BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and was shocked to learn that ihave been a victim of identity theft.i found numerous accounts on my credit report that were not opened by me.this has been hurting me as i am in the process of purchasing a new home for me and my family, please remove all the fraudulent account from my credit report as soon as possible ......

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/ Balance : {$200000.00}

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 non-monetary relief
Consumer complaint received 2022-10-17
Company: Terrill Outsourcing Group
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Well it all happened in XXXX XXXX in a while back in 1993 me and my friend XXXX was at her she also stayed in XXXX XXXX so any way I forgot I had my social security card in my back pocket she seen it and didn't tell me so she keep it and she use it and before I now it I was getting a letter saying that I owe student loans and a car I don't have and a credit card I don't have so know she live here in XXXX fl and she is married and her is the same XXXX XXXX  you can look her up on XXXX I have not say anything to her about it so can You'll please help me with this I can't get my water in my name because I am going to move out of my sister house next year and I really need You'll to help me thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
This complaint is my follow-up to my previous complaint. These items are needed for deletion immediately and this complaint is to notify you to remove these items. 
XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2022-11-26
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
i was going thru a company XXXX XXXX to get help on making my payments so on XX/XX/XXXX i received a letter in the mail about my payments is said to sign the paper work so that way i can keep my house so i did send it back and so then i received a email from XXXX XXXX saying i got denied bc i was put on forbearance on my mortgage so i called and trying to find out whats going on no one could help me they are all being rude so i asked for a manager or a supervisor and i was told they dont get on the phones and talk to costumers i was trying to find out why i was told b/c i dont have a valid reason to talk to one this was on XX/XX/XXXX and so they finally transfer me to a manager his name was XXXX so then he said he will look in to this and get back to me before XXXX bc this was at XXXX in the morning so then i waited no calls at all till XX/XX/XXXX i received a call from XXXX she told me she was from lost mitigation and so i asked her who was the guy i talk to on Monday and then i hear hold music so i said ok ill wait so i did then she hu the phone so i called back at XXXX on XX/XX/XXXX and i spoke to the manager his name was XXXX so then i asked what happened to the call and did he ever find out who put me on forbearance and why was i put on that without anyone calling me and approving that he said oh i was sick o i left early. and then i asked him if he was a manager like he said he was he said no he is a sr rep i asked him why is he miss representing himself he said he is not manager and supervisors dont take any Calles and they won't talk to me i asked him i need to find out who put me on forbearance and why was i put on that if the XXXX XXXX was calling to make payments he said he does not know he has not got anything back i asked what did he do to get that he said nothing bc he was sick i then asked for a supervisor he said they dont have one and so i advised him then i will make sure they call me after i file this complaint and ended the call. and i attached the letter i got from XXXX XXXX bc someone put me on forbearance, and they won't help or pay anything bc of the forbearance on the acct till XXXX of XXXX that i never asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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: Old information reappears or never goes away

Complaint:
On XX/XX/2017, in XXXX XXXX County Court, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to FCO ( XXXX XXXX XXXXXXXX ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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: Personal information incorrect

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account and credit card were opened with Bank of America as a result of fraud. Called Bank of America on three different occasions to correct but continue to receive account statements about my checking 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 2023-03-06
Company: SYNCHRONY FINANCIAL
State: NM
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:
Care Credit by Synchrony bank. 
I was charged interest on the amount I had already paid in full because the payment didn't get applied to the correct balance in spite of my talking to the customer service and making payment as advised.Two supervisors I spoke to couldn't understand the problem and I waited over 90 minute to get answers. Finally over the chat session, another representative helped me. I am now waiting to get the charges 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 monetary relief
Consumer complaint received 2020-02-18
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My home mortgage company was transferred from XXXX to NewRez doing business as ShellPoint Mortgage Servicing. Through my bank electronic service bill pay I paid on XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00}, and XX/XX/XXXX {$1200.00}. The company charging me some kind of fee, they will not tell me why but for not being up to date and keep on harassing me with foreclosure when I have already had my bank forward all copies of payments and correspondence to their litigation department loss mitigation. Tried handling this matter over the phone and they continue to assert that I am not current on my payments and late. When I look on their loan website my payment history shows all the incorrect dates and is still not showing all of my payments and this is becoming a problem as they are now reporting this to the credit beauru and affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: FHA 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:
I refinanced my home loan with nationstar mortgage ( Mr Cooper now ) in XXXX. In XXXX of XXXX I received a letter from Nationstar saying they owed me a balance from this account. I completed the steps to have a check issued to me on XX/XX/XXXX. It is now XXXX and no check has ever been mailed. I made multiple good faith attempts to resolve the issue with phone calls and chat but nationstar would not allow me to get in line to speak with a person due to " high call volume ''. I submitted a ticket describing this issue and the response was " reach out to the state to regain unclaimed funds ''. These instructions are insufficient as well as misleading. The funds were claimed by me in a timely manner from the date notification was received. Refusing to contact or assist me when money is owed does not seem like it is legal. I hope this complaint will motivate them to explain where the money they owe me has gone and get them to submit payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: U.S. Auto Credit Corporation
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX USAUTOCREDT XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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 called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, Passport ID and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.

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 2023-04-07
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following FST XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX XXXX XXXX, MD 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 2022-10-17
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had taken out payday loans from this lender and paid in full before the final payment installment. On XX/XX/XXXX, I was sent this promotional offer via email : The Promotional Offer ( 4 Interest Free Payment Offer : " As a valued returning customer, you qualified this month for a special promotional offer. Apply today 4 no - interest payments when you make 8 successful regular payments on your next loan. Apply before the end of the business on XXXX XXXX to take advantage of the savings! Apply online by XX/XX/XXXX to receive this exclusive offer! *Only valid on 12 - payment installment loans. 

This was the main reason why I took out this loan and in addition my common-law husband was waiting for his disability payments to come in as he undergoing XXXX treatments. In addition, since I was self-employed, I had taken out this loan to handle operating expenses for my business Had I known about Lendumo bait and switch tactics, I would not have bothered to take out the loan. As scheduled all payments posted to my account as agreed. 

I made a total of 8 payments of XXXX from XX/XX/XXXX through XX/XX/XXXX. Followed by a payment of XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; and XXXX on XX/XX/XXXX. On Monday, XX/XX/XXXX, I received a notice from my checking account that my Lendumo account was closed and that an additional payment of XXXX would not be processed. Lendumo tried to circumvent this transaction and tried to deposit an amount of {$350.00} which XXXX advised me to place a stop payment on this transaction. There is currently a lawsuit which involves Lendumo, so of course, XXXX will not honor any payments from them. Lendumo, on the other hand, put my account in collections and harassed and threatened me in several emails for the next couple of days until I sent them a cease and desist email in which I told them I'm considering filing a lawsuit for the harassment. They wanted me to make a money order which I could not do anyway because I would have to make the money order from my XXXX checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am appalled at their continued unethical, immoral attempts to collect alleged amounts of a debt that we have discussed for 15 years and I dont believe I owe and cant pay. I have applied for forgiveness so we are waiting. They know all of this. It has been a while then today on XXXX XXXX I received a threatening letter. 

Any debt I owe is due to them misguiding me and they admitted years ago I should have filled out different paperwork. 

They were only to send emails no phone calls and no letters.this is documented and they always have my correct email. 

So they broke the agreement and I believe that means I do not have to make any further efforts. I filed a report with XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: MA
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 all account list below, has violated my rights. 

Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXXXXXXX**** Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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