BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: IN
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:
My personal information was stolen during the Equifax data breach resulting in accounts being opened in my name destroying my credit and putting me in debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
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:
I am m submitting this CFPB complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which 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 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 XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : 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 an 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 2020-04-02
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:
I've submitted proper documents to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. They are not responding. This is impacting my score and life.

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 2023-04-21
Company: SN SERVICING CORPORATION
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:
I was a co-signer on a business loan where this former partner filed personal bankruptcy and XXXX XXXX tried to hold me responsible for her loan where at closing they shared they would never hold me personally accountable and only our company. Upon reneging on their word at XXXX XXXX I tried to negotiate a XX/XX/XXXX settlement which was overly generous on my behalf based on their lie, of which they laughed at me. I proceeded them to protect my assets and position which ended with XXXX XXXX getting 100 % of nothing with a fully XXXX bankruptcy XXXX. I was given possession of a residential property for me to close a loan XX/XX/XXXX where we discovered the incompetents at XXXX XXXX had illegally and incompetently re-filed a lien on said property XX/XX/XXXX. My fully XXXX bankruptcy from XX/XX/XXXX had to be reopened to allow the judge in XXXX XXXX, OH to fine XXXX XXXX  and have them remove this illegal rifling. XXXX XXXX Mortgage is who closed my loan XX/XX/XXXX and it was purchased XX/XX/XXXX by XXXX XXXX. XXXX XXXX is not reporting my loan to the three CRA 's because they incorrectly read the legal documents explained above and consider me a new bankruptcy which is obviously inaccurate. Their fear if that they will get fine $ XXXX if they report my loan to the three CRA 's which again they should be more fearful of coyotes and wolves flying and attacking all humans which is obviously too an unfounded inaccurate fear. My counsel XXXX XXXX has been told to me by XXXX Servicing that their counsel XXXX XXXX would contact him to allow the legal experts to clear this simple atter yet he won't speak to my counsel XXXX XXXX. The filings are found in XXXX XXXX, OH under my name and information. I simply want my home loan to be reported to drive my credit scores accordingly. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I got an email from my bank XX/XX/11 advising my score has changed from excellent to good. 
I looked at my credit report and I can find nothing incorrect. I called TransUnion to find out what is going on. They said they can not help me and that I need to call a credit couseling service. I called the number they gave XXXX. We figured out that a credit card that had a $ XXXX limit that I have not used in XXXX closed. It dropped my score XXXX points ( from excellent to good ). I have ALWAYS had excellent credit. They told me to call TransUnion back and ask them about why the score would drop that much as there were no changes on my always on time payments for all my accounts and my usage is always under 30 %. I called TransUnion back they said there is nothing they can do. They said all of this is automated. I said exactly. I just want to get this escallated so someone can review the parameters that give the score. I said everything I have is in excellent status how can you give a score of 'good '. They repeated everything is automated and then asked 'what am I going to do to fix my credit. I said I can't fix anything as everything is in excellent status except the score. I just want someone up the chain to review the formulation to make sure there is not an error or a hack that is affecting the score. Please see the attached document that shows XXXX different companies that use TransUnion information saying everything is perfect, yet the score is 'good '. I also talked to my bank ( XXXX ) and they said they have gotten mulitple calls regarding this type of scenario since Friday ( XXXX ). We are looking at purchasing a condo for my mom. This score directly affects our interest rate and need this reviewed as soon as possible. How do you dig out from under a huge company that controls your life with this score and get anyone to look at this?

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 2023-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX All the above mentioned accounts have violated my rights. 

15 U.S.C 1681 602 ( a ) ( 4 ) states - I have the right to privacy.

15 U.S.C 1681b 604 ( a ) ( 2 ) states - A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c 605 ( a ) ( 5 ) states- A 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 ) states - 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 2021-05-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all.

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 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
this account belong to someone else it was removed from my credit before and it appeared back on it please have this account removed from my credit and not put back on it because it's causing me a great deal of stress. 

XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit - Past Due Amount {$1000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual Original Creditor XXXX XXXX. 
Company Sold-to - Original Amount {$1000.00}

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 2023-11-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Oh my goodness where to start. My husband and I booked a hotel for XXXX, XXXX as part of our honeymoon from XX/XX/XXXX to XX/XX/2023. The hotel is called XXXX XXXX. We booked the hotel on XX/XX/2023 it was for 2 nights, 1 room, and it was going to be my husband, myself, my best friend, and my best friends boyfriend who were going to stay at in the same room. The total came out to {$750.00}, however, we were not charged the amount until we checked into our hotel on XX/XX/XXXX. We got to the hotel at approximately XXXX XXXX. The four of us were all exhausted, so we just checked in handed the front desk my American Express platinum card, and our passports, and then went to our room. We put our bags down on the floor then the four of us decided to take a nap, about 30 minutes into our nap my husband wakes up and says ow something had bit him on the arm, I go over to look at his arm and it looks like a bug had bit him. We immediately started searching the beds in the room and sure enough we saw one bed  bug  under the mattress. We also saw dried up blood spots all on the mattress. I took a picture of my husbands arm and of the dried up blood spots. We started looking for other hotels and luckily found an XXXX  not far away. We got our bags and as we were leaving the gentleman who checked us in asked us where are we going? My husband told him that he got bit by a bed bug, but the gentleman assured him it was just a mosquito bite. The gentleman asked my husband to show him where he found the bed bug and the dried up blood spots, the gentleman went to the room but literally just swiped at the bed sheet and did not do a thorough check. The gentleman ended up charging us the full amount even though we were at the hotel for a total of less than an hour. We ended up filing a dispute with American Express and explained the whole situation to them and provided the pictures of my husbands bed bug bite on his arm, and of the dried up blood spots on the mattress. Initially Amex sided with XXXX XXXX until we provided all the information. Then Amex sided with us. But then on XX/XX/XXXX  I see the charge of {$750.00} show back on my Amex Platinum statement. On XX/XX/XXXX  I call Amex customer support saying why was the charge posted again and they said because XXXX XXXX did not agree with the dispute. I asked to speak with a manager and they said for me to call the Amex Travel Insurance support, since apparently Amex Customer Support did not want to deal with my dispute anymore, they said there was nothing they could do anymore and I would have to pay the charge, pretty much telling me to XXXX off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion responded to consumer 's most recent dispute regarding inaccuracies reporting on consumer report. Transunion must report accurate information according to the Fair Credit Reporting Act. The inquiries, adverse accounts, and fraudulent collections accounts need to be removed immediately. Transunion responded that the information was verified and the FTC Fraud report was not valid. Consumer is now requesting that Transunion provide documentation used to determine inquiries were authorized by the consumer. Transunion has 10 days to provide consumer with the name of individual that verified the information, documentation that was used in the verification process, signed application containing wet signature and please note consumer is NOT ASKING FOR E-Oscar report. Consumer is requesting a copy of the Consumer File, Not Report. Failure to provide the mentioned documentation Transunion must delete the information/accounts immediately. Transunion is liable under the Security Exchange Commission to follow certain rules due to the fact that they are securitizing the data on the credit report. If this credit reporting issue is not resolved in good faith and promptly I will be filing an IRS form XXXX omb to audit consumers account. Transunion commission file # XXXX TRANSUNION INTERMEDIATE HOLDINGS, INC. ( f/k/a TRANSUNION XXXX XXXX, a XXXX XXXXXXXX XXXX XXXX XXXX, TRANS UNION LLC XXXX XXXX XXXX XXXX XXXX XXXX ( the Borrower ), the Guarantors, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as joint lead arrangers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX as administrative agent and collateral agent.

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 2019-06-17
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:
The following accounts does not belong to me and I'm respectfully requesting that these unauthorized accounts be removed. I've requested a Method of Verification for this investigation, I've requested physical documentation all to no prevail. The credit bureaus can not relay on electronic verification, nor shall they ignore a consumer inwhom identity has been compromised. And before these credit reporting agencies report accounts to a file they must be thoroughly and physical verified. I'm asking that these accounts be blocked and removed immediately. 

