BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have a disputed account with furnisher XXXX XXXX XXXX XXXX I closed my account voluntarily on the phone with its agent XXXX and my XXXX credit report of XX/XX/XXXX correctly lists the account as Account Closed at Consumers Request. Moreover, I received the attached notice from XXXX XXXX stating that your XXXX XXXX XXXX account on your XXXX credit report was recently listed as closed Based on your credit report information from XXXX as reported on XX/XX/XXXX. However, despite the fact that my account was admittedly reported as CLOSED on XXXX, on XX/XX/XXXX, furnisher and XXXX wrongfully changed the reporting of my account to OPEN and my closed account is frivolously now reported as open as of XX/XX/XXXX to XXXX and Trans Union. The CFPB warned every CRA and all furnishers about the need to have interval controls to prevent this and other kinds of Facially False Data ( closed accounts later being reported as open )..

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 2023-11-27
Company: EQUIFAX, INC.
State: AL
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:
Account name XXXX XXXX XXXX XXXX Dispute of Information Pursuant to 15 U.S. Code 1640A I am writing to formally dispute certain information reported by your organization, as allowed under the provisions of 15 U.S. Code 1640A. I have recently reviewed my credit report and identified discrepancies that I believe require immediate attention and correction.

The inaccuracies I would like to dispute are as follows : [ I need the account name, address, account number & any other documents you can receive. ] I need the account name, address, account number & any other documents you can receive/provide I request that you investigate these discrepancies and correct any errors in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1640A, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice and provide me with the results of your investigation. 

Additionally, I would like to request that you notify all credit reporting agencies that have received this erroneous information from your organization so that they can update my credit report accordingly. This step is crucial to ensure that my creditworthiness is accurately represented. 

Please acknowledge the receipt of this dispute letter within XXXX business days and provide me with a written confirmation of your investigation 's commencement. I can be reached at [ XXXX ] or [ XXXX ] to discuss any further details or provide additional information as needed.

Failure to comply with the FCRA 's dispute resolution process may result in legal action, as provided for under 15 U.S. Code 1640A.

Thank you for your prompt attention to this matter. I expect a timely and thorough investigation into these discrepancies and the correction of my credit report in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: SC
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:
Per Family Educational Rights and Privacy Act my student loan payment history is not suppose to be reported to any 3rd party and it has. I also have not got any disclosure per each reporting for me to opt out of the reporting per 15 USC 6802. Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am victim of a landlord scam. I man posed as being an owner of a property that I currently visited. They sent me an online application to apply to see if I qualified for renting their property. I then XXXX  him the application fee which he stated that can be refunded if I choose to cancel the process. Later he asked for a XXXX deposit fee to have the house. I told him that my bank is in a pending status and he said I was being difficult. I then cancelled my pending payment and asked him for a refund because I found out that the property which I viewed did not have a landlord rather it is being rented out through an agency named XXXX XXXX I asked the agency if XXXX XXXX was afflicted with them or the landlord and they told me they had no such records of that name. I keep asking for my money back but he wont do it.

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 2022-11-04
Company: AMERIS BANCORP
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I asked my son to deposit a check for {$7900.00}. into my bank. By error he depostied it into his bank, Ameris Bank. On his way home, realizing his mistake he called Ameris. He was told as soon as they empty the ATM, they would call him and he could retrieve the check. Later the same day, he called back and was told the check was destroyed. I went to Ameris Bank on XX/XX/XXXX and was told by XXXX that my check had been destroyed, no copy or photo was available. I have a copy that the ATM made and clearly the check is made out to me. I want me check back. In XXXX I filed a complaint with Ameris Bank and have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Army and Air Force Exchange Service
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: Was not notified of investigation status or results

Complaint:
I have contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. And 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

