BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 filed five complaints with Transunion because they are mixing me up with my father. His credit card keeps showing on my credit file and I want to get it removed. We share the same first name but our last names are different and we share the same address. My first complaint filed to them was some time back in XXXX. My following complaints were XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and I believe XX/XX/XXXX I also made a complaint to them over the phone. I try to contact XXXX XXXX but when I tell them about the situation I get told that there isn't a card registered to my SSN and that I should take it up with a credit bureau. I am confused because if XXXX XXXX is telling me a card doesn't exist under my identity why does Transunion insist that it does. I do not understand how Transunion thinks the card belongs to me when I have filed so many complaints to them even going as far as to send them a photo of our IDs next to our respected cards to prove that the card does not belong 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 explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: NV
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:
The credit bureau 's are illegally reporting inaccurate information on 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 2023-03-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Every since Select Portfolio Servicing became my mortgage Server in XXXX, It has been nothing but harassment. In the past, I have had issues with Select Portfolio Servicing, Not sending me, my end of the year statement. Select Portfolio Servicing deliberately mail out mortgage statements late. So they can charge fees. Today is XX/XX/XXXX and I have not received my mortgage statement. This is their method of operation. I have never paid my payment late. But Select Portfolio Servicing will withhold my payments to claim they were late. In the past I called and received racial slurs from customers service. This is a violation of my civil rights, it is harassment. Select Portfolio Servicing is committing criminal acts. I have a Paper trail of Deceit from Select Portfolio Servicing. They sent fraudulent documents in the mail, in which my name and initials had been copied and pasted to illegal, fraudulent documents, Even my name had been forged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2020-10-01
Company: Diverse Funding Associates LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I found out I am being sued because I have been receiving advertisement by law firms stating that I am being sued by a company called DNF Associates llc I have contacted them and was referred to another company and phone number where no one answers I have faxed them called them, and emailed them and to date I do not know who is suing me, or why. No one has informed me, or never contacted me as to who they are, and what the debt is for or how much is owed. I believe prior to submitting a lawsuit against me I had the right to know what the debt is for how much, and if the debt is mine try to make a payment arrangement. What they have done is unfair, and the only way I was able to find out about it is through advertisement The phone number I keep trying to call the one listed on their lawsuit is XXXX, and there is never an answer

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 2018-05-15
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX my husband and I visited an XXXX at the XXXX XXXX XXXX  in Texas. We put {$50.00} on her account. We paid an additional {$4.00} for the transaction for a total of {$54.00}. When we got the credit card bill today from First National Bank Omaha XXXX, there was a charge of {$29.00} and a fee of {$15.00}. So the XXXX  only received {$29.00} of a {$54.00} transaction. That adds up to {$44.00} ( {$29.00} + {$15.00} ) in the first place, so where is the missing {$6.00}? But the {$15.00} fee is outrageous and you are not warned, except in the vaguest of language, that this might occur. I would have expected maybe a small fee on top of the {$54.00}, but not basically clipping people for {$15.00} and then a {$1.00} interest charge!!! And where did that extra dollar go -- seems fishy. On top of that there is a minimum interest fee {$1.00}, even though the bill is not due until 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 explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: MI
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:
I sent a certified mail to Experian and attached some additional documents. 

Experian ignored this letter and dements attached and therefore refuses to comply with my request. 

Experian pretends that the letter was not sent BY ME. THAT IS NOT CORRECT. 

Part of the problems and reason why I had sent a letter is BECAUSE THEY HAVE WRONG INFORMATIONS ABOUT LY IDENTITY AND THIS MLUST BE UPDATED. 

Part of the PROBLEM IS THAT THEY SHOW CURRENT INFORMATIONS INCLUDING LEGAL NAME AS FORMER NAME and MY CURRENT ADDRESS IS A FORMER ADDRESS See the letter attached.

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 2020-10-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was not late on these accounts and XXXX, Experian, XXXX, and XXXX  has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX I have attached the certified letter that was sent to all the parties mentioned.

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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was hospitalized in XX/XX/2023 for having a XXXX, I submitted a XXXX letter to the company asking them to help me ( not to report a late payment ). I made a payment on my account immediately when I got access to a computer. I just need some patience due to my situation. I usually make my payment on time.

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 2023-04-19
Company: OPTUM BANK, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is in reference to my inability to access my XXXX XXXX Account. I also have a XXXX XXXX Account with this same company, Optum Bank. I started calling in XXXX when my XXXX was being funded. That appeared online in XXXX, but I no longer can see my XXXX. I have called numerous times and submitted trouble tickets. I received a secure message from Optum Bank telling me the XXXX routed the ticket to the wrong department and that I should call them back and tell them to resubmit it to the correct dept! I did do that. I called back later to check the status, and the XXXX, with a crying baby in the background, simply told me to call back in 3 business days! Yesterday I called back and was told that the ticket had been resubmitted, but was then closed with a note saying No hold on this account. Case closed. In the meantime, I can not access my tax forms nor can I get access to my money. After being on hold for XXXX hour and XXXX XXXX minutes yesterday, the XXXX gave me her email address and suggested I send her an email in a couple of days to have her check if there was any updates! I sent an email to XXXX per instructions on their website, but have had no response. 

I have been told by a few different CSRs that there can not be more than XXXX account with the same social security number. My response is always the same I have XXXX XXXX and XXXX different accounts. I have had these XXXX accounts for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-08-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021 to current XXXX i owed XXXX XXXX XXXXt that amount went to collections with lvnv fund i paid lvnv fund they removed from my collections but web bank didn't they still have on my credit report won't remove won't update that was paid won't do anything per agreement that i pay it would be removed but i have called emailed disputed nothing changes then i called XXXX they said it would be removed it was to be removed in XXXX but they would make sure was removed still won't remove or update no matter how much i dispute it's illegal that they don't update that i paid as agreed or remove like they promised

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
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 Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX ; Account number : 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 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 2020-10-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
These two charges appeared on my account as pending one was for {$150.00} and the other was for {$500.00}. I contacted the Fraud Department immediately upon noticing these two transactions pending on my account which were as follows : XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX* XXXX XXXX XXXX CA XXXX XXXX  XXXX {$150.00} XX/XX/XXXX XXXX  TO XXXX XXXX ON XX/XX/XXXX REF # XXXX {$500.00} I was told by the Fraud Department I needed to change my account number and go into a branch. They would investigate and the money would be returned to my account as these transactions were not authorized or done by me. On XX/XX/XXXX, a final credit of {$150.00} was given to me but nothing on the {$500.00}. I called to see where my {$500.00} credit was prior to opening todays mail with a letter stating I made the transaction or someone who had my authorization did it and I was not going to receive my money. 
Please be advised I have had my account for approximately 29 years through XXXX then Wells Fargo. I recently put the Wells Fargo app on my cellphone only to get access codes for my XXXXyear-old son, XXXX, to withdraw money. At no point in time have I ever signed up for a XXXX account or know a XXXX XXXX. I am extremely upset as this is not chump change this is {$500.00} someone hacked into my account and fraudulently took money from me. I notified the FBI with regards to these transactions as well. I have since deleted the Wells Fargo app from my phone and am still awaiting my appointment with the XXXX store to review my cellphone. 
I would appreciate all your assistance in this matter and am willing to have prosecuted whoever hacked my account. All I want is {$500.00} to be credited back to my account.

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 2022-04-05
Company: MORTGAGE FIRM, INC., THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was referred a loan from another XXXX XXXX from Georgia. The loan officer name is XXXX XXXX and her nmls id is XXXX. 
XXXX referred me a loan for XXXX XXXX - property address XXXX XXXX XXXX XXXX XXXX GA. This was a purchase loan. I got the loan approved and we closed the loan. After a month I get a letter from attorney for XXXX XXXX  stating the loan had fraud bank statements and XXXX bank verified that the statements and the details/deposits did not belong to the borrower. 
The borrower couldnt understand English and XXXX was helping us communicate as the translator over the phone. All documents provided were through XXXX email. 
The bank asked me to refinance the loan but they cut all the ties with me. XXXX was the main lender I was working with. The borrower or the loan officer provided fraud documents to close this loan and I have ruined my relationship with the lender as I was cut off from doing business with them. I have all the proof that I did not do any fraud and I have all the chain of emails. The details on the bank statements were done so perfectly that I couldnt rectify as those were fraud, I want to report this against the loan officer and the borrower. I wasnt sure who did it but I want to report this so things like this doesnt happen in future with others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: Foris DAX, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Been trying to make a withdrawal from my account. Can't get in contact with no one. And my money is just sitting and I can '' t get it out my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions 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 with you has been compromised. I was going through my records & noticed many files 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 accounts which is found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX  XXXX Date opened XX/XX/2019 Balance : {$0.00} XXXX XXXXXXXX Date opened XX/XX/2019 Balance : {$0.00}

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 explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Late Payments Are Not Authorized To Be On My Report no written authorization was given XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 





However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation