BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On the dates listed below i received hard inquiries on my Credit profile that i do not recognize and are fraudulent. I have a closed XXXX XXXX account that needs to be removed from my credit profile because it violates my right to privacy. 

XX/XX/2022 XXXX, XX/XX/202XXXX 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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR XXXX XXXX SC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy.

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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 t he information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX XXXX Not my account it was opened fraudulent under my name never received card shouldn't be on my credit report call company to delete it an sent in proof but it'd still on my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from 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 ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  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 2023-10-20
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I authorized payment to XXXX on XX/XX/XXXX for a total of {$11.00}. By the following day there was two charges from XXXX equaling {$220.00}. I immediately contacted my credit union. They put in a fraud claim and gave a temporary credit for {$220.00} on the same day and said that those charges would be investigated. The claim was denied for that. I also called XXXX and notified them on the same day. According to XXXX, the only charge they made is the one that I authorized. On XX/XX/XXXX, XXXX had charged over {$1600.00}. Totally depleting my bank account. Also, there was a charge of charge of {$11.00} from XXXX XXXX XXXX. I called that number. and It is some kind of electric company that I have never heard of. I called my credit union back. They put in a claim for that along with the other amounts from XXXX. I had a total of three claims. All three got denied. The credit that they gave me they are taking it back. All I got for the explanation was a generic letter. XXXX thinks that they were spoofed or someone used my debit card and ordered things from XXXX. My credit union is refusing to give me any refunds. They have denied all claims. That money got stolen from me. My card was compromised. I have to pay bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
PLEASE DELETE THE ACCOUNTS ATTATCH TO THE DOCUMENTS ABOVE AND I'LL REALLY APPRECIETED THE ASAP RESPONSE TO MY REUEST AND IT'S NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: GA
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 on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from 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 ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Account information incorrect

Complaint:
I do not have a oral agreement nor a contract with XXXX XXXX, this account is a charge off, the orginal creditor should no longer be reporting a balance on my credit report. Both the original creditor XXXX XXXX and debt collector XXXX XXXX are showing a balance and that is considered inaccurate reporting and a violation of my consumer rights. I have disputed this accounts multiple times with both Experian and XXXX due to many inaccuracies and all they did was update the violations and claimed that this account was verified without proof.

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 2019-03-18
Company: Rocket Mortgage, LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX ; we sent Quicken Loans a check in the amount of {$120.00} to be put into our ESCROW account in anticipation of the ever increasing premiums for hazard insurance which would come due again in XXXX of XXXX. In XX/XX/XXXX, sometime ; a QL rep called to tell us that we had too much money in escrow and did we want her to send us a check for the excess. We told her no that we wanted the money to stay in the escrow account until the annual analysis done in XX/XX/XXXX. She told us that the money would then stay in the account. Along in early XX/XX/XXXX ; we get a call from a QL rep telling us that they were sending us a check for excess funds in our escrow account as determined by the recent escrow analysis just completed. When we told her that we did not want the funds, as we wanted them to be in the escrow account for the XX/XX/XXXX hazard insurance premium payment just in case the increase was way above a reasonably anticipated increase just like we saw in the previous year. Since we are on social security, we have to make budgetary adjustments in more modest increments so we wanted things covered in advance. 
Too late, the check was on its way ; but, we could send it back ( after cashing and depositing it in our checking account then taking a chance that QL would loose it on their end like they did the year prior ). Or, worse yet ; she told us that once we deposited the check we could call them and they would  electronically take the funds out of our account ( yeh, right ... .no visibility on our end as to where the money goes or how much ( fat finger mistakes ) until we get our bank 's statement ... .no thank you. So, we just sent the paperwork containing the unscheduled analysis and attached check back to QL. Now, through one XXXX XXXX, Client Relations Team Leader, Quicken Loans Executive Office, Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX ; they come clean that some mope decided to reschedule our annual once a year escrow analysis from XXXX to XXXX ; but, since that would have made thirteen months between analyses, they jammed this one in XXXX which of course showed no need for additional funds since the hazard insurance premium had not been billed as yet. But, we did not know what the heck was going on from what we last knew.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: AUSSRQ Holdings, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I settled an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, on XX/XX/2023. The company filed a Satisfaction of Judgment with XXXX XXXX NY Supreme Court on XX/XX/XXXX, XXXX and every 2 weeks Oliphant reports an increase in balance to all 3 credit bureaus. On XX/XX/2023 I Disputed the information with XXXX and provided the Index number from the Satisfaction of Judgement filed with the court. The disputed case with XXXX was reported as resolved this morning stating that Oliphant has reported the information as accurate, which is Absolutely False.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I rang Equifax to query why my credit score has been consistently negative even though I do not have any negative reports on my Equifax report. I was not given an explanation of why Equifax is consistently negative. I am now beginning to think that Equifax is negatively profiling me. No one at Equifax could explain to me why my credit score XXXX, yet I do not have a negative report on file. Equifax failed to explain how it reached to this poor credit score. It should be noted that Equifax is the only credit scoring company that has been consistently negative. I am now convinced that they are relying on other information that I am not aware off. How else would Equifax explain its negative report?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
About one week ago my wife and I went to the local jewelry store in XXXX, IL called XXXX XXXX to see about purchasing an item. We were unsure if we could afford it, and the jeweler asked if we would like to check our credit to see if we could take out a loan with Wells Fargo that would cover the cost of the item. The jeweler said that it would not hurt our credit and that we would not be obligated to use credit after checking it. After giving the jeweler the information, we were told we were eligible for enough of a loan ( {$10000.00} ) to cover the item. We could not decide if we wanted the item at that time and told the jeweler so. We later discussed and decided to not purchase the item. Now, we have received a credit card in the mail of Wells Fargo XXXX XXXX with ( additionally ) the merchant name on the card of XXXX XXXX with a credit limit of {$10000.00}. We did not authorize or want a credit card, and this was opened against our will.

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 2021-04-06
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
This complaint is on behalf of my mom who has agreed that i can speak on her behalf. Champion Mortgage Company brought her loan. She had paid the taxes on her home for 30 years including the years she had the reverse mortgage. Her loan number is XXXX. She lives at XXXX XXXX  XXXX XXXX and is XXXX  years of age. Her name is XXXX XXXX, i am her daughter, XXXX XXXX. She continues to get calls saying she has to retrieve money from XXXX XXXX that they paid on the taxes that she had already paid in the amount of {$730.00}. She has the receipt of payment from her bank statements that the money was accepted. We don't feel she should have to retrieve. We have spoken with several individuals with on different dates who say something different. We need to resolve this issue and my mom can continue to live in peace in her home and pay her taxes on her own and they need to own up the original agreement on this loan. Their address is XXXX is XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. 

XXXX XXXX - Email : XXXX - Phone : XXXX XXXX # XXXX - XXXX XXXX  XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Lenders are not honoring XXXX  modifications granted by the federal government. 

My loan has been bought and sold several times and the lenders are not aware that the loan was modified by XXXX XXXX while with XXXX XXXX XXXX. Since my Covid modification was offered and accepted, each time the lender will sell the loan to another and not include and of my modification paperwork. It appears as tho they are defrauding each other. 

Each time a new lender purchases my loan, they refuse to allow me to make payment. As reluctant as they are, I have still managed to get them to take payment each time and my loan is current. However, they keep processing my payments and then say that my payments have not been made. This has kept my house and good name on the foreclosure list now for an entire year. This has soiled my good name as a real estate investor in my city, and it continues to cause me distress. 

This is predatory lending. They are not honoring my Covid modification and I am on time. Every payment has been made up to this point. Each lender keeps selling the loan to another without including this up to date information or my modification. 

The lenders that are doing this are ; XXXX XXXX XXXX XXXX XXXX XXXX, and now Shell Point a division of newrez. 

Ive included a copy of my Modification granted by XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed this company attempting to collect a debt after seeing my credit report. I do not recall ever getting a letter informing me of the debt so I sent a request for them to validate the data and amount for I had medical insurance and do not believe an outstanding debt was incurred. I have sent 2 requests, both by certified mail. I have yet to get anything from them validating this debt so they have ignored me twice yet continue to report such as I have just checked today. 

I don't know how they are able to just ignore me and violate the law as they have done and are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Judgment for XXXX per court order was satisfied in XXXX of 2018. Ive been harassed ever since then by the collection company and the attorney. I have not received my satisfaction of judgment and this is still on my credit report preventing me from purchasing my new home. Ive had to block the collection agencys number from calling my cell. He was also calling my work phone harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This has all started years ago when I disputed a non authorized hard inquiry with XXXX, I already Had a XXXX card so I disputed that hard inquiry resulting of them deleting 12 years of account payments and history never putting it back on # 2 Since XX/XX/XXXX all 3 credit bureaus had reported a on authorized inquiry from XXXX XXXX another account that I have under my name and have had for over 3 years so my hard inquiry had already dropped off I immediately disputed this new one and there goes another history of payments for 3 years And deletion of an account my score was XXXX and after they deleted these 2 Accounts it dropped down to the low 6 hundreds I have absolutely no credit history after I worked extremely hard to gain it back after my identity with stone number 3 XXXX XXXX card As of todayXX/XX/XXXX I called them to fix the credit history reporting because they were only reporting 10 months and I've had it for 2 years there goes another account deletion I have had to submit several disputes to all 3 credit beaurous for misleading my credit files. Whenever doing so they make them worse. XXXX has now deleted 3 major credit cards due to me disputing 2 non authorized Inquiries, And a payment history repair because they were only reporting 10 months of payments when I have had the card 2 years in which resulted in them just deleting the entire account once again.

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