BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Two accounts ending in XXXX and XXXX, have incorrectly listed dates of when they became past due. Due to the failure of the University of XXXX, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX a representative of the University of XXXX, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in XXXX was XX/XX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XX/XX/XXXX reported to the consumer agencies. XXXX establishes that the date of XX/XX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in XXXX XXXX establishes that as the guarantor of the loan the University of XXXX purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XX/XX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XX/XX/XXXX, seven years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the University states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: SERVICEMAC, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
We purchased my home, which we closed in XX/XX/2023. Our first payment was due XX/XX/2023. The initial company our mortgage was financed through was XXXX XXXX, which we made payments as follows XXXX XXXX XXXX {$3200.00} XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment As of XX/XX/XXXX, we received a notice from XXXX XXXX stating that our mortgage was transferred to ServiceMac. They also stated that as of our XXXX payment, it should be made to ServiceMac. 

As of XX/XX/2023, a payment was sent to ServiceMac. See payment below : Service Mac LLC XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Payment As of today, an email was received stating that we did not make our XX/XX/2023 payment and they are stating that the payment is past due 18 days. They are also referencing that our payment amount is {$3400.00}. Not only are they saying that we have not made our payment, but they are referencing the incorrect payment amount according to our loan terms. It seems like since they transferred our loan to this new company, they are trying to do fraudulent things. I would appreciate if you can resolve the matter. Thanks

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 2017-03-31
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I authorized XXXX XXXX XXXX to make a inquiry on my credit file. The dealership auctioned my car loan out to several financial institutes without my approval. My credit report dropped XXXX points in less that 2 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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 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 2017-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
When credit bureau XXXX and transunion are pulled by lenders XXXX is my credit score. I have more than 10 year 's of established credit. Also, for some time now XXXX states that credit files split into two with that beingvsaid I have missing positive information on only my XXXX. I spoke to the office of consumer affairs and they advised me the credit splitting and not reporting years of established credit is an error with their database. Why should their error be at my expense?

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 2023-04-29
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 Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX Has all violated my rights.

15 US C 1681 section 602 A states I have the right to privacy 15 US C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have tried to remove serval accounts that are not mine. I am also having problems with my XXXX  sisters accounts posting on my reports as well.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 non-monetary relief
Consumer complaint received 2019-11-19
Company: Firstsource Business Process Services, LLC
State: MO
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: Problem with personal statement of dispute

Complaint:
I disputed 2 accounts on my credit report with XXXX XXXX and they were deleted, however it was reinserted on my credit file The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified. the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. 
the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). The accounts in question is as followed XXXX Account number XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXAlso XXXX there is an account that was previously deleted and re added One Advantage that I would like a certificate of accurancy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Social security expose the individuals have access to my accounts and medical records mortgage

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 2022-04-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a victim of a scam involving funds taken out of my bank account via a wire transfer.This occurred on XXXX. A third party contacted me about previous charge on my XXXX then told me that the IRS was asking this company to refund consumers. That being said the third party wire transferred what I thought was just the amount of the charge {$570.00}. It was for {$57000.00}. I checked my online bank account and the funds were there-third person instructed me to go to my bank and ask for the funds to be reversed back to them. I was told to tell the bank rep to reverse wire the funds citing " Clerical Error ''. The bank rep complied-never asking any questions. The third party, again wired me {$54000.00} to which I was then instructed to go to another branch of my bank and have the funds reverse wired back. Again back to another branch to have funds reversed, bank teller complied. This person, he called himself XXXX, has now been calling me incessantly that I have now had to contact the local police department and others. My bank account has now been hacked for approximately {$100000.00}. I have now closed all my bank accounts.

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 2023-05-30
Company: EQUIFAX, INC.
State: GA
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:
After carefully monitoring my credit reports the last serval months I notice this account is reporting to all three credit bureaus, the Account name is XXXX. 

In accordance with fair credit Reporting act XXXX XXXX have violated my rights. 

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B A creditor may not treat a payment on a credit card account under law as open end consumer credit plan as late payment. 

I have contacted all three credit bureaus that are reporting, and ask them to validate this account, and that has not happen. I have been sending letter since XX/XX/XXXX. 

I have contacted the company, trying to dispute this information and they do not have a place really to call to dispute the information. They took the information from that I have no knowledge of this account and could they send me proof that I am the owner of this account and they have failed to send out the necessary information or remove this file from my credit files. 

Equifax and XXXX are reporting this card with a late payment in XX/XX/XXXX then it was closed right after. XXXX is reporting this account as in good standing never late, this is in accurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NC
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 AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

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 XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX : XXXX, Account name : XXXX  # : XXXX, Account name : XXXX BANK # XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX Account name : DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account name : XXXX has violated my rights. Section 611 of the FCRA ( 15 U.S.C 1681i ) 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 ) Section 623 ( a ) ( 4 ) Section 607 B of FRCA. 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 2023-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account for no reason at all out of the blue in 2021 with money in there I got no explanation or money back same thing happened with XXXX.and XXXX that account was fine until it struck negative while I wasnt working due to personal injury ( hit and injured in a XXXX car I was passenger in at the timeXXXX coles my account in less than 30 days .and also with the XXXX XXXX XXXX I followed the co law of habitability and it failed me.got me tossed aside I submitted a complaint with code enforcement they came did nothing even though they seen n documented it being there and the fact it had no windows and is on a second floor .none on second or third floor of that complex has windows

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 2023-03-16
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, they are are not presenting and account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under 15 USC 1681.

Section 602 states I have the right to privacy 15 USC 1681, Section 6O4A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666-B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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: AZ
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:
I'll never live at the following addresses this is all incorrectXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I'll not be employed by this employer : XXXX XXXX XXXX XXXX XXXX the following inquiries are unauthorized user : 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 2023-04-05
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On two occasions ( XX/XX/2023 and XX/XX/2023 ) I have applied for credit with XXXX XXXX XXXX XXXX, and despite having excellent credit, both have been denied claiming that they have NOT been able to obtain my Credit report with Equifax. I also applied for credit with XXXX XXXX ( XX/XX/2023 ) and was also denied claiming they couldn't get my credit report with Equifax either. This serious error or discriminatory act on the part of Equifax has caused me great suffering because I needed to purchase construction materials for the renovation of my residence. My credit score at the time of application was over 800 points. 

XXXX XXXX XXXX XXXX ( XXXX ) was again very irresponsible in pointing out again that I had several derogatory events on my credit history. The real reason should have been that they couldn't access my credit report, but to get out of trouble for the second time, they tell me as the reason that I have several derogatory events on my report, which is TOTALLY FALSE. My credit score is over 800, my credit history is excellent, and I have NEVER had any derogatory events on my credit record.

Company response to consumer: Closed with explanation