BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of account that does not belong to me or was opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$610.00} 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 XXXX 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 2017-03-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Refusal to adequately investigate information in my credit report. They are refusing to remove incorrect and invalid information in my credit report by refusing to even investigate the information. Experian Has made it impossible to have errors in my credit report fixed properly.

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 2017-03-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued. i have already send a complaint to best but, this account can not be fount nor at XXXX XXXX or XXXX who could be the issuer of this account apparently. 
please follow up this matter, i would greatly appreciate

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 2018-11-07
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Approximately 10 days ago I deposited and cashed a check from a third party that bounced. It was my not my fault - it was the person that gave me the check. 

I was then left with a negative balance. I was going to let my direct deposit on XX/XX/XXXX refund the account. 

But without my knowledge US Bank closed / froze by account. Their fraud dept. or the bank branch did not notify me of any issues. I believe they over reacted with out trying to reach out to me - the customer. 

Understand they have to protect themselves but if they would have contacted me all this could have been avoided. 

They have not offered any way to fix the problem - how to get my direct deposit, and have not given me a direct answer as to why my account was closed. I received no phone call, email, or text. They mailed a letter which would take several days to received. 

Any other bank would have made an effort to notify the customer. I had a fraud issue with XXXX XXXX  a couple years ago and they were wonderful, helpful, and understanding. 

In contacting their fraud department clearly they were just reading off a script as when I tried asking other questions they kept repeating the same line over and over. They did not seem to care or offer a way to help. Just kept repeating ... again sir " my account is scheduled to be closed XX/XX/XXXX '' " you will be mailed a check with remaining balance '' US Bank can open my account in less then 30 minutes but take 15 days to close my account? I am pretty sure they can fix it and return my funds immediately but refuse to. 

They have already removed the negative balance - my account shows a positive balance of {$900.00}. 

US Bank is not making any effort to help and clearly I am trying to work with them. Will attempt to go into branch and see if they can help.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my 2nd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NE
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 don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Mar Joe Enterprises
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I had XXXX with anesthesia services being provided by XXXX XXXX XXXX, XXXX ( XXXX ). After my insurance paid their portion of the charges, I was billed by the anesthesiology group on XX/XX/XXXX for the balance due of {$49.00}. This amount was paid on XX/XX/XXXX by a bill pay transaction ( check # XXXX ) which cleared my checking account on XX/XX/XXXX. 
In early XXXX of XXXX, I received a notice dated XX/XX/XXXX from XXXX, XXXX, a collection agency in XXXX, TN, which advised that I could " ... dispute the validity of this debt ... within 30 days from receiving this notice ... '' On XX/XX/XXXX, I provided a written dispute along with a copy of the check with which payment was made. Assuming the matter was resolved, I took no further action. 
In late XXXX of XXXX, my wife visited XXXX XXXX XXXX in XXXX, TX to start the application process for a mortgage loan, but she was told that, due to a medical collection judgement against me for {$49.00}, our mortgage interest rate would be one-quarter of one percent ( 0.25 % ) higher than it would have been otherwise. While this does not seem to be very much, over the course of 30 years on a {$200000.00} mortgage, the additional cost to us would be in the neighborhood of {$15000.00}. 
After receiving this news, I disputed the non-payment through the credit reporting agencies, but XXXX, XXXX simply confirmed the judgment against me was valid and declined to correct my records. Hopefully, you will be able to assist me in getting the false reporting corrected and get my credit rating cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX # XXXX, has violated my rights. 

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

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Submitted a request for Transunion to verify and/or delete accounts, however I have yet to receive a response. 30 days have passed.

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 2020-04-06
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was placed on a payment plan and was told it would not affect my credit. They told me that if I completed the payment plan as stated that the remarks on my credit would be deleted. The account has since been paid off and those negatives were never taken off my credit. It has affected me being able to purchase a home. With the COVID 19 rules in place, the restrictions are stronger leaving us without the ability to get a home. Please help us in getting this resolved. I have contacted a lawyer to help with this situation as it has been asked numerous times with the company to of Nationstar to take care of it, but they will not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX opened a fraudulent account in my name with my social security number without validating my address or calling me. Someone fraudulently purchased a motorcycle in the other side of the country, and despite furnishing a police report, XXXX XXXX XXXX has done nothing to help.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX on account numbers # XXXX, XXXX and XXXX have responded in sync with XXXX stating that they investigated my last CFPB complaint and found all reporting to be accurate. The findings were false and clearly not even accurately looked into. It seems to be that both companies simply just stated all was correct to advoid actually looking into and addressing the incorrect reporting. 

A simple example of this is attached here to with the photo of my Credit report showing the automotive credit tradeline. As you can see the status and balance were updated XXXX of XXXX, however when looking at the month of XXXX its stating that the payment was 60 days late.. how can some thing updated in XXXX say that the month of XXXX is 60 days late? In fact it was not late in fact none of the payments have been late. Furthermore we are in XXXX and they havent reported for XXXX, XXXX, XXXX or XXXX despite payments now being made for all months though XXXX, cause we are actually paid ahead and in no way late ever on these accounts. 

XXXX XXXX and XXXX have been Falsely and fraudulently reporting incorrectly and causing me harm to my credit profile and borrowing ability cause of their total neglect for accuracy

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 2019-06-14
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Trying to pay off a mortgage. I have not received a statement from company in two months. They said they were mailed. I went online with their website and got a balance and sent a electronic check which should reach then XX/XX/19. I tried to get a pay off amount and website said that was not available online. I called them and took two hours on phone before an agent answered phone. I was told that he could not give me a payoff at that time it could be faxed or mailed to me. They had to call recorders office to get recording fee. I could call back in three hours and get a payoff. I answered a survey giving poor ratings XX/XX/19 and received a call XX/XX/19 asking about survey. I asked that person to give me a pay off amount and he said it was not available and would request it to be sent by fax or mail. Their poor service is not right. I am calling as I file this complaint and have been on hold for over fifty minutes. Are they even license to do business in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've reach out to the creditor XXXX on numerous occasions about a late payment that's on my credit report and nothing was done. Finally they tool it to the XXXX  and immediately XXXX reached back out to me we came to and agreement to resolve this I held my end of the bargain they told me they solve the issue and the negative report will be removed from my credit report. I gave it some time I check my credit it was still there I reach out to XXXX & Transunion they both said XXXX still show late payment. I call XXXX and ask them why is this still there on my credit report they said they changed it on their end so it should have been updated on my credit report, so they said what I should do is file a dispute and this way once the credit bureau reach out to them then they'll have it updated. I just got back my dispute results and they basically now saying they not changing it. I have the emails which I will attach to support my argument and how unfairly I am being treated. I don't know if it's the credit bureau XXXX XXXX TRANSUNION who's refusing to update and remove those late payments from my report or XXXX lied to me but I need this to be fix and removed/ updated immediately!!

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 2023-04-03
Company: Experian Information Solutions 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:
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... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$5400.00}, XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$11000.00}

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 2018-11-07
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Around XX/XX/18 I opened a checking, savings and business bank account at XXXX XXXX XXXX XXXX XXXX   MI XXXX. I presented all the required personal identification documents, and they were deemed acceptable by the bank agent and the accounts were opened.

My wife and I then went abroad for a several months long work engagement. We are still abroad.

AroundXX/XX/18 I wrote myself two checks, each for {$5000.00}, from my XXXX Bank account which I share jointly with my wife, and I deposit said checks to my Chase personal checking account through Chase 's mobile app. The checks cleared shortly thereafter.

Around XX/XX/XXXX I noticed that online access to my accounts had been restricted. I called Chase, and they informed me that one of the ID documents I used to open the accounts was not an acceptable account opening documented, and my accounts will be automatically closed. They said they will mail me a check for the funds that were in the accounts ( {$10000.00} in the checking account, {$320.00} in the savings account ).

A few days later a check arrived for {$320.00}.

A week or so later, I called Chase to ask about getting a check for {$10000.00} from the checking account. They said they can not issue a check for the {$10000.00} because the name on the check was [ wife 's ] name. I explained that the account on which the check was drawn is shared jointly between [ wife ] and myself, but the name on the check is just [ wife ] 's name.

They said they needed to speak to [ wife ]. [ wife ] was right next to me at the time but they refused to talk to her on the phone. They said they require a " phone number that links back to [ wife ] ''. I gave them [ wife 's ] cell phone number but they didn't accept it. They checked their databases and couldn't find the phone number of [ wife ] that I gave them ( [ wife 's ] cell phone number overseas ) and so they refused to issue a check " until such time that I can supply them with a phone number that links back to [ wife ] that they can reach [ wife ] on ''. As I said previously we are now overseas and reachable only by personal cell phone.

I am now in a situation where Chase allowed me to open an account, and allowed me to deposit funds in my account, but then suddenly and without warning closed my accounts and won't return the money I lawfully and in good faith deposited.

For identification purposes, the account number of said checking account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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:
Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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