And they aren't even in compliance with XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In my Transunion credit report I have identity theft and 4 fraudulent inquiries 1. XXXXXXXX XXXX XXXX XXXX  ( Finance ) from XX/XX/ 2. XXXX XXXX XXXX XXXX ( Auto ) from XX/XX/ 3. XXXX ( Bank ) from XXXX XXXX XXXX 4. XXXX XXXX ( Bank ) from XXXXXXXX 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 explanation
Consumer complaint received 2023-05-21
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im reaching out on behalf of my late payments that occurred from XX/XX/XXXX to XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I recently submitted a complaint about account XXXX I did not open this account you sent a response indicating that this account belongs to me I have never lived at the address listed on this account and the phone number XXXX is not and has never been mine so I did not contact you ever from that number I have filed police reports and identity theft reports your investigation into this matter is wrong I am a victim of identity theft someone has been using my social security number date of birth and identification. This has been going on for 2 years I have had several accounts opened at numerous banks all coming back to this adress in XXXX when the police investigated this adress the residence was vacant and condemned since XXXX someone was using the mailbox as a drop off point. Which is why it's showing showing this information linked to me on my credit reports because they are using my identity to be me. I will not pay a debt that doesn't belong to me and it's not removed from my credit my next state is to file a complaint the the state attorney generals office I've been dealing with this for 2 yrs I just want my life back you have all the supporting documentation you need from law enforcement I don't understand why you are insisting I opened this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1-Improper notification of transfer of loan when transferred from XXXX XXXX to Shellpoint as servicer for new owner-caused us to get behind on payments because new payment address was not given ; XXXX XXXX excepted 2 payments and forwarded to Shellpoint, but payments beyond 3 were not forwarded ; XXXX XXXX informed us of the transfer, but Shellpoint did not notify us in the required time 2-Shellpoint sent notices dated with post-marks/meter stamps a week or more after notice date ; we received a notice today, XX/XX/XXXX, dated XX/XX/XXXX 3-Inconsistent application of payments and statements ; In XXXX, a payment was sent for approximately {$1200.00} matching the amount on a recent statement ; the next statement had a balance around {$1100.00} ; 3-it is difficult to understand the activity on the Shellpoint website ; when the previously mentioned {$1200.00} payment was broken up and an additional approximate {$270.00} was applied to the principal ; it was difficult to confirm that a payment was not received for XX/XX/XXXX 4-After a period of unemployment and under employment in early XXXX, we went through Consumer Credit Counseling and qualified for a HEMAP Loan with the PHFA ; we paid the HEMAP Loan off and continued to monitor our credit ; we are in the process of refinancing this mortgage after increasing my credit to a level that would allow for refinancing 5-On a recent inquiry, we learned that Capital One owns New Rez which owns Shellpoint, which probably should have been worthy of notification ; at first, we thought XXXX  XXXX was the owner, but, on another inquiry, another firm was listed as the owner ; no notification of a transfer and the inquiry is still pending 6-The payment due showing on the Shellpoint website was paid today, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion again reduced XXXX from credit score and trying to bring Dawn my score every month. 
The XXXX and Transunion scores are not match at all.

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 2023-11-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Address are incorrect

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 2019-07-09
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent this company a validation letter and they signed for it on XX/XX/19 although I didn't get the receipt for some odd reason, but the tacking # is XXXX about an alleged debt they claim I owe. What I received in return was a bill/statement. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have a legally binding contractual obligation to pay them the alleged amount, Furthermore The whole entry on my credit file of this account is completely inaccurate. They claim I owe XXXX but what shows on my credit report is {$900.00}. Now I am no credit expert but I do believe this kind of information needs to be completely accurate. 

The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.

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 2018-08-16
Company: JPMORGAN CHASE & CO.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The evening of XX/XX/XXXX I learned that I was a victim of an email scam and wire transfer fraud resulting in a loss of {$54000.00}. 
We sold our home in XXXX, CO. We closed on the sale XX/XX/2018. 
We were in the process of buying a home in XXXX, NM. We were closing on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, NM XXXX. 
XXXX XXXXEscrow Officer XXXX XXXXEscrow Officer XXXX XXXX It was revealed at this time that a company who claimed to be the closing partner of Old XXXX XXXX XXXX had requested a wire transfer from us for {$54000.00} on XX/XX/2018. We wired the money to the partner. Buyer, XXXX XXXX XXXX sent an email to XXXX XXXX, the Mortgage Consultant asking if this was a legitimate request. He [ bogus reply ] responded, I advise for you guys to wire {$54000.00} ( Cash to Close ) today to the wiring instructions sent by XXXX this morning. I wired the money as per the Wire Instructions. 

The parties involved were : XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX-Escrow Officers XXXX XXXX American Financing, XXXX XXXX-Mortgage Consultant XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX , CO XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX-Agent XXXX XXXX XXXX XXXX  XXXX XXXX . XXXX XXXX, NM XXXX My desired resolution is to get my money, {$54000.00}, back. 


Wire Transfer date : XX/XX/2018 Sent from : XXXX XXXX XXXX Wire transfer amount : {$54000.00} Reported fraud on XXXX XXXX XXXX Checking account frozen per advice from XXXX XXXX recommended that I file a police report Action taken by XXXX : Recall As of my inquiry on XX/XX/XXXX to XXXX, the investigation is closed. The receiving bank, J.P. Morgan Chase declined the recall. According to information given to me by XXXX, the bank that received the wire transfer had its routing # and account # at XXXX XXXX XXXX XXXX, XXXX, NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: AZ
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:
To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, SC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: Monterey Financial Services LLC
State: MA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan amount taken for XXXX which was paid. I owed less than XXXX dollars in the account and the company never called or contacted me to make me aware of my balance. Now they are charging me over 120 % in interest and I owe more than the original loan amount. I called to settle the account and was told I would be called back and never was contacted. I reached out on several occasions and they refuse to settle the debt with me, which is negatively affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: Velocity Portfolio Group
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The XXXX XXXX XXXX, a debt collector with offices in Arizona, has attempted to collect a debt that it knew or, should have known was the result of identity theft. XXXX XXXX has used the court system to intimidate me and my family into paying a debt for which we're not responsible. The firm has acted extra-judicially in attempting to collect a debt from those who are not responsible for the 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 explanation