BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB Complaint to you today to request that you remove the fraudulent accounts and information off of my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts off of my Credit File : XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$17000.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: SYNCHRONY FINANCIAL
State: NY
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:
According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

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 2022-07-11
Company: Unifin Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a demand letter from Unifin Inc on XX/XX/2022. Upon checking my credit files to properly start the disputing process Ive noticed XXXX XXXX XXXX reported the same debt with the same account number from the same alleged creditor. Proper documentation from XXXX XXXX XXXX was NOT provided to allow XXXX XXXX XXXX to verify the accuracy of their data before placing their account with the credit bureaus for collection. XXXX XXXX XXXX are not honorable with their collection attempts. I would like for XXXX XXXX XXXX to prove via mail that I was allowed the opportunity to dispute their debt. 

It appears that Unifin Inc and XXXX XXXX XXXX are debt XXXX demanding a debt on behalf of XXXX XXXXXXXX XXXX. I have not received any goods or services from Unifin Inc, XXXX XXXX XXXX, nor XXXX XXXX XXXX and I do not know how Unifin Inc, XXXX XXXX XXXX, or XXXX XXXX XXXX received my private information. Unifin Inc and XXXX XXXX XXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Unifin Inc XXXX XXXX XXXX XXXX XXXX 

I am not a party to any agreements that Unifin Inc and XXXX XXXX XXXX XXXX or may not have with XXXX XXXX XXXX. I am not responsible for Unifin Inc and XXXX XXXX XXXX purchase / transfer from XXXX XXXXXXXX XXXX. I have not agreed to pay/tender anything to Unifin Inc XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. 
Please be advised that Unifin Inc, XXXX XXXX XXXX, and XXXX XXXX XXXX will each received validation notices via certified mail. ( I will upload proof upon request ) Each reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 

With proof attached; please be advised that neither : Unifin Inc, XXXX XXXX XXXX or XXXX XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My ticket number on the Binance.US exchange is # XXXX Ive been trading on this platform since XXXX with no problems. I received a notification this morning XX/XX/2021 of 2 failed ACH deposit both in the amount of {$1000.00} each for a total of {$2000.00} that were returned to my XXXX XXXX XXXX  account. 

I was informed in an email to deposit said amounts into my http : //Binance.US account to bring it into good standing or there would be a charge back. 

I tried depositing {$2000.00}. Then received a notification email that the deposit failed and now my account was frozen. 

I was directed to upload my most recent bank statement and and selfie video of myself holding my identification card. Both requested items have been uploaded in drop box in the support ticket. 

There is no customer support on the site at all. When I check on my support tickets they are automatically marked as solved but my account is locked still. 

Im am completely kyc verified. I have as of right now XX/XX/2021 {$39000.00} in multiple crypto currencys. 

Ive tried reaching out to there consumer rep on XXXX they are ignoring me. 

Like my funds returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
n accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Here is a copy of my Affidavit of Truth dated XX/XX/2022 which I sent a notarized copy to TransUnion reporting inaccurate information on my consumer report. I Demand you follow the 2 Acts that govern and control the credit industry. FCRA and FDCPA. According to 15 USC 1681E ( b ). I am entitled to an accurate consumer report. I demand you remove all these inquiries from 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 non-monetary relief
Consumer complaint received 2015-03-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. 
This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. 
I am requesting that the credit bureaus delete the information or correct it. 
Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. 
Sincerely, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
In XXXX of XXXX during XXXX I filed an application with Planet Home XXXX XXXX to put my loan in forbearance due to loss wages and time off work due to XXXX. I submitted the application to XXXX XXXX XXXX XXXX, they stated my loan payments that I would miss would be added to the back of my loan when the forbearance was over. In XX/XX/XXXX I sold my home. The loan was paid off in XXXX. 
In XX/XX/XXXX I applied for another FHA loan and was denied as my credit report showed XXXX XXXX XXXX reporting my mortgage 120 days late. I contacted XXXX immediately and stated I was in a forbearance program with XXXX XXXX when I owned the home, the representative stated they didn't process my application until XX/XX/XXXX there for I was considered late. I argued my point that I submitted the application in XXXX but got nowhere with XXXX. I gave up on getting a mortgage in XX/XX/XXXX as XXXX would not remove the XXXX late on my report. I was advised by a lender to wait and apply after the XXXX late was over 12 months old to avoid the stress of fighting with XXXX. 
XX/XX/XXXX i applied with rocket mortgage for a FHA loan to purchase a new home. I was told that XXXX XXXX XXXX last reported me being late on my credit report on XX/XX/XXXX. I sold my home XX/XX/XXXX!!! I called XXXX XXXX XXXX XX/XX/XXXX and they cant even find my old mortgage in their system to even discuss the issue with me. I was advised to send by mail a complaint to them. I was told there is no phone number to talk to anyone about this issue that it had to be done by mail. 
I am now in jeopardy again of not qualifying for a mortgage because of this lender. This is a HUGE mistake on my credit report that is affecting my credit score and my eligibility for another FHA mortgage. I need your help in getting this resolved. Even if they wont remove the 120 day late, ( still not my fault as I was told I was in forbearance ) they should at least be required at a minimum to report it correctly on my report. It SHOULD NOT say XX/XX/XXXX as I sold my home in XX/XX/XXXX and the escrow company paid my mortgage off in XX/XX/XXXX. 
PLEASE HELP! 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT 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 2021-06-05
Company: Specialized Loan Servicing Holdings LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I sent a mortgage payment to my original servicer, XXXX XXXX. On XX/XX/XXXX, my mortgage servicing rights were transferred to CMC Funding, a subsidiary/affiliate of Specialized Loan Servicing ( SLS ). This complaint is about SLS not recognizing that XX/XX/XXXX payment. 

On XX/XX/XXXX, I called XXXX, asking for them to send the payment information to SLS. They indicated that it is up to SLS to reach out to them for the information. They emailed me a PDF of my payment history that I could provide to SLS. I emailed that information to SLS XXXX XXXX ). 

On XX/XX/XXXX, I emailed a completed Missing Payment Research Form to SLS to request that they undertake activities necessary to recognize that the XX/XX/XXXX payment was made. This email included a bank statement showing the original payment was made. I received an automatic reply saying they received the email. I received no other response. 

On XX/XX/XXXX, I again emailed the Missing Payment Research Form to SLS, complete with a bank statement showing the original payment was made. I received an automatic reply saying they received the email. I received no other response. 

Throughout this process, I have been calling SLS support. I've learned that the XXXX inbox is reviewed by staff at headquarters, who review incoming mail and assign emails to the appropriate accounts ( e.g., assign an email from a borrower to that borrower 's CMC Funding account ). It appears that nothing can be done until this staff do this assignment ; folks on the SLS support line can not even see that a Missing Payment Research Form has been submitted until that assignment has been made. Further, the only ability for SLS support individuals to contact staff at headquarters is by emailing that same XXXX inbox. 

When I've contacted SLS support, I've been told that they can not see that I've sent any emails, let alone the Missing Payment Research Form ( twice ). I have been told that I may resubmit the request form via email, fax, or mail, but that fax and mail will be received by the same team that reviews the email inbox.

CMC currently has my account listed as delinquent because of this missed payment. I understand that no late fees will be charged or other penalties applied during the 60 day window following the transfer of servicing rights ; however, given that SLS has not even confirmed that they are working on determining whether the XX/XX/XXXX payment was made, and that my account information does not reflect that a request was made for SLS to research whether the payment was made, I worry I will be penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
This is also completely inaccurate. 
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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION CONSUMER INTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION INTERACTIVE IN XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION INTERACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION INTERACTIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

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 2023-02-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have been informed Wells Fargo XXXX account holders are entitled to a payout as part if a {$3.00} XXXX dollar settlement. I had a car loan with Wells Fargo from XXXX but no longer have an account with Wells Fargo XXXX I am submitting this complaint to see if I am eligible for a payout for being charged higher interest and fees.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion will not remove my ardmore fiance acct even when the company stated i paid in full and also sent message to Transunion i also sent out the letter of paid also i attached here so you can see also please help me they will not help me and that's against my rights

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 2023-06-03
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:
Theres an account for a company called XXXX XXXX, I have disputed it multiple times and they will not remove it. I have no idea who this company is and they keep adding remakes that do not make sense to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : $ XXXX XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4200.00}

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 2023-04-13
Company: EQUIFAX, INC.
State: AL
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. 

The attached documentation further explains my claim.

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