BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-06-16
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Portfolio Recovery a debt collection agency is reporting a debt that is over 5 years old and needs to be removed. They keep updating and changing the date to make it look newer than it is. XXXX XXXX was for a retail credit card opened up in 2012 and needs to be removed. 

I've been addressing this for over five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: JPMORGAN CHASE & CO.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Consumer attempted to find a temporary living situation in XXXX, Georgia so that she could work a month-long film job. A suitable option was found at XXXX. Consumer got in contact with the renter, renter provided a rental application, then a contract, and requested payment via wire transfer or mail. After rental application was submitted and approved, payment was made via a bank to bank transfer ( wire ). After payment was made, renter stopped responding to phone calls, texts, and emails. 

Fake real estate company : XXXX XXXX / ( XXXX ) XXXX / ( XXXX ) XXXX ( fax ) / XXXXXXXXXXXX / XXXX XXXX  XXXX XXXX, XXXX, NE XXXX Contacts : XXXX XXXX XXXX and XXXX XXXX XXXX Recipient Bank Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Notes : -Chase bank is unable to retrieve the funds in question, but has opened a claim. They say the funds are no longer available in the recipient account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
On XX/XX/2020, I sent a letter to XXXX, Equifax, and XXXX disputing an account that should have been removed from my credit report after the account was paid off, but it is still reporting. I have allowed the credit reporting agencies more than enough time to investigate and remove the account, but they have ignored my request. I contacted the creditor and they stated that no one reached out to investigate the account so why is this still reporting on my account? I am demanding that the account XXXX XXXX XXXX is removed from my credit report within 15 days. If this account is not removed, I will seek legal action for violation of the FCRA, negligence, and distress due to incorrect information. Also, the creditor agreed for the removal of this account once it was paid off. Please see the attached letters that are dated and time stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am formally disputing Specialized Loan Servicings ( SLS ), denial of a loan modification in the year XXXX, as well as continual harassment of sale dates while amid COVID-19 and State mandated eviction moratoriums causing tenants to not able to make their rent payments. As well, I am disputing their illegal, irresponsible activity of placing continual sale dates while they are informed of the severe hardships, we are enduring within XXXX XXXX due to the flooding and snowstorms to which my home had XXXX feet of water in it on XXXX separate dates, starting on XX/XX/XXXX, back-to-back, and then current snowstorms. I am working with XXXX, my insurance company and the City of XXXX currently to restore the property according to these experts during this declared XXXX State of Emergency. The last thing I need to contend with are sale dates! 

I applied for a loan modification in XXXX and I was denied on the grounds that SLS had no available options for me to keep my home. I would think between COVID-19 and the severe flooding/weather disasters we are dealing with currently, that SLS would find some program to help me through this. 

As per our Washington Governors latest state laws : Washingtons Governor Inslees Eviction Ban Proclamation, extensions, bridges currently are set to end XX/XX/XXXX, but upon expiration, has placed Ordinance XXXX which will take effect XX/XX/XXXX providing additional tenant protections including the start of a XXXX-month period in which a renter may claim a defense against eviction for non-payment of rent if they can demonstrate financial hardship due to COVID-19. This timeline protects tenants from evictions for non/late payments through midXXXX XXXX. 

Until my property is restored, and the City of XXXX allows my tenants to move back into their units and they can keep a job to pay rents, I am asking for forebearance relief, possibly a reduction in principal as well as a decent loan modification as I work daily to clean up this mess and try to rebuild after such a disaster on top of COVID-19. 

Most landlords are walking away and leaving this mess for the mortgage companies to deal with. I decided to work through this and restore my property the best I can and for this effort have been harassed with sale dates and told SLS has NO RESOURCES to help me out.

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 2023-06-30
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Selene Finance is the mortgage company that I have a loan with. 
I have been trying to get a loan modification with them. All documents were sent several months ago.They have used stalling tactics to keep our loan from reaching the underwriter. We have have documented date times and duration of every call and it is pure waste of time. 

It is as if these folks are not trying to help customer in need of mortgage assistance on purpose. All required documents have been sent. Yet they continue to string us along to this day as we approach the deadline for the file to be reviewer. 

When we ask for managers or escalations, we are dumped right back into the queue for calls to start over. We have been put on hold for infinite amounts of time. 

One of the supervisors name XXXX XXXX informed me that I would get a call back from the escalation team and no one returned the call. 
She claimed that she would write a letter of complaint of my behalf to the ombudsman and I explained that his would be a conflict of interest if such a department existed. 

Their business practices are very shady and how they handle customers is terrible. I feel bad for anyone who has to put up with the treatment they get. 

The level of customer service is terrible but the stalling tactics are in violation of many laws and this is why I decided to file a complaint here. I hope CFPB Can address these issues as I have documentation to support my claims. 

If you are dealing with Selene Finance, please logged date and times of all calls, names of people you speak to and their supervisors. There seems to only be one that keeps taking our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: KS
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:
Ive contacted Experian and XXXX about disputing the specific date of the account, its from XXXX. Should it be removed off my credit 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 2023-06-30
Company: JPMORGAN CHASE & CO.
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian forwarded your company information in the complaint number XXXX that is not true or correct at all. Experian, you state that you opened a " reinvestigation '' in XX/XX/XXXXwhen I have continually asked for my bankruptcy information to be updated for nearly 2 years now from your company. I simply stated in my requests to you that if you were unable to update the information accurately then please delete it. I am in no way accepting your falsehoods as accuracy. I have contacted each company listed in my original complaint and verified that they have my account updated as discharged in chapter XXXX bankruptcy. THIS WAS DONE AFTER XX/XX/2017 AND BEFORE XX/XX/2017. In other words this was verified PRIOR to my contacting your company. I have sent every item of documentation you have requested. The only thing I have not done to date is sue your company. If you are stating on record these data furnishers are purposely supplying you with false information then I should have been promoted to take legal action against them. However in this case the data furnishers are assuring me that it is in fact EXPERIAN who is supplying false data. I no longer have any active accounts with any of these creditors. Updating my information accurately has nothing to do with signature slips as you noted in your CFPB response. It is simply updating information accurately which YOU ARE IN FACT OBLIGED TO DO by LAW, FCRA SPECIFICALLY. You are blatantly refusing to update my information and have caused me severe hardship by doing this. Therefore you have left no further choice but lawsuit. To date I have sent you discharge papers, bankruptcy schedules, creditor letters, and CFPB complaints. I will seek every damage and remedy afforded to me under the law and am more than confident I will prevail. I have every piece of documentation including your recent blatant regard for the federal laws that protect us both. 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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-19
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$73.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$20.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$1100.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$250.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$40.00} ; XXXX XXXX XXXX ( Originalcreditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Mercedes Benz Financial Services
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: Their investigation did not fix an error on your report

Complaint:
I have disputed these MERCEDES BENZ FINANCIAL and it has not been corrected. The following accounts are still reporting wrong on my credit report but it is already closed. These accounts have been closed however, the account payment status is 30 days late. The accounts payment status CAN NOT be 30 days late on accounts that has been closed. The account 's status is wrong and should be closed. Now, I want you to correct this misinformation on my file. MERCEDES-BENZ FINANCIAL XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, MERCEDES-BENZ FINANCIAL XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
There is information that on my consumer report is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block and delete such information made on the basis of a material misrepresentation of fact by me relevant to the request to the identified transaction. The identified transaction are not information related to any transaction by me as a consumer. 
XXXX. Account name : XXXX XXXX Account number # XXXX XXXX. Account name : XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX, Account name : XXXX XXXX XXXX. Account number # XXXX XXXX. Account name : XXXX XXXX. Account number # XXXX XXXX XXXX XXXX XXXX XXXX Account number # XXXX as well as the following inquires a. XXXX XXXX Under 15 U.S. Code 1681c-2 Block of information resulting from identity theft I demand this information to be block and removed from my consumer report with in 4 days from the date of receipt of this notice. 

FEDERAL TRADE COMMISSION Identity theft report # 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 2022-12-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXBalance : {$5500.00}

Company response to consumer: Closed with explanation