BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have disputed these accounts multiple times theyre not mine & I am a victim of identity theft. I have sent Trans Union XXXX XXXX proof of filed FTC Report & police report when I was assaulted & had my purse was stolen which included ID, credit cards & other sensitive information. I have been disputing & trying to resolve these accounts for months! I have reached out to creditors for original applications to verify information. Some arent responding & others are sending incorrect requested documents & Trans Union XXXX XXXX is still reporting information accounts as verified & accurate. 

Below are the accounts that were opened in result to identity theft XXXXXXXX XXXX XXXXXXXX XXXX {$410.00} ( Trans Union XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Trans Union XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$5500.00} ( Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$460.00} ( Trans Union XXXX XXXXXXXX XXXX XXXX  XXXX {$410.00} XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX ) XXXX XXXX XXXX XXXX  - {$5500.00} ( XXXX ) XXXX XXXX N.A - {$620.00} ( XXXX ) *I have supplied tracking # that I used for supporting information claim included on attached 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 2023-07-07
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern there was identity theft on my account with transunion. I have all these hard pulls. I never went to any of these places and applied for there products. XXXX/XXXX  Inquiry from XXXX XXXX XXXX XXXX, Bank XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX Inquiry from XXXX XXXX, XXXX, Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX, Bank XXXX  Inquiry from XX/XX/XXXX, XXXX  XXXX  Inquiry from XX/XX/XXXX, XXXX  XXXX  Inquiry from XX/XX/XXXX, XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX, Bank XXXX/XXXX  Inquiry from XX/XX/XXXX, Bank XXXX Inquiry from XX/XX/XXXX, XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX  XXXX/XXXX  Inquiry from 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 explanation
Consumer complaint received 2023-07-04
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a transaction for {$120.00} on XX/XX/2023 for a service on Cash App and the money was taken from my bank account, yet the person on the other end claims they never received it. I wanted to open an investigation on my end, but Cash App refused to let me do so. They just kept saying the funds were sent successfully. And if the person was lying and they did receive the funds, I have proof that they claimed they didnt receive the funds. They wouldnt even look into the possibility that their system may be flawed, or that I truly was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Bridgecrest Acceptance Corporation
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have attached documents that shows from XXXX  and XXXX  that I do not own this vehicle. The items I dispute on the attached copy of the report I received.The information onBRIDGECREST account number XXXX with a balance of BALANCE OF {$18000.00} isinaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. This item has been removed from XXXX  and XXXX  after they have done the proper investigation. I am instructing you to remove this fraudulent account off of my FICO score. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
there are unauthorized inquires on my credit report. I have attached a ftc report that shows unauthorized inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX noticed a couple of accounts that does not belong to me and the addresses these accounts are linked to are also not mines.I contacted these creditors multiple times and these incorrect items are still on my report.I file an identity theft report stating that I was a victim of identity theft.I have documents attached also with the report.15 u.s code s 1681c-1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze. Also there were a name brench posted on my report also attached.the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-21
Company: Experian Information Solutions 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:
I just check my credit and i notice that someone brougth a car using my personal information I did not Authorize anyone to do such a thing this account is fraud and i would like this account to be removed from my credit. 
thank you

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 2023-03-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Got a loan on a boat inXX/XX/XXXXpaid the loan off in full XX/XX/XXXX. Tried to find out why I couldnt receive the title and got a run around and never could receive it. Fast forward to XX/XX/XXXX I called again to find out how to get the title because nc wildlife stated there is a lien from Wells Fargo bank still on the title so I called the bank and I was told they will send a notarized lien release and I would receive it in 7 days I waited 3 weeks then I called back they told me it was not approved and they where going to send one out again this happened 3 times now. I also was told by numerous supervisors they would reach out to me about the issue and they never have. Its now XX/XX/XXXX and I still can not get answers about receiving a notarized lien release no one is reaching out as they said they would after I sent documentation showing that they indeed have a lien still on the title. I need the title and Wells Fargo has just been giving the run around and every time I call to get an update I have to explain the entire story over and over and start from step one again due to speaking to someone different every time because they can not give me a direct line so I can talk to the same supervisors or other employees that I talked to before about the issue and that know whats all going on and the issues Ive been having.

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 2023-07-04
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed and the bank is holding my pension checks hostage for 21 days. I need these to live on. They say it takes 21 days to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/XXXX, XXXX responded but XXXX and Equifax 's response is still in progress. Some items are deleted but there are still FRAUDULENT items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: KP ASSET CONSULTING LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I ( and many people Ive known throughout my life ) got a call from a XXXX XXXX saying I had a pending claim that once filed will be public record and they will come to my home and workplace. They said I had the right to contact the filing party, at the provided number XXXX and I did. 

