local branch & they have been searching for couple hours now & have found no records of this check to even see what bank cashed it. XXXX was taken out of escrow account & I am not getting any information at all. I am currently looking for a.lawyer but I don't know where their loss draft dept is located and they won't tell me simple things like that. I don't even know I'd it is legit department... I need help getting my XXXX so I can pay off contractors who rebuilt me home. it is so sad corrupt emoyees take advantage of people who literally just lost everything. & I mean everything! & I never got my own insurance money. the bank who cashed it should be reliable to get me my money immediately. they cashed it endorsed wrong & everything. XXXX bank. they wrote the check & I'm pretty sure they cashed it too. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-11-24
Company: KEYCORP
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Sir on XX/XX/XXXX  my daughter met with an accident due to which I was facing a lot of difficulties and due to this I could not access these documents. 
Now, from what I have seen, the last way was to seek guidance from you. I hope you will guide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Subject : Complaint Regarding Credit Karma 's Failure to Close My General Account Dear XXXX Customer Service, I hope this message finds you well. I am writing to express my deep dissatisfaction and frustration with the recent experience I had with Credit Karma regarding the closure of my general account. Despite multiple attempts and requests, Credit Karma has been unresponsive and unwilling to close my account, which has led me to reach out to you for assistance. 

To provide some context, I have been a loyal Credit Karma user for several years, relying on their services for monitoring my credit score and managing my financial information. However, due to personal reasons and a change in financial strategy, I decided it was in my best interest to close my general account and discontinue using their services. 

I followed the prescribed process provided by Credit Karma to close my account, carefully adhering to their guidelines. I submitted multiple closure requests through their website, ensuring that I provided all the necessary information they requested. However, to my surprise and disappointment, my requests were met with silence and disregard. 

Despite my repeated attempts to contact their customer support, both through email and their designated helpline, I have received no response or assistance. The lack of communication and support from Credit Karma has left me feeling ignored and helpless, as I am unable to proceed with the closure of my general account. 

I am deeply concerned about the security of my personal and financial information, as the account closure process should be a straightforward and prompt procedure. Credit Karma 's negligence in addressing my request raises serious questions about their commitment to customer service and data protection. 

As a valued XXXX customer, I kindly request your intervention in resolving this matter. I urge you to reach out to Credit Karma on my behalf and emphasize the importance of their prompt response and action in closing my general account. Additionally, please ensure that appropriate measures are taken to safeguard my personal information throughout this process. 

I trust that XXXX, as a reputable and customer-centric organization, will take this matter seriously and address it with the utmost urgency. I appreciate your understanding and assistance in resolving this issue and ensuring a satisfactory resolution. 

Thank you for your attention to this matter. I look forward to hearing from you soon and having my general account closed promptly. 

Yours sincerely, [ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have bee a banking customer with Bank of America for XXXX years and during the course of those years there have been issues that I have disputed about overdraft fees and/or unauthorized transactions. In the more recent years their see became better and most issues were handled quickly or resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an inquiries passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2023-08-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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:
I stayed around 10 days in a hotel close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least 5 of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/2023, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOYOTA FINANCIAL SERVICES 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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$4100.00}, XXXX XXXX XXXX XXXX Balance : {$7100.00}, XXXX  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 2023-07-21
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 submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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