BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Subject : Unauthorized Reporting and Request for Correction of Credit Information Dear TransUnion, I hope this letter finds you well. I am writing to express my concern regarding unauthorized reporting and the inclusion of a new address on my credit profile. Upon reviewing my credit report, I noticed that you have added an address without my explicit consent, and my new auto loan is being reported without proper authorization.

I would like to draw your attention to the following legal references that support my request for rectification : 1. **15 USC 6801-6808 - Duty to Keep Financial Information Private and Opt Out of Reporting : ** This statute emphasizes the duty to maintain the privacy of financial information and the consumer 's right to opt out of certain information sharing practices.

2. **15 USC 1681 - Accuracy of Report : ** This section of the law pertains to the accuracy and fairness of credit reporting, emphasizing the responsibility of credit reporting agencies to ensure that information is reported accurately.

3. **Privacy Act of 1974 : ** This federal law establishes principles for the fair handling of personal information by federal agencies. I believe the unauthorized addition of an address and reporting of my auto loan may violate the privacy principles outlined in this act.

Per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 6802, I hereby notify you that I am opting out of any and all authorization, whether written, non-written, verbal, or non-verbal, that I may have given you as the consumer. I assert my right to control the dissemination of my financial information, as outlined in the aforementioned statutes. 

I kindly request your prompt investigation into this matter and the immediate correction of my credit information to reflect accurate and authorized details. I appreciate your attention to this issue and expect your timely response.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-09-18
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a company that says i have had an account with them since XX/XX/2023 and owe them {$660.00} and I have no idea what it is. I never do anything with my credit so i know i should not have any debt on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act Convergent, Account:XXXX, Creditor : 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 an account without my written instructions.

This account is fraudulent account, I did not open any account with this company.

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 2018-09-01
Company: Experian Information Solutions 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 have called and i have sent certified letters to Experian all with return reciepts as proof of delivery. 
I reached out to Experian about a fraud address on my report. They did an investigation and removed the fraud address from my report. 
When they removed the fraudulent address from my credit file they should have also remove the fraudulent account associated with that address. 
XXXX is not my account. ( past due180 days ) ( {$7200.00} is not my account ) This account was not open by me or anyone i know. 
( NO OTHER CRA IS REPORTING THIS AFTER THEY DID AN INVESTIGATION ONLY EXPERIAN. XXXX REMOVED IT, XXXX REMOVED IT. THEY DID A PROPER INVESTIGATION. ) I will be filing a law suite against Experian and will be seeking damages for all of the pain and expences that Experian has caused me and my family and for not doing a proper investigation into the matter. 
When i ask that you investigate an account and you just simply verify the account with the creditor and consider that a proper investigation, then you are very wrong. 
I will be giving you one more opportunity to do a proper investigation before i file suite in my county and state against you.

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 2023-09-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
All documents for the short sale review were sent on XX/XX/20 to Shellpoint Mortgage Servicing and they confirmed on XX/XX/20 that they received them. Then on XX/XX/20, the point of contact ( XXXX XXXX ) confirmed that an appraisal has been ordered on XX/XX/20. On XX/XX/20 I spoke to the appraiser XXXX XXXX and he confirmed that the appraisal was conducted on XX/XX/XXXX and it was uploaded to the VA system on XX/XX/XXXX. The appraiser said that he spoke to the seller and was able to gain access to the property. So I asked the point of contact ( XXXX XXXX ) from Shellpoint Mortgage Servicing if the appraisal has returned and he said on XX/XX/20 that they are waiting for the appraisal report to be completed and uploaded on their end and to allow a few more business days. The point of contact ( XXXX XXXX ) rarely responds to our inquiry and he always, always responds after business hours. I can't even get an update by calling Shellpoint Mortgage Servicing because they will just refer us to the point of contact ( XXXX XXXX ) for updates. We can't imagine that the process for an appraisal can take almost a month to be complete. We are greatly concerned because we don't want the buyer to walk away because of this delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loancare has No help in place for their customers during this Covid 19 times they advertise on their front page thers help but all there is a Forebearance which demands full payment of owed amount after the period of forbearance which is NO help if one isn't working because of mandortary shut down by the state and government and we dont have an income how will we be able to pay back XXXX XXXX in 3-6 months most other banks is offering Deferment which is helpful and makes sense. 
SOMEONE PLEASE HELP I DONT WANT TO LOSE MY HOME due to this epidemic I been through it ALREADY IN 2008 I have called them and to no avail

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 2023-09-17
Company: Monarch Recovery Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Client Services was trying to collect on this same debt, now Monarch Recovery Management Inc is trying to collect.

Neither provided no proof of the debt, but instead made a settlement options.

1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement.

2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor.

3 ) .Proof that you are license to collect this debt in the state of Texas .

4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct.

5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor.

6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off.

7 ) .Please provide proof that you have not purchased the alleged debt.

8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Before paying my bill on my Capital One app I saw a transaction that I did not recognize. I called and disputed the amount immediately. While on the phone with representative I was asked for the card number and that's when I realized the card wasn't in my possession. The representative told me not to worry that they would cancel the card so no new charges would occur. I was given a credit until an investigation was done. After about a week I received a letter in the mail stating that information Capital One discovered lead them to believe that myself or another account user benefited from the transaction. I called them immediately to dispute their findings. I asked what their findings were and they pretty much told me, I did this and I have to pay for it. They said someone bought XXXX tickets to a XXXX XXXX ( whatever that is ) and the tickets were sent to my email. I had not received any tickets and furthermore because of religious reasons, I didn't celebrate XXXX. I asked could a more in-depth investigation be done and I was pretty much told they couldn't help me. They also had no information on this company besides a support email address. I told them that it was not fair to me as a customer and the ball had definitely been dropped. They sent me a letter stating that Capital One has a {$0.00} fraud liability promise and that they would protect and resolve my account but that didn't happen. I have been left responsible for charges I didn't make and it's outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: SUN LOAN COMPANY INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After telling Sun loan of my identity theft problems and showing the necessary documentation I was disregarded and not taken seriously. This will be my third attempt to have this account removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Accounts Under America First Were Opened Fradulently without my knowledge. They continuously disregard my disputes and documents filed with the authorities and I want this matter handled immediately. I am now in XXXX because of their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XX/XX/2021 XXXX XXXX XXXX XXXX closed my account and turned account over to a law firm for collection in XX/XX/2021. I have been dealing with this law firm regarding this debt which XXXX XXXX XXXX XXXX now does not own. Under the FCRA two establishments can not collect for the same debt. A major violation of the FCRA. I have disputed this account with the three major credit agencies and did not get the results or relief sorted. I am now at the mercy of the CFPB to hold not only the agencies to the law of FCRA but XXXX XXXX XXXX XXXX to delete or remove this debt from my credit profile since they no longer own this debt.

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 2020-03-31
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ONCE AGAIN I.C. SYSTEMS IGNORED CEAES AND DESIST NOTICES AND CEASE COLLECTION AND CALLING MY DAD CELL NO.XXXX 13 TIMES AND SHOWS UP 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 2019-01-23
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello cfpb, My mortgage has been with CitiMortgage since XX/XX/XXXX & I received a joint letter dated XX/XX/XXXX, from CitiMortgage & XXXX XXXX, stating my mortgage had been sold & to start sending payments to XXXX XXXX, beginning XX/XX/XXXX, which is less than 2 weeks from the date of the letter.

My complaint is regarding the unprofessional manner I was advised of this sale And who they sold it to.

XXXX XXXX has the most negative reviews for a business that Ive ever seen. Every review about them is negative - not one single positive review.

I am asking cfpd to investigate why they - XXXX XXXX- are still in business & if CitiMorgage can legally advise me of selling my mortgage with this short time-frame notice.

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 2023-09-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX My first Social Security check for {$970.00} was sent to a closed account at Chase bank, that I closed due to fraud activity on the checking account ending in XXXX. 
Chase bank kept the funds and never refunded me, due to a balance that was from the fraudulent activity. Social Security sent the funds to the wrong account. Chase bank refused to release the funds back to me, knowing I filed with them my account was closed due to this activity. 

On XX/XX/XXXX, Social Security, once again, sent the funds of {$1000.00} to Chase bank, in which they took {$220.00}, from my Social security, stating that, there was a past due balance on the account, and sent me a check for {$830.00}, without any reason for the deduction, and refuse to send me the funds. 

It is my understanding, that Social security is a Proctective payment from any creditors and debt collectors as long you receive them via direct deposit to your bank account. per SSR 79-4 Section 207, 452 ( b ) ,459 and 462 ( f ) ( 42 U.S.C 407,652 ( b ), Levy and Garnishment of Benefits. I never was sued or had a court order for payment of any balances owed to Chase bank. This action came from Chase bank collection department.

I am seeking {$1200.00} to be return to me immediately, and punitive damages of the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Company won't acknowledge dispute.

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Company won't acknowledge dispute.

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 2023-04-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX, Account:XXXX, Creditor : 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 an account without my written instructions.

This account is fraudulent account, I did not open any account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I noticed that a collections account was added to my credit report. This account was closed in XXXX and the last payment is listed as XXXX, yet a collection account is still showing On my credit report. I have contacted the lender as well as TransUnion but TransUnion currently has another non compliance issue in which they are manually investigating a dispute and although it has been over 30 days that existing dispute bars me from submitting another dispute to get this erroneous account removed.

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 2022-03-03
Company: AES/PHEAA
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:
On XX/XX/2022, XXXX refused to correct my current score with them back to pre-student loan debt transfer. It is not my fault I should be punished for something FedloaXXXX and XXXX did when reporting their transfer. I did not abruptly pay all my debt off and get myself into debt again. XXXX corrected my score when they first mistakenly added double my debt. There is absolutely no excuse for their refusal to say there is nothing they can do about it regarding interpreting the debt transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
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: Their investigation did not fix an error on your report

Complaint:
I sent off dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2018.I did get results back, however, there are still things on my report that do not belong to me they are still reporting! This is effecting my life and I need them to send original signiture pages from each debt collection company that claims I owe them. Also, they are violating the FRCA regulations by reporting items they are not suppose to with out proof of verification. I also need them to delete all addresses except XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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