BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX, Transunion, XXXX is still in VIOLATION of the Fair credit reporting act. I have a lawsuit going on right now case number XXXX and all three companies have yet to remove all late payments and charged off accounts form my credit profile and that a violation of 15 usc 1681,15 usc 1681a ( 2 ) 15 usc 1681b, 15 usc 1681c. This a clear violation of the FCRA because anything disputed or in LITIGATION needs to be removed from the credit profile immediately until the lawsuit is resolved. I want every derogatory item deleted from my Credit profile 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 explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: IL
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:
XXXX, XXXX, Equifax is still in VIOLATION of the Fair credit reporting act. I have a lawsuit going on right now case number XXXX and all three companies have yet to remove all late payments and charged off accounts form my credit profile and that a violation of 15 usc 1681,15 usc 1681a ( 2 ) 15 usc 1681b, 15 usc 1681c. This a clear violation of the FCRA because anything disputed or in LITIGATION needs to be removed from the credit profile immediately until the lawsuit is resolved. I want every derogatory item deleted from my Credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed numerous ftc reports for fraudulant account and addresses on my credit report and nobody will help me get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi my name is XXXX XXXX. I have a business checking account with chase bank. I recently deposited some checks I received from the company I'm doing work for. I deposited checks the week before XX/XX/22. It had to clear on the XXXX but since I deposited other checks the day before the XXXX the bank froze my account for supposedly fraudulent activity. They still froze all my accounts even after I verifies everything with the bank and the company I work for. This was my only account for my business and all my money was in my account. Now I'm losing days I could of worked because I have no funds to pay for my materials, equipment or employees. Chase bank doesn't want to help me at all to release any funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: BSI Financial Holdings, Inc.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My loan was sold to Servis One/BSI Financial. I have been trying to access their online payment portal for three days on my browser to make my payment. The page never loads.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX 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 explanation
Consumer complaint received 2021-06-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX i refinanced and paid Citizens bank in full for my first mortgage and homeEQ account. 

At that time The account was closed and i was unable to draw any money from this home equity account. 

I noticed in the coming months that the home EQ account was still showing in my profile but i didn't think anything of it because it has XXXX balance and no interest was being charged. 

I XX/XX/XXXX i received a notice that i needed to pay XXXX to close the account which i paid. XX/XX/XXXX In XX/XX/XXXX i get a notice that XXXX was charged to my account. I called to find out what is going on and after multiple days of being left on hold transferred to multiple departments i was told that they need flood insurance for this loan and the added a forced policy. I explained that the loan was paid and it has XXXX balance and i am unable to use the line of credit because it is closed. They told me they see the issue and will reverse the charges. 

Now in XXXX i get a bill in the mail for interest on the XXXX and a request for another XXXX dollars to close the line. I have called and as i write this complaint i have been on hold and 1.5 HRS and talked to some one told them the issue and they disconnected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 accounts 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 accounts : 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 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 explanation
Consumer complaint received 2022-01-08
Company: Franklin Collection Service, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency Franklin Services is trying to make me pay a XXXX  related services i didnt get from a Hospital nowhere near my city. On there bill, i received 3 services including XXXX XXXX  and XXXX in XX/XX/2020... Ive never got those services so it doesnt make any sense at all ... Because i have proof that the only XXXX XXXX  i got that year was in XX/XX/2020 in a different location and paid by insurance. I dont have records of any XXXX or XXXX XXXX not even from my own hospital and primary care Dr. and why would i go somewhere else? Not to mention that the bill is signed by someone else. not even my signature. And the adress they had was from That State. Id tried to have it removed from the credit thru XXXX with all my evidence and they denied me. I would like to report this matter and have this resolve asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Select Financial Services, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Submitted a loan modification on 3XX/XX/XXXX and XX/XX/XXXX ( with a change of circumstance ). After calling several times about the status of the application and getting the run arounds. I will told it was in review with the underwriter. I asked could the foreclosure date ( XXXX ) be suspended while in review because of dual tracking ; which I was told no. 
A day or so later I was told the application got denied and a letter would be mailed to me. 
I never got the letter and called back and asked could it be faxed to my counselor and email to me. They said they would but as of this day still never received anything. XXXX XXXX is not trying to work with me to save my house but is trying to move forward to foreclosing and taking my home when I have the income. They dont want to acknowledge my increase of income.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im 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 2020-07-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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 informed fifth third bank that I didnt open a credit card that I found on my credit report and they wont take it off. They told me that the account was sold to a collection agency and when I did research the company is out of business. I have been disputing it with credit agency for months and they wont remove it. Its fraudulent and I want it removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-07-07
Company: EQUIFAX, INC.
State: LA
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 and Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XX/XX/XXXX- The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized US SM BUS ADMIN XXXX XX/XX/XXXX XXXX The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX- The inquiry was not Authorized ACCOUNTS : XXXX XXXX  XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX XXXX XXXX- Not reporting accurately under 1682e ( b ) XXXX XXXX  XXXX - UNDER 1692j, cease and desist asap XXXX XXXX- Not reporting accurately, it says open but collections ? Delete this asap 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
Experian under the FCRA you are in violation of reporting accounts not owned by companies you state on credit report XXXX date XX/XX/2019 a clear violation and credit manipulation. I am reporting this through the CFPB so that I get a response to these accounts if not removed then legal action will take place for damages mental distress lose of business do to your reporting please take care of this enclosed letter at once 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 explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XX/XX/XXXX My complaint is against Experian : Experian has gone through my whole credit file, and re-aged debt information from XX/XX/XXXX, to falsely show as if I have New Collections, and Charge Offs from XX/XX/XXXX, through XXXX of XXXX, thereby destroying, and slandering my credit. 

Consistently they do whatever to lower, and keep my credit score at a FAILING level. 
Positive updates that should be taking place monthly onto my credit file, are not. 

Anything derogatory, false, fraudulent, untrue, and at times even not belonging to me, is placed onto my credit file. 

In XX/XX/XXXX, I had filed a complaint with the CFPB against XXXXXXXX XXXX, and its collection cohorts. 
I have several accounts listed on my credit file, that since XXXX of XXXX, I have had nothing to do with, going on 4 years. 

I am attaching a copy of an ALERT from the Better Business Bureau, regarding XXXXXXXX XXXX. 

For years Ive made complaints about XXXX, for all of the same reasons, plus more, like in this ALERT. 

**** TODAY, MY COMPLAINT IS SOLELY ABOUT EXPERIAN as it relates to the reporting of the old XXXX, and their cohort collectors, and the other NEGATIVE derogatory accounts that are on my credit file. 

ON XXXX, XXXX, I learned from XXXX lenders, and an insurance agent that I was going to do business with. 

I learned that in XX/XX/XXXX, Experian has gone through my whole credit file, and has lowered my credit score, even lower to the 500s. 

Someone at Experian, took ALL old XXXX Negative accounts on my credit file, and they re-aged the accounts to look as though they became negative as of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Experian has removed the original XXXX status history information, so as to make this New false fraudulent information look as though it is accurate. 

This was done intentionally to cause Irreparable damage, and it was done in collusion with, and on advice from XXXX, and its collection cohorts, because I had recently filed complaint against them.

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 2022-07-07
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: Account information incorrect

Complaint:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) Balance XXXX {$630.00} XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXXXXXX ) Balance : {$3000.00}

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 2021-06-02
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation