BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$510.00} XXXX & XXXX XXXX XXXX Creditor : XXXX  ) XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$620.00} 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 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 2022-07-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights by reporting an inaccurate late payment. This was also during the XXXX pandemic. And should be removed not only because of the violation of FCRA privacy and consumer laws, but also because of the CARES ACT provisions for consumers. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2020-06-16
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:
In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several closed student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. This is a direct violation of the FCRA. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.

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 2023-08-14
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: Account status 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 a. Stateside have the right to privacy 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish a accout without my written consent.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any report containing any of the following. Items of information any other adverse items of information. Other than records of convictions of crimes which out dates the report by more than 7 years.

15 USC 1681s 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows

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 2022-07-22
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-10-11
Company: Filo Mortgage, L.L.C.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
I was processing a loan with FILO MORTGAGE. I had a preapproval with Filo and I have locked my rate. Lock Date was XX/XX/2023 with Expiration of XX/XX/2023 with maximum discount points to be Paid : {$1000.00}. During underwriting process this company was asking me to pay {$2200.00}. So I raised my concern to the loan officer, he agreed my valid concern and he informed his management several times to adjust that fee. Fuinbally he suggested to write an email to the CEO so that it gets solved. I have written an email to their CEO including the proof ( rate lock document ). CEO never replied to my email.

To complete the house buying process due to short inventory of the house I was forced to close the loan with their imposed fee. 

Also Due to their communication issue my attorney charged {$150.00} ( {$650.00} instead of {$500.00} ) more as the underwriter helping lady and loan officer was providing different answers to the attorney which took more time from attorney and I was charged additional {$150.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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 2021-05-11
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Capio Partners to dispute validity of a debt from a hospital ER visit, I was referred by a representative at Capio partners to send them a email I emailed them on XX/XX/2021 I received a letter on XX/XX/2021 from Capio Partners with documents an intemized bill that contained my personal health information that was illegally obtained by Capio Partners I never signed a HIPAA release form for them to obtain my information with them or with the hospital XXXX XXXX XXXX XXXX I believe they are in a direct violation of HIPAA laws. I also have reason to believe that XXXX XXXX XXXX XXXX is also in direct violation of HIPAA by providing this information to Capio Partners without my written consent via HIPAA release form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2023-04-05
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
This is regarding a reverse mortgage taken by my parents in XXXX. They are both now deceased and their home is in pre-foreclosure status. It appears that PHH Mortgage is the current lienholder under loan # XXXX On XX/XX/XXXX I was served with an Amended Complaint in an action filed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under a Foreclosure Case # XXXX in the action entitled Nationstar Mortgage LLC v. " Unknown Heirs ... Marie Bambino et al. The pleadings filed with the court and verified by XXXX XXXX XXXX XXXX for the Mortgage Corporation state that {$220000.00} is due and owing on principal on the Note and Mortgage plus interest, etc. 

Subsequently I received a payoff statement in excess of {$370000.00}. This figure is in excess of {$140000.00} as stated in the pleadings filed with the Court.

To protect my rights as a beneficiary of my parents ' property I was forced to hire an attorney to defend this action. My attorneys have sought a breakdown of this sum claimed due and the mortgage company and their attorneys have failed to provide this information. 

I have written to the mortgage company directly requesting this itemization and my correspondence hasn't even been acknowledged by the mortgage company although I did receive a read receipt timestamped from the country of XXXX. 

I would like to preserve the estate and sell this property but absent the requested information, we can not proceed. Forcing me and the mortgage company to continue to incur attorneys fees for a failure to provide information needed is unfair and unjust. I am filing this complaint hoping that the CFPB will force the mortgage company to disclose the breakdown on the payoff and explain a discrepancy in excess of {$140000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ever since I had my account with Chase I write myself a check from my XXXX XXXX XXXX account to transfer money into chase. They returned my check as you can see in the attachments but took the XXXX} out of my XXXX account and never deposited it into my Chase account. I have called their customer service center over 10 times I have been going back and forth with them for 10 days now. I also went into the Chase branch and an employee told me if it is not resolved to contact him on Friday and he would do the footwork for me. I contacted him today and he directed me to the same XXXX number that I have already called multiple times. I verified with XXXX  that they cleared my check and debited my account for the XXXX}. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
genesis credit management XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX  XXXX XX/XX/XXXX chargeoff/closed XXXX  XXXX XX/XX/XXXX chargeoff/closed XXXX XXXX XXXX XXXX XX/XX/XXXX charge off/closed XXXX  XXXX {$600.00} closed and report negative after reviewing my credit profile today .i identified a discrepancy with these accounts listed under XXXX XXXX and validation was requested as this was an account i didn't recognize, i reviewed my credit report and its still reflecting on my credit report. I have not received my correspondence from creditor to validate these accounts as correctly belonging to me. nor has my credit report been updated to reflect that this account is disputed. this account is negatively affecting me.im not able to get loan to try to get house for me and my family. Under fair debit collection practice act ( FRCA ) ( 15USC 1692g ) stating my claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
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:
I settled an account for XXXX XXXX with XXXX XXXX XXXX. I have attached a copy of that settlement. I disputed this with all three bureaus and they did not remove the balance on the account. This is a violation of my rights under the Fair Credit Reporting Act. 

XXXX account number 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 2020-06-16
Company: WELLS FARGO & COMPANY
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was being financially scammed and fraud between XXXX to XXXX. My personal identity being a fraud in many fraudulent bank accounts in the U.S. which involved big scammers groups. 
Myself, my family, and my friends being scammed for over {$200000.00}, the scammers involving in job and housing providers. And I already had police reports and other reports at the state and federal levels, and criminals would be injustice one day. 
Criminals applied a load in Wells Fargo bank account online, I did not apply this load. 
At the beginning of XXXX, I was frustrated with dealing with many fraudulent bank accounts, and I paid two months ' payment for this load. The police officer told me the case investigation will take some time, so I stopped payment and tried to contact with Wellsfargo bank. 

Police report case # XXXX Police investigator : Mr. XXXX, phone : XXXX Federal Trade Commission case # : XXXX Police investigated 6 criminals and 3 criminals bank accounts. 

One of criminal has a WellsFargo Bank account. 
Account Name : XXXX XXXX Account Number : XXXX Swift Code : XXXX Routing Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX I deposited money into this criminal bank account, I hope WellsFargo help the police and Federal Consumer Bureau investigate this account. 

The fraudulent loan account ending in XXXX I request Wellsfargo investigate this fraudulent loan application and refund the payment that I already did in XXXX and 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 monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation