BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have apply for housing and have been denied on multiple occasions because information that was incorrect on my credit report. I have reach out the credit bureau on multiple occasions about the issue with the incorrect information and the affect of the credit report has cause my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00}. 
XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters. Ive already included this in my previous Complaint # & I am including it again. I'm looking forward that the following items will be deleted as soon as possible : XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  XXXX Balance : {$840.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; AXXXX XXXX XXXXXXXX XXXX : {$510.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXXXXXX Balance : {$20.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Hello, On XX/XX/ two student loans were added to my credit report. One amount of {$2900.00} and other amount of {$1700.00}. I have tried disputing multiple times with Credit Karma and XXXX but have had no luck. I took the steps to contact directly with the student loan company XXXX XXXXdept of education ) but can't get ahold of a customer representative to discuss the fraudulent activity. I am also unavailable to acquire these account numbers and I need that information to move forward so I am able to report the fraudulent accounts. I would like to move forward to remove these loans from my account as it has and will continue to effect my credit report as well as affecting my ability to open other accounts. 

Thank you so much for taking the time to read my complaint.

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 2022-11-29
Company: SYNCHRONY FINANCIAL
State: MS
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:
accounts have been open in my name that i did not apply for and inquiries to my credit have been made that i did not request

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 2020-08-04
Company: Peer Advisors, LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
i have had a hecm mortgage since XXXX, when the underwriters vetted the master policy of the XXXX XXXX XXXX and did not require a XXXX policy seperately from me. the Mortgage Agreement did not require a XXXX policy. CELINK took over the servicing of the account [ # XXXX ] in XXXX, and has since then harrassed me about a XXXX CONDOMINIUM policy. in XX/XX/XXXX CELINK force placed their own insurance on my account, and charged it {$150.00} XXXX, which i payed in XX/XX/XXXX to remove my account from DEfault status. CELINK has issued a XX/XX/XXXX letter stating they will again require the same XXXX XXXX XXXX XXXX policy effective XX/XX/XXXX and charge my account {$140.00}. I believe that CELINK HAS FRAUDULENTLY 'force placed ' requirement, which was not part of the original loan 's requirements. [ from XXXX, the origina [  underwriters never had any qualms with the MASTER POLICY OF THE XXXX XXXX XXXX XXXX XXXX. I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I PREFER TO COMMUNICATE BY PHONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: MORTGAGE UNLIMITED, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
First, I had a pre-approval letter from Mortgage Unlimited on XX/XX/2019 for a loan amount of {$540000.00} with my brother in law as a co-signer for a property located in XXXX. The purchase price for the house is {$610000.00}, and agree to make a downpayment of {$100000.00}. I had entered in a contract with the seller and made a first down payment of {$15000.00}, and pay general inspection for {$1400.00} and a tank sweep requested by my lawyer {$350.00}, and my lawyer fees are {$1500.00} plus any additional fees that will incurred until closing. Before all of that I told my lender that my uncle told me that for the FHH loan, the property will have to pass a self sufficiency test because it's 3 units. He told me this rule will not apply to my case and I didn't know what I was talking about. Then, after I submitted all required documents, on XX/XX/2019 I received an approval letter, and this before the appraisal that I have gave my card information long before for payment. The appraisal was finally ordered by them on XX/XX/XXXX and charged me {$650.00} for it, and made me have paid for home insurance on the property for the amount of {$1600.00} effective on XX/XX/XXXX ( the targeting closing date ). I have told my current landlord that I will move out some time after XX/XX/XXXX because of the lender assured me the loan is already approved. I also paid some money to someone who had a truck to help me moving out and ordered a refrigerator and some furnitures because I was sure that I was moving out soon. Then, on XX/XX/XXXX, the lender called me to tell me that I'm not going to have the loan because the property did not pass the self-sufficiency test, that is 75 % of the rental income need to be the monthly payment. Something that I previously told him I was worrying about. Now, my daughter and I are XXXX  because my landlord already have tenants for XX/XX/XXXX. I put my stuff in storage and currently living in my sister 's house. I even changed my address because I wanted my daughter to register with the neighborhood 's school as soon as school is opened. I don't understand how a lender with years of experience misrepresentation a loan like that make me spend my money, my time, and my energy. I signed a lot of documents including closure disclosure, submitting endless documents in a promptly matter and even locked my rate. I think it's really unfair and was a victim of fraud and being lied to. I am a single mother who was trying to do what best for my daughter and now she doesn't even have a home and a school to go to, and losing about {$20000.00} because I was misleading by this lender and this mortgage company. Please Help!!!

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a billing today from portfolio recovery assocates LLC that indicates a bill for {$470.00} is past due. I have never applied for a credit card and the name that portfolio told me was XXXX XXXX that took out the card in my name and with my information. I do not owe this debt and I would also appreciate knowing how I can report credit card fraud on this individual.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Chase Pending transaction using XXXX. Wanting to cancel payment fraudulent services.. never got products should be able to cancel.. it was late on family trip and couldnt get hold of them until later that day.. if pending should be able to cancel transaction.. never had issue Should be able to dispute it .. very disappointed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

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 2022-07-26
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
Payment History Youve made 98 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 60-89 Days Late Worst Payment Status 60-89 Days Late Account Details Account status Closed Type Auto Loan Responsibility Joint Remarks ClosedYouve made 98 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX I was never late, I skipped payments with KIA/Hyundai approval . They reported XX/XX/XXXX and XX/XX/XXXX after I paid off my car in XX/XX/XXXX KIA FINANCE AMERICA XXXX XXXX XXXX XXXX XXXX, CA 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 2021-03-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am disputing and challenging the de bt XXXX XXXX XXXX says I owe.

The info being reported is incorrect and its inaccurate.I would like them to verify the correct date the credit was issued.When was the account established.I dont remember this account.I am requesting a copy of my original credit application.I want a copy of every statement for every month the account was open.I dont know if this is my account.Please produce evidence that the account is mines.Again I want a copy of the original credit application and I want a copy of every statement for the life of the account.If you cant send me statements for the life of the account.It is grave violation of the FCRA.Its a violation because you refuse to produce documentation to really verifies the debt is mines.If the account isnt property verified through statements.Then remove it from all 3 credit bureaus immediately.If its not removed its a clear violation of FCRA.I am giving you 75 days to produce statements.After 75 days.Again I am giving you 75 days from reciept of this complaint.This debt being reported to my credit report hasnt been properly I will be filing a federal lawsuit.If this incorrect and inaccurate infomation is not removed from credit.I will also be filing a lawsuit aganist XXXX XXXX XXXX  and the credit bureaus.If they dont produce statements for the time the account was open.I dont want the itemized detailed statement.I want all of the statement.If I have to file a lawsuit.Due to the FCRA violation. I will get a federal subpeona to get all statements and the original credit application.I want every document and statement for the history of the account.You must prove and produced evidence that this account is mine Just to let you know.I am a XXXX  student.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2020-01-29
Company: National Recovery Service, 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:
Hello, I have reach out to the US DEPARTMENT OF EDUCATION AND SENT THEM AN AFFIDAVIT OF THEFT they disregard it and believe they are still above the law and sent it to collections to National Recovery Inc. Due to this I have been rejected for homes, loans etc. They not only went against FDCPA but also against CFPB. They need to remove this off my credit report right away.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2023 I deposited a check via ATM at Wells Fargo. The check was written on Wells Fargo bank. I deposited via ATM because its much easier and there isnt enough staff inside the bank so wait time is long. Wells Fargo placed a hold on the entire check which is very inconvenient and unacceptable. How could they place a hold on a check written on their bank when I just cashed a check from my XXXX insurance company and no hold was placed. I would had been satisfied if some of the funds were released today and the remaining the next day. I have XXXX in my checking account so these funds are needed in order to feed my family

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Diverse Funding Associates LLC
State: GA
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:
XXXX is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The XXXXXXXX XXXX XXXX XXXX account reporting on my credit report as Closed is incorrect, inaccurate, and false. Additionally, the impact of the Closed account as a Charge-off and Balance is reporting wrong credit utilization. The XXXXXXXX XXXX  XXXX XXXX account reporting on my credit report as Charge-off is further incorrect, inaccurate, and false. 

XXXX responded " Trade : XXXXXXXX XXXX XXXX  XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY. '' I did not sign any such credit contract agreement with XXXX XXXX XXXXXXXX XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account witXXXX XXXX XXXX XXXXXXXX XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report. 

XXXXXXXX XXXX  XXXX XXXX has no right nor authority to transfer or sell this account to DNF ASSOCIATES LLC, to enforce payment from me, or to collect on a debt owed to XXXXXXXX XXXX  XXXX XXXX. DNF ASSOCIATES LLC fails to validate how debt is owed by me to XXXXXXXX XXXX XXXXXXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. DNF ASSOCIATES LLC has no right to collect any debt for this account from XXXXXXXX XXXX  XXXX XXXX that was transferred or sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: BAM Financial, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 in XXXX A chargeback came thru my account for {$1000.00}. 
My funds in my bank got crossed on deposit. 
However before the chargeback occurred I sold enough assets in my account to more than cover the amount. 
After numerous times of trying to withdraw and deposit. 
I contacted them thru the automatic email with no response at least 5 vfc to 10 times with one automated response weeks later.Finally I looked for other avenues. 
I went online to numerous social media sites to try and contact someone to release my assets. 
With still no response then I finally saw someone suggested trying to deposit to cover the chargeback so I tried and it took another {$1000.00} from my bank. 
I thought maybe since they didn't use my liquid funds that were already in. 
A new deposit would fix the problem. 
It didn't.so here I sit waiting to be able to access my money.

Company response to consumer: Untimely response