BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items 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. Kindly correct or remove these items right away! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: FC HoldCo LLC
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:
these companies are coming up on my credit report as a hard inquiries. 
I never had any communication with these companies. I would like some help reaching out to theme I've tried numerous time to get in touch and haven't had any luck. All these companies show the same month and very close dates.

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 2022-11-24
Company: EQUIFAX, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Netspend Corporation
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XX/XX/2022 I received a overdraft notice from Netspend. I logged into my account to see that there had been several unauthorized ATM transactions by a worker/contractor who I had in my home doing work. I filed a police report and contacted the issuer of my Debit card ( NetSpend XXXX ) and I was told I had 0 liability due to the Mastercard branded card. Thye said they had to " investigate '' the incident and would get back to me. Now they are claiming " No Error '' occurred. Im still out the {$370.00} plus fee 's and loss time and use of my money.

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 2021-11-10
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail 3 weeks later from XXXX stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my weekend gathering all the documents to receive a mail like that. I am extremely upset. I have been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2022-10-31
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XXXX just switched banks to Comenity. On XX/XX/XXXX I called to find out where my new card was & was told that it would arrive on XX/XX/XXXX. I explained that we would be in XXXX then & was there any way to get it sooner. I was told NO. Yet they wanted me to give them a payment over the phone. I said I would pay when my card arrived & I actually have an account with them. 
We arrived home yesterday & we have a bill from them but no credit card. I called to find out what was happening & at first they told me I wasn't in their system. When I mentioned I had a bill from them I was asked to read the # 's off the bottom of the bill & suddenly they found me. I explained that our card never arrived. I was told they would reissue my card & it would be at least 2 more weeks before it arrives. I told her to please understand that until I have an actual card & account with them I am not making any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: JPMORGAN CHASE & CO.
State: DE
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:
Youre in violation of credit reporting act 15USC 1581 ( b ) for unlawfully obtaining my XXXX, XXXX, and XXXX reports without my authorization and permissible purpose under the FCRA. As a result of you unlawfully obtaining my consumer report without my permission, you are liable to me actual damages or statutory damages up to {$1000.00} punitive damages. Im willing to settle this matter without admitting liability. Cease and desist obtaining copies of my consumer report from the consumer reporting agencies. Pay me {$20000.00} and deliver it to my address listed above within 14 days of this receiving this demand. Please be advised that I am prepared to file in federal court if you do not comply with this demand. Upon time of receipt of $ XXXX payment this letter shall be general release of all claims here in. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
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 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 2019-03-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I applied for a home loan modification due to falling behind on mortgage because my wife had XXXX XXXX and lost her job. In XX/XX/XXXX I received a call from Bayview loan servicing to let me know I had been approved and the trial mod pmts would start on XX/XX/XXXX. I called a few days later to ask if i could go ahead and schedule ( 2 ) 1/2 pmts in XXXX to pay for XX/XX/XXXX pmt, i was told yes. I was then sent out the modification paperwork to sign and return, papers stated we would have 3 trial pmts and then it would be approved for first MOD pmt on XX/XX/XXXX. I made each of those trial pmts in the month before the due date. In XXXX i called to make a pmt and the system was telling me i was due for XXXX, there was not way that was correct as i had made the pmt for XXXX in XXXX ( this shows on Bayview 's pmt detail ) They stated at that time they would correct this they had misapplied a payment i had sent in. In XX/XX/XXXX there were 56 transactions made on my acct for them trying to fix their mistake and another 69 transactions in XX/XX/XXXX. As looking down through the pmt history i could see where the due date kept switching from XXXX to XXXX back to XXXX and never being updated to the current month that i was due for. I called several times to Bayview for them to fix the problem each time them stating they would escalate it and correct my credit report. Then after disputing them each time they would send a letter stating they could not retract the credit ratings due to being contractually late ( i was never late on a pmt once we entered the modification ) i have filed disputes with all 3 credit bureaus as well. i again called on XX/XX/XXXX to open another case each time i get a different reason why they can not fix the mistakes they made and update my credit report. we are trying to purchase another home and to get away from this horrible company that continues to do this to hundreds of customers. i have all the payment history from their website showing all the transactions and if you follow it you can plainly see where i made all pmts and a pmt in XXXX was reversed and never posted back. I need my credit report updated from this company and after 2 years of them not complying i will now be taking further actions on the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
Account XXXX XXXX XXXX  reported as FRaud and went through investigation. The progress has passed more than 90 days without validations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Commonwealth Financial Systems, Inc.
State: TN
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:
The company was XXXX XXXX the account was open XX/XX/2019 I have no idea where this came from! for the amount of XXXX called common wealth finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXXXXXXXXXX XXXX Balance : {$1800.00}.

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 2023-03-25
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Experian Information Solutions Inc.
State: AR
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:
hello, On this day of XX/XX/XXXX I would like to file a complaint against XXXX  and Experian for inaccurate information on my credit report! I've filed a complaint more than once to no avail. I would like you to make sure that I am treated fairly and not discriminated against based off of history, color, race, age, national origin, disability, sex, and/or religion. I'm in the process of applying for a loan with all credit accounts in Good standing, but have some negative items that are inaccurate on my credit reports with Experian and XXXX. The first and most negative item is XXXX XXXX, which appears on my XXXX credit profile. This item was removed by XXXX XXXX and Experian from my credit report but with XXXX  it still remains! XXXX XXXX closed this account with all three credit bureaus on XX/XX/XXXX. The next items in dispute with XXXX are XXXX/XXXX  in which has a balance of {$0.00} as of XX/XX/XXXX but is still showing a {$600.00} balance, and XXXX/XXXX  is showing a balance for {$23.00} in which also has a {$0.00} balance as of XX/XX/XXXX. Experian also has a balance showing on my credit report for XXXX XXXX in the amount of {$470.00} which has a balance of {$0.00} as of XX/XX/XXXX. Experian also shows a balance of {$23.00} for XXXX/XXXX which has a {$0.00} balance as of XX/XX/XXXX, and Experian also shows a balance of {$420.00} for XXXX XXXX  which also has a balance of {$0.00} as of XX/XX/XXXX. I've called them numerous times as well as filing a dispute to have these inconsistencies corrected but they still remain unchanged, although they told me that they see where the accounts have been paid in full they have not updated my report in a timely manner! Their adequate response is desperately needed to get approved for a loan, otherwise I would be denied based off of inaccurate information posted in my credit report by the Bureaus! Thanks in advance!

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 2022-10-18
Company: LAKEVIEW LOAN SERVICING, LLC
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:
On XX/XX/2022 The Supervisor at XXXX XXXX XXXX hung up the phone on my call to delete the alleged claims while I was still trying to get the correct information regarding fraudulent claims against my consumer report. On XXXX XXXX I sent a response letter to XXXX XXXX XXXX, Attorney hired by XXXX XXXX never got a response, I sent out the same letter again never received a direct response regarding my response asking for the alleged debt to be validated. XXXX XXXX I received confirmation that the response was acknowledged. XXXX XXXX XXXX XXXX XXXX stated they hired XXXX XXXX XXXX as an attorney and XXXX XXXX sent me a statement stating they would be foreclosing on my homestead on XXXX XXXX and they have not responded or validated the claims against my property. It is now XXXX XXXX and there has been no valid debt validation they have furnished fraudulent claims against my consumer reports. Neither company has responded to my request in a timely manner nor validated the information that I requested pursuant to 15 USC 1692g,15 USC 41 consumer protection, RESPA, FCRA and TILA. Fraudulent practices are a violation under state and federal laws.

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 2022-03-04
Company: EQUIFAX, INC.
State: MI
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 been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Equifax : XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX 'S XXXX of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation