BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
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: Account information incorrect

Complaint:
There is an item from XXXX XXXX XXXX XXXX that is reporting on credit file, that is unknown to me and I do not owe {$870.00} this is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: LAND HOME FINANCIAL SERVICES
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a grant from XXXX in the amount of {$53000.00} in May that was sent directly to Land Home Financial Services. HUD provided me a breakdown of the funds as : Primary delinquency : {$45000.00} Primary future payments : {$7400.00} Total released : {$53000.00} Upon speaking with Land Home Financial Services in XX/XX/2023 I was told HUD only sent {$45000.00} to them and I was behind XXXX and XXXX payments. 

I spoke with Land Home Financial Services in May and they informed me HUD sent {$53000.00} and they were applying payments. I would receive a breakdown of how the funds were applied and when my payments would be due. I never received the breakdown or payment due information. I called Land Home in XX/XX/2023 for the breakdown information and was told Land Home no longer service my loan, I would receive that information from my new loan provider. I never received any information from anyone. I received statements in XX/XX/2023 from Lamd Home stating I owe {$5000.00} for XXXX and XXXX payments. My homeowners insurance is paid by my mortgage company. Land Home has refused to pay my homeowners insurance for {$2300.00}. The policy is set to cancel on XX/XX/XXXX for nonpayment. 

Land Home has damaged my credit reporting incorrect information stating I'm behind in payments. That has caused damaged to me, I have been rejected Financial Services, credit cards etc as a result. I have withdrawn from my family and cry most of the time. Land Home doesn't respect CFPB they tell them one thing and do not do what they say they will do. I'm a senior lady and Land Home is determined to take my house and there's nothing that can be done. They called me a couple weeks ago at XXXX XXXX The harassment never stops.

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 2023-04-17
Company: EQUIFAX, INC.
State: CA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2023-06-17
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 XXXX 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX 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 2021-08-10
Company: EQUIFAX, 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:
Dear complain department, I do not recognize inquiries that recently appeared in my credit report. I would l inform you that I am not connected with any of these inquiries. Probably there were filed by mistake or error. I assume it could be identity theft. but for sure these enquiries are not mine. Please delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-01-18
Company: Experian Information Solutions Inc.
State: AR
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:
Do to the epidemic I have been effected and unable to work since XX/XX/XXXX to now XX/XX/XXXX. @ at one point XXXX, On XX/XX/XXXX I paid my XX/XX/XXXX payment on XX/XX/XXXX and included my {$30.00} late fee a total {$1000.00}, Since XX/XX/XXXX to now XXXX has been harassing me with phone calls all hours of the day and night as well refuses to recognize my XXXX 's, I tried talking withy them ask for a fortberence/releaf and stop calling me and harassing me as our conversations go no were Quote : they said my account must go basically 90 days in the rear before asking for such, Iam not even 30 days late referring to grace period to grace period.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Bull City Financial Solutions, Inc
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently submitted a CFPB complaint against Bull City Financial Solutions. The responded with a generic blanket statement and the complaint was closed. Again, they are stating that i have an alleged debt with them in the amount of {$1100.00}. 

I sent a debt validation letter requesting specific information to which they did not supply. I asked for not only proof that I owe them anything ( a contract/agreement with them with my wet-ink signature and a good or service i received from them. ) They did NOT produce such documentation. I requested in the validation letter as well that if they could not do so within the legal allotted amount of time that they cease with their collection efforts and immediately remove the their derogatory remarks from my consumer report. They have done neither. 

In the XX/XX/XXXX CFPB complaint I listed all of the things that they were in violation of and I again requested immediate removal of their reporting to all three of the CRAs. Their response was conducive with the fact that they are in willful violation of the FDCPA, FCRA, and the Privacy Act of 1974. I've stated with them the laws and compliance matters with the Acts and they refuse to move on them. 

They are in violation of 15 USC 1681 for the information in my consumer report provided by them, permissible purpose, and a blatant violation of compliance procedures. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Bull City Financial is in violation because they have not and can not prove, in fact, that I owe them anything. They have not produced any accounting ledgers, statements, or again, a contract or agreement with my wet signature binding me to them and a service or good I received from them. 

12 CFR 1016.1 : they are again in willful violation because as stated in my debt validation letter as well as my last CFPB complaint, i asked to immediately be opted out of them reporting any information about my on my consumer report. I am NOT a customer of theirs and i DID NOT consent to them reporting anything in the first place. 

So again, I request they they immediately remove reporting of me to any and all CRAs that they are reporting to. I demand to be opted out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous negative and collection accounts that are reporting to my credit that has been previously removed. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run and or having the proper information on the said account. further more they refer me back to the credit bureau. Im not getting anywhere and want these negative marks removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. the accounts in question are as follows : BANKRUPTCY TAX LIEN XXXX TAX LIEN XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts were previously removed under FCRA but have been re added.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " XXXX by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XX/XX/2023 I arrived in XXXX XXXX XXXX, XXXX. I took a taxi to a nearby hotel ( XXXX XXXX XXXX XXXX ) in XXXX XXXX of XXXX and agreed on a XXXX peruvian Sol ( USD {$13.00} ) fare with the driver which is a standard fare rate. The driver took my credit card info to pay and charged me XXXX peruvian Sol ( USD {$130.00} ) without my permission. The driver committed fraud by not showing me the amount and forging my signature. I never agreed to the amount or payment and I was not provided a receipt when I asked for it. The driver was confrontational and rude so I did not feel comfortable escalating the situation in the moment. I was a victim of credit card fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX : XXXX 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 non-monetary relief
Consumer complaint received 2017-03-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XX/XX/XXXX I sent Experian certified letter asking them to investigate a credit item on my credit report. The item in question is an account from XXXX being reported on my file. What I asked Experian to investigate was the fact that the account was too old and obsolete to still be reported on my credit report based on the Fair Credit Reporting Act. I also included a copy of my Experian credit report from XX/XX/XXXX showing that this item was scheduled to be removed from my report on XX/XX/XXXX. On XXXX I got a letter from Experian telling me that they will not reinvestigate this item and that they already verified the information. I never asked them to investigate the age of this account before, so this is a different dispute. I feel like they never even read my letter and looked at the information I sent them. Based on FCRA and the evidence from my older Experian credit report this item needs to be investigated and removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 fourth 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX VERIFY Inquired on 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 Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$440.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX  XXXX Balance : {$120.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX Balance : {$290.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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