BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 2023-12-17
Company: EQUIFAX, 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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Account number XXXX Im writing regarding my mercedes account that displays online that i can not make the payment online i contacted them multiple times i emailed them to open the account to i can pay for my car. They gave me number of their fraud department that i tried to reach 11 times but no luck on XX/XX/XXXX i have a payment to make and they didnt send me paper bill and not letting me to pay the payment online either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: GOLDMAN SACHS BANK USA
State: OH
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. This consumer violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-05-03
Company: AmeriHome Mortgage Company, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/23 I received a surplus escrow check from my lender. The letter states this is an overage after my taxes and insurance has been paid. The letter states this is my funds to do as I wish with them, being a first time home buyer I decided to put the funds back into the house by redoing my hardwood floors. On XX/XX/23 I received a letter from my city stating my property taxes were not paid. They are now requesting {$2700.00} with fess and interest. I called amerihome financial and was told they did pay my taxes in the amount of {$800.00} they are lying to me and claiming the city only sent them a bill for that amount. I spoke with city of XXXX this morning and was informed that my lender misread the statement and only sent in the first installment of my property taxes with the intent to pay it in full. They did not understand the assignment. My lender is not owning up to this mistake as they keep telling me the city sent them the wrong bill. Amerihome is acting unfair and deceptive. I was misled on the terms of why I received the escrow check. I am being lied to about why my taxes were not paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Shellpoint Mortgage XXXX XXXX XXXX XXXX, TX XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Owner : XXXXXXXX XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( Shellpoint ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 

Although Shellpoint is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled. 

Therefore, because Shellpoint has been the designated loan servicer, I am asking that you look into the following issues : Did the servicer give me a fair opportunity to be evaluated under XXXX ( and all relevant laws ), because my application was denied for lack of documents despite Shellpoint previously acknowledging that my