BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

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 2023-07-17
Company: Experian Information Solutions 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer 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
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: OH
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 a mortgage account being reported on my credit report by Equifax, XXXX, and XXXX that shows inaccurate late payments, up to 60 days, that are different on each bureau and have not been verified after several attempts to correct or remove the account. I have sent in multiple dispute letters, and have talked with each bureau on the phone, and have not made any progress, the account still remains unchanged on my credit report. 

I have made several attempts by mail over the last year or longer. The late payments on the account have never been verified but remain on the account. I have also spoken on the phone with each bureau and made no progress. 

This account has been negatively affecting my credit report and preventing me from getting new lines of credit, loans in particular. Not one of my other accounts shows any type of late payment activity. This account has made my financial situation very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
We were restructuring our finances during the Federal Government shutdown of XX/XX/XXXX - XX/XX/XXXX. We have detailed exactly how we were impacted in two detailed letters ( copies attached ). Most credit card issuers understood our issue and made changes to their data submission. Some didn't even submit a report of delinquent payment to Credit Reporting Agencies. We were told by representatives of this band and our own bank that the shutdown would not affect our credit record. Despite repeated attempts, we receive that standard form response. Their response is a couple of " catch all '' blanket responses to make it look as though they have conducted and investigation.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 8th 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 Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$560.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Advantage Credit, 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: Credit inquiries on your report that you don't recognize

Complaint:
There was a hard inquiry on my credit report that I did not authorize. I believe someone may have submitted it without me knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX : Intent to file lawsuit, No validation of debt. 


Validation Letter sent to : XXXX XXXXXXXX XXXX Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

Furthermore, XXXX XXXXXXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
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: Public record information inaccurate

Complaint:
My issues are with the below parties. I have reached out to them over five times to express this is incorrect. All bureaus are showing a collection from XXXX XXXX XXXX which is incorrect and should be removed. Please assist. 

XXXX. Experian 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 2023-03-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a mortgage account being reported on my credit report by XXXX, TransUnion, and XXXX that shows inaccurate late payments, up to 60 days, that are different on each bureau and have not been verified after several attempts to correct or remove the account. I have sent in multiple dispute letters, and have talked with each bureau on the phone, and have not made any progress, the account still remains unchanged on my credit report. 

I have made several attempts by mail over the last year or longer. The late payments on the account have never been verified but remain on the account. I have also spoken on the phone with each bureau and made no progress. 

This account has been negatively affecting my credit report and preventing me from getting new lines of credit, loans in particular. Not one of my other accounts shows any type of late payment activity. This account has made my financial situation very difficult.

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 2023-08-03
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 DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that the item being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX 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 2021-03-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX Summary : XXXX XXXX XXXX, XXXX Credit Card XXXX received a judgement in courtment for a XXXX mortgage debt of {$14000.00}, back in XXXX on my townhouse residence at XXXX XXXX XXXX, XXXX, VA XXXX. They also received a lien against my residence via this court judgement. It is ironic so far incidental, in the 3 chapter 13 protection instiuted in subsequent years, last one instiuted by self filing, without attorney assistance, in XXXX, XXXX. The current XXXX party debt collector who claimed in my previous CFPB complaint about a year ago, that they had purchased this " defaulted asset '' ( but not the liabilities by previous FICA attorney and XXXX parrty debt collector phone and other harrasment tactics that also required me to file CFPB complaint going back to XXXX. 

In my end, when foreclosure notices were received previously, I sought legal assistance via XXXX, who is the probono legal service for low income families such as myself. XXXX failed to establish non-legal communications with FICA, and suggested Chapter 13 protection for the first time, XXXX XXXX. XXXX ( XX/XX/XXXX )., XXXX XXXX XXXX, Attorney, XXXX XXXX XXXX XXXX. # XXXX, XXXX, VA XXXX, XXXX : XXXX was referred as legal help. XXXX XXXX is a specialist in Chapter 13 & Chapter 7 Bankruptcy protection. On the second time that FICA attorneys filed foreclosue, XXXX XXXX. XXXX XXXX XX/XX/XXXX ) was institued. The 3rd one, institued on XX/XX/XXXX was done self filking basis and without legal assistance, when XXXX XXXX was not available, and I could not find any other legal assistance via other means. This 3rd Chapter 13 case was dismissed last week, XXXX, XXXX by the Trustee and the Judge in this case. 

In the meantime, the current debt collector, against whom I had filed a CFPB complaint has refused communication via my legal representative, and continued their weekly harrasment and claim that the XXXX 2nd Mortgage judgment of {$14000.00} is now exponentially grown to over {$55000.00}, owed. And that they have purchased this " asset '' but not the FICA previous " debt collection systematic harrasements '' libailities, for which several CFPB complaints was filed by me, going back to XXXX. 

XXXX, located in XXXX XXXX XXXX, UT have sent me threating certified mailed letter last week, beside the 2 or 3 weekly mailing I have been receiveing from them for more than a year, with claims of escalating owed money of over {$55000.00}. 

This current claim by XXXX comes from the 2nd Mortgage default judgement, going back to XXXX, awarded to FICA card services division of XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our current mortgage is with Select Portfolio in XXXX XXXX XXXX, XXXX. We have been working with XXXX XXXX out of XXXX, XXXX. since XX/XX/2021 to refinance our mortgage. Upon checking the title, XXXX found that Select Portfolio never recorded the lien/deed. We have contacted Select Portfolio on many occasions and have spoken to numerious agents who have not been able to get the process handled. With this being said, XXXX XXXX has cancelled our loan process due to being unable to get the title information correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Rosebud Economic Development Corporation
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received multiple emails from the debt collection agency where they are telling my settlement account is {$1000.00}. Total Amount Due {$2000.00} with an invoice date of whatever date they are sending me the email. The original amount was {$600.00}, with a balance of {$590.00} My credit report is only showing {$1000.00}, not {$2000.00}. This debt collection company has sent multiple emails inflating the total amount due. They are also repeatedly showing the debt as a NEW debt every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: First Federal Credit Control, Inc.
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation