BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
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:
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 : //www.ftc.gov 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. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

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 2023-07-28
Company: EQUIFAX, 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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: SC
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 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 2021-10-25
Company: TRUIST FINANCIAL CORPORATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company failed to pay my property taxes and have incurred late 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 non-monetary relief
Consumer complaint received 2021-07-14
Company: ERC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 several accounts have violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose XXXX, XXXX, and Transunion have gone this repeatedly on my credit reports. 

I am requesting that the information be corrected, and removed immediately as it is damaging to my credit report in trying to obtain any kind of credit to prevent homelessness, and other funding options. 

I am forwarding this information also to my attorney. 

Thank you cfpb for your attention to this matter. 

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 explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The reason for this complaint is because there is fraudulent accounts and misinformation on my credit report. I am unsure of how this happened because I did not do this myself. I placed freezes on my credit report to try and prevent this from happening again. I believe my information was leaked in a data breach or stolen. Regardless of how this happened I should not be responsible for the debt attached to these accounts. I am trying to rebuild my credit but havent been succesful, I ask that you please look into this and help me resolve this issue as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX {$7600.00} 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 2021-07-16
Company: BAM Management US Holdings Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, I have been using Binance.US ( otherwise known as BAM Trading Services, Inc. within the US ) to purchase cryptocurrency and encountered an issue where on XX/XX/21 I attempted 2 USD transfers via ACH from my FDIC insured bank account to my account with Binance.US. After waiting for 5 minutes for the transfer to go through, Binance.US reported that the transfer/deposit failed ( both attempts ). I then attempted to use my debit card linked to the same bank account to transfer funds. This transaction was also reported as failed by binance.us. By the way, Binance.US says that funds held as USD with them are FDIC insured.

As expected with the failed transactions, no USD funds were deposited into my Binance.US account. Okbad productbut no harm, no foulor so I thought. I logged into my bank account on XX/XX/21 and saw that it was debited by Binance.US for {$500.00} despite the failed transfers. I logged into Binance.US to check for the {$500.00}. Nothing. 

So in short : I was told the transfers failed, my bank account was charged anyways, but I never received the funds in my Binance.us account. 

I submitted a ticket/service request with Binance.USs customer support on XX/XX/21. They said that it usually takes 30 business days for an initial response ( which in itself is unacceptable ). I waited and waited and waited. No response. 

I resubmitted a ticket/service request on XX/XX/21 and waited two more weeks. I then took to other methods of contacting them ( they dont list a phone number ). I noticed they have an active XXXX page with a support request section where you can request to have your ticket escalated. I submitted a message in that section and received a response that my ticket was escalated around a month ago. After waiting another week of no response, I submitted a request again on XXXX with the same message of escalated ticket. 

On XX/XX/21 I received my first email from XXXX at binance.us customer support saying that they received my request and submitted a request to their payment provider for additional research. That was the last that I have heard from XXXX. On XX/XX/21 and XX/XX/21 I reached out to support again via XXXX. Same response. Yesterday I also attempted to contact them on XXXX. Received a similar escalated ticket response. 

I have copies of all communications and screenshots of my accounts/account statements. 

At this point the issue has been outstanding for 3 months. I am running out of options. The amount of time and effort I have put into this is worth more than the money and Im considering filing a lawsuit as this is now, in my mind, bordering on theft. Contacting CFPB is my last effort to get this resolved before going the legal route. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
IN SUMMARY : A STOP PAYMENT ON A REFINANCE CHECK WAS INITIATED DUE TO DIVORCE AND NONE OF THE LENDERS WHO HAVE HELD MY ACCOUNT CAN SHOW THAT A CHECK WAS EVER REISSUED YET I'VE BEEN PAYING A LOAN SET UP TO REPAY THE ADDITIONAL XXXX BORROWED WHEN REFINANCED. DITECH SAYS THEY SHOW CHECK WAS STOPPED, BUT NEVER REISSUED. 
LONG VERSION : BOUGHT HOUSE ON MY OWN IN XXXX. MARRIED AN HABITUAL CON-ARTIST IN XXXX. EARLY XXXX HE CONSTRUCTED THESE LIES THAT THE HEAT AND AIR WAS OUT AND NEEDED TO BE REPLACED ; HE HAD A BUDDY IN HEAT AND AIR WHO COULD REPLACE IT ; HE HAD TALKED TO DITECH WHO HELD MY ( MINE ALONE ) MORTGAGE AND DITECH SAID ( WHICH WAS NOT TRUE ) THAT THEY COULD NOT WORK WITH ME ALONE AS MY INCOME HAD DROPPED. EX HUSBAND GOT HIS NAME ON THE MORTGAGE, ( HE WAS A XXXX XXXX EMPLOYEE ) INTERCEPTED MY RECEIPT OF THE REFINANCE CHECK WHEN IT CAME THRU XXXX BRANCH ; SIGNED HIS NAME TO IT AS WELL AS MY NAME ; DEPOSITED IT INTO XXXX XXXX XXXX PERSONAL ACCT AND REFUSED ME ACCESS TO THE FUNDS. I IMMEDIATELY HAD A STOP PAYMENT ISSUED AND FILED FOR DIVORCE. HE SIGNED AND I FILED A QUIT CLAIM DEED. NONE OF THESE LENDERS CAN SHOW ME ANYTHING BUT A STOP PAYMENT ON THIS ONE CHECK ISSUED. NO REISSUE ; HOWEVER, I'VE BEEN PAYING ON A LOAN THAT INCLUDED XXXX I NEVER GOT.

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 2023-07-02
Company: Experian Information Solutions Inc.
State: LA
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:
Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX  APP is inaccurate incomplete and inconsistent because balance owed and payment history within 24 months are different with both XXXX and Experian I have sent in disputes requesting the CRAs to validate the information and delete the information that does NOT MEET THE FCRA REQUIREMENTS I HAVE SENT ALL CRAs a copy of what is being reported to all three of the CRAs and the only CRA that has complied with the FCRA laws and my right to a Fair accurate consistent and complete credit report was XXXX. They deleted the account due to the factual information being incomplete and inconsistent and inaccurate. I have been harassed at home at my place of business after sending a ceased and desist letter email and verbal warning to collect a debt that has NEVER BE FULL VERIFIED PROPERLY by both XXXX AND EXPERIAN and HAS ALLOWED THIS CREDITOR TO CONTINUE TO REPORT ILLEGAL INFORMATION PAYMENT HISTORY AND BALANCES WITHOUT DOING A PROPER INVESTIGATION BOTH CRAs has a known history to not properly complete a full investigation of what the creditor is reporting and I am a litigation consumer and I will seek legal action if this matter is not resolved. i am requesting that this item be DELETED PERMANENTLY Enclosed is documentation supporting my request : DISPUTE RESULTS FROM XXXX AND BOTH REPORTS AND BALANCES IN WHICH BOTH CRAs statements the balance was updated back in XX/XX/2023 FCRA Violation 15 U.S.C Sec 1681i ( a ) Consistency Accurate and complete information should only be report the the CRAs by law anything that is not consistent complete or inaccurate is to be PERMANENTLY DELETED 15 U.S.C Sec 1681i ( a ) THIS ACCOUNT IS IN VIOLATION OF THE LAW DELETED PERMANENTLY this negative item does not meet the FCRA Requirements Please reinvestigate this matter and delete the disputed item as soon as possible.

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 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



CLOSED ACCOUNT : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX 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 of 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 explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act 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

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 2020-12-03
Company: EQUIFAX, INC.
State: VI
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My citibank checking account was hacked by scammers on XX/XX/2023. They did numerous transfers and then some wires. 
I reported the fraud to Citibank within minutes but the fradulent wires had already gone out in the amounts of {$2000.00} and {$1900.00} to a XXXX XXXX at XXXX. I do not know this person and did not authorize these wires. 

Citi has recalled the wires but XXXX isnt't responding, of course because this bank has been engaged and fined for engaging in fradulanet accounts and transactions. 
Citi refuses to reimburse me for this fradulent wire activity. 

Citi 's authentication processes are woefully inadequate and there should have been many red flags sent up when these wires were done within seconds of each other to a suspect bank and as a customer for 40 years who never did any wires. 

Citi refuses to return these funds that the negligently allowed to be wired.

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 2023-11-29
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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

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