1 ) XXXX XXXX {$470.00} 2 ) XXXX/ XXXX 3 ) XXXX XXXX {$610.00} 4 ) XXXX XXXX {$10000.00} 5 ) Dept of ED/XXXX   {$4500.00} 6 ) Dept of ED/XXXX {$3500.00} 7 ) Dept of ED/XXXX {$2200.00} 8 ) Dept of ED/XXXX  {$2100.00} 9 ) Dept of ED/XXXX {$2000.00} 10 ) Dept of ED/XXXX {$1800.00} 11 ) Dept of ED/XXXX {$1700.00} 12 ) Dept of ED/XXXX {$1300.00} 13 ) Dept of ED/XXXX  {$1000.00} 14 ) Dept of ED/XXXX {$1000.00}

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 2022-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
shortly after i had XXXX of my roommates help me file an edd claim i went to jail for a month and when i was released i was expecting to get my dedit card from XXXX around the same time .after a couple of days waiting for my card i became concerned and called b of a bank to find out why i hadnt got it yet. they informed me that the card had been issued, mailed to my address already activated and XXXX XXXX dollars withdrawn in XXXX lump sum. i immediately filed a claim to get my money back that was stolen off my card i submitted a police report, proof of my incarceration which is all they required me to do. that was XXXXXXXX XXXX XXXX and to date i have not gotten that XXXX XXXX restored. i have done everything humanly possible to get b of a to jonor my claim and they keep telling me its pending..

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 2023-04-21
Company: EQUIFAX, INC.
State: NM
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:
A letter was sent to me on XXXX XXXX XXXX from XXXX XXXX XXXX asking me for the rent when I called them back to tell them about me or my son going to pay the rent they said it was ok. My son went to pay and they didnt accept the money and they said everything went to the trash The next day after calling them the maintenance man from this complex get into the apartment while we were out and throw away all our stuff, we didnt got a 30 day notice according with the law and the manager start threatening us to take us to court when I said it was illegal what they did, then she decided to send us to report into the credit agency, and she reported more than {$5000.00} by XXXX, that was completely illegal and not fair. I attached a copy of the two letters, then I tried to dispute this account with XXXX and Equifax and they did not fixed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: FISERV INC.
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank ( XXXX XXXX ) uses a 3rd party company, Fiserv for Bill Payment Services. We requested a stop payment thought FiServ on a duplicate payment being sent to our Cell Phone Provider ( XXXX ). XXXX XXXX  communicated to us that the stop payment had been processed. Many days later we learned that a freeze had been placed on our bill payment service and none of our bills had gone out for payment. In a panic we called XXXX XXXX, who directed us back to FiServ. FiServ told us that they wouldnt unfreeze our Bill Payment until we paid them {$210.00}, which is the amount they said they sent to XXXX on our behalf even though we requested a stop payment AND the stop payment had been confirmed by XXXX XXXX. We informed FiServ that XXXX hadn't posted a duplicate payment from us. Additionally, XXXX informed us that they never received a duplicate payment for us. 

We continue to request a refund from FiServ in the amount of {$260.00}, but they are not willing to do so and keep telling us to call XXXX. XXXX says they don't know what FiServ is talking about and has never received communication ( XXXX or phone call ) OR a second payment from XXXX XXXX. 

This is clearly an issue of a bad process on the part of XXXX XXXX  and FiServ. Specifically, there are no verbal disclosures that are covered on the call informing consumer that there may be a freeze placed on bill payment services. Additionally, they don't offer a process in place for the consumer to recover funds in a reasonable manner. I'm assuming that this failure in process has impacted more consumers than just me. It's as if XXXX XXXX  is allowing FiServ to hold customer bill payments hostage until they pay for a stop payment that's in process .... REGARDLESS OF IT WAS RECEIVED, PROCESSED AND POSTED BY THE COMPANY THAT WAS TO BE PAID. 

I'm currently 8 hours into this process and still have no answers. I'm furious and disappointed in both companies. I'm requesting the CFPB investigate this process failure by XXXX XXXX  AND FiServ ( Especially FiServ ) .I can only image how many consumers have been impacted by this issues and suffered overdrafts, late payment fees, negative credit bureau impactsetc. Additionally, I'm requesting that the CFPB levy monetary fines against FiServ specifically on behalf of consumers for this process failure. 
Ill also be sending this summary to a number of attorneys for a class action lawsuit against FiServ.

Company response to consumer: Closed with explanation