BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023 ; XXXX  XX/XX/2023. 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of XXXX XXXX It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 

XXXXXXXX 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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm writing to ask that unapproved credit inquiry be taken off my credit record. I discovered inquiry on my credit report that I had not approved when I obtained a copy of my credit report. 
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 2022-03-05
Company: EQUIFAX, INC.
State: TX
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:
On XXXX2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an old utility bill that was originally opened by my younger brother, in my name. I have disputed this several times. The debt just keeps getting purchased by other debt collection companies. Most recently IC Systems. It is being reported as a current debt on my report for {$1500.00} as of XX/XX/XXXX. This reporting is false. This debt is more than XXXX years old, on top of being fraud. My brother, XXXX XXXX, has since passed away on XX/XX/XXXX. This debt needs to be removed from my report. What IC Systems is doing is a violation of the FDCPA and its is an out of state debt.

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 2023-08-27
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have tried many different ways to pay this mortgage company Mr. Cooper or Right Path. I have written out a time line of sorts and made several attempts to pay them sometimes twice monthly. I receive text messages and inbox messages through the company telling me it has been paid. I can see at times they have taken the payment and then reversed the payment. I have paid my bank fees and fees with them. I have tried using my bank to pay them which my bank will not do anymore, tried auto pay, tried calling it in and scheduling payments. Nothing is working and now they are telling me I am delinquent. I have a feeling they are deliberately trying to get my house foreclosed on. I am filing this complaint as a first step and will be looking at getting an attorney next if I cant get the help I need. I have documentation of all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 wirtten 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 explanation
Consumer complaint received 2023-05-13
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They are preventing me from adding my bank account to make payments. 

All of this has been ongoing for the past 2 months or so. 

I previously used the same account for many months to make payments, but at one point I accidentally double payed and rather than carrying a negative balance on the card I opted to cancel the payment from the side of my bank. 

As soon as the transaction was rejected, I was no longer able to use that bank account at all. I've called them multiple times and have tried numerous things but nothing they propose ever works, and they eventually started blaming my bank. However- I know the bank is fine because when I call them and ask them to charge the bank they have been able to do so, even after it was blocked on their end in the website UI. 

I opened a new bank account in order to try and get around this but am having trouble with that bank account, and likely I will end up being charged late fees because of the credit card companies refusing to take my payment. 

I also setup a new account with my original bank account which worked for one payment, but I got a bonus from work and after transfering that out to XXXX apparently my bank blocked all outgoing payments because it was so large/I hit some limit for the month. This caused another payment to be canceled on the new account and now that one is blocked by by my credit card also. 

I want to highlight that I have spent hours across several support calls and my own debugging to try and resolve this issue. The company has been completely unwilling to do anything, and to an extent does not seem to even acknowledge this as a problem. 

This is the Amazon Store Card from Synchrony.

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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2020, I sent letters to the corresponding major credit bureaus about inaccurate reporting false items on my credit report. It's been more than 60 and I haven't received a response from them yet. I feel like I'm being ignored of my disputes. These are deceptive practices by the bureaus.

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 2024-01-02
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX endeavor to tell you that I am a victim of XXXX XXXX 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 Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2019-01-24
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: Account status incorrect

Complaint:
XXXX XXXX transferred my account to XXXX XXXX XXXX without notifying me via email that a transfer would take place. Neither XXXX XXXX nor XXXX XXXX XXXX provided me written documentation of the transfer or new payment plan to my current address and thus I was marked late by 30 days of payment. I spoke with XXXX XXXX XXXX and they admitted that many other borrowers had this problem, but XXXX XXXX XXXX stated that they could do nothing to rectify the reporting of the late payment to the credit bureau. I paid off the account in full when I discovered the issue.

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 2023-08-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Rushmore along with XXXX XXXX XXXX is serving as trustee for XXXX XXXX XXXX XXXX XXXX XXXXXXXX is attempting foreclosure on my property with unclean hands and fraudulent assignments that dates by as from mid XXXX XXXX XXXX is well known XXXX XXXX notarize the assignment dating XXXX fraudulently conveyed the first assignment. The assignment was created after the cut off date of the first trust filed with United States securities exchange. The polling and service agreements section 201 clearly states that all mortgages had to conveyed 90 days prior to the cut off date. These assignments are aIl fraudulent and fraud cant be the basis for obtaining a deed. The notary XXXX XXXX XXXX was apart of both Federal and State Court cases. The Vice President that signed are not bank presidents. The are simply Robo signers.I sent a XXXX XX/XX/XXXX and they havent responded. I sent a notice of default and I havent received a response. I requested the XXXX accounting and they didnt even acknowledge my request. They are also guilty of violating Federal dual tracking laws. I requested assistance submitting all of the documents and while collecting loan modifications documents they referred my loan to XXXXXXXX XXXX XXXX XXXXXXXX. This was clearly Dual Tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 hope this letter finds you well. I am writing to express my continued concern and frustration regarding the second unsuccessful attempt to remove fraudulent items from my credit file with Credit Bureaus. Despite my previous communications and efforts to rectify this issue, the unauthorized entries persist, causing considerable distress and potential harm to my financial standing. 


Discovered unauthorized and fraudulent entries on my credit report. 
Immediately reported the fraudulent items to your dispute resolution department, providing all necessary details and supporting documentation. 

Received acknowledgment of my initial dispute but witnessed no immediate action on the removal of the fraudulent entries. 

Followed up with the dispute resolution department to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items remain on my credit report after the second attempt, causing additional stress and potential financial repercussions. 

I understand that resolving these matters can be complex, but the persistence of these fraudulent entries is highly concerning and unacceptable. 

I urgently request the following actions : Immediate and thorough re-investigation into the fraudulent entries on my credit report.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Swift removal of the fraudulent entries from my credit report and a confirmation of their removal.

Assurance that my credit report will be accurately updated, reflecting the successful removal of the fraudulent items.

Compensation for the inconvenience, stress, and potential financial impact caused by the delayed resolution and second unsuccessful attempt.

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2020-08-05
Company: Bread Financial Holdings, Inc.
State: MA
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:
Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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