I asked them to mail me documents on the claim to the address they had on file and they said if I didnt sign for it it would be a refusal to cooperate. 

I asked them to stop calling other people and my place of employment and she refused stating they would continue to call everyday.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-01
Company: FC HoldCo LLC
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: Account status incorrect

Complaint:
I have made multiple attempt to resolve this issue with XXXX. 100s of phone calls literally and I am ready to seek legal counsel on this. 

I settled an account with XXXX on XX/XX/XXXX. To date I am struggling to have the correct status reflected settled and closed. 

After months of struggle, XXXX is finally reporting settled XX/XX/XXXX and closed. XXXX and XXXX   are still showing DEROGATORY status and no closed date. In fact there is an " N '' for negative on XX/XX/XXXX in both bureaus. 

This is affecting my ability to seek home equity loan. I have put into this 5 months. I have been patient. These people do not care. Beyond taking the settlement they do not care to meet their end of the bargain, to report correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: CA
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 did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 %. For several months, I have been trying to dispute negative accounts from my credit report, several times. 

In accordance to Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when several inaccuracies are shown on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Listed below are the negative accounts : XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$170.00} I attached the latest dispute letter I have filed a complaint against bureaus and creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom it May Concern : This is the 10th time I am disputing and pleading for correction on my mortgage account. Shellpoint is not taking the initiative to complete my review for my escrow account. referencing XXXX Escrow account. Shellpoint Mortgage servicing fail to complete an escrow analysis within 60 days of the loan transfer. Shellpoint mortgage fore placed insurance onto my property wrongfully and so as XXXX XXXX XXXX  which is the original lender of this mortgage. I have called and spoke with numerous customer service representative who assured me that all has been taken care of. based on the last escrow analysis, the analysis came back {$38.00} short. I went onto their website to make this payment only to find out the system would not accept my payment due to fees owed of {$220.00}. I have never heard of this fee and have no idea what this fee is even for. I have not had ANY late payments with shell point mortgage. why am i being treated like this? is it because my home has equity position? why are there multiple moving parts to my mortgage loan when I don't own and isn't behind on any payments? please remove the fees of {$220.00} and update my mortgage account according.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX is inaccurately reporting on my credit report 30 day late in XXXX and then a 60 day late in XXXX and a 30 day late again. When this car was stolen and it was paid out by the insurance in XXXX of XXXX. I was then informed in XXXX of XXXX  that there was an outstanding balance due to fees and charges that I needed to make payments on which I did. Now they are telling me that those were back payments and that they have reported them as late on my credit when the Cares Act I thought prohibited them from doing so but also they never notified me of this.. The loan is paid off and has been for quite some time and they never even notified me that I was late because of their junk fees and charges when I was told by my insurance company that they paid off the loan.

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 2020-02-21
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:
I just check my credit and i notice that someone brougth a car using my personal information I did not Authorize anyone to do such a thing this account is fraud and i would like this account to be removed from my credit. 
thank you

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 2019-05-01
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was Evicted from my home in XX/XX/2017 I paid all my debt from the landlord and then a year later the name Hunter Warfield showed on my credit report. I was never given a notice about this charge, and what is it for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: BMW Financial Services NA, LLC
State: GA
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 am writing this complaint to BMW FINANCIAL SERVICES. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My quality of life is being drastically diminished because XXXX XXXX XXXX illegally bought my information from a company that I did not give my consent to furnish or sell my information which in violation of 12 USC 1431 ( identity theft ) they also violated law 15USC 1682 BY DISCLOSING MY PERSONAL INFORMATION WITHOUT MY CONSENT TO THIRD PARTIES.. I AM AWARE OF MY RIGHTS UNDER THE LAW AND THESE AND THE PROVISIONS IT PROVIDES TO ME TO EXERCISE MY RIGHTS AS TO THE CIVIL LIABILITY THESE COMPANIES FACE MY INTENTIONALLY BREAKING THESE LAWS REGARDING MYSELF OVER THE LAST SEVERAL YEARS. THEAE VIOLATIONS ARE NOT UNDER FCRA COMPLIANCE. THESE COMPANIES HAVE ALSO FAILED TO VALIDATE ANY CLAIMS MADE AGAINST ME SET FORTH BY THE FCRA AS TO THE VALIDATION OF INACCURATE INFORMATION .THIS INNACRUATE REPORTING NEEDS TO BE DELETED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THESE INACCURATE INFORMATION HAS BEEN DELETED/ REMOVED FROM MY REPORT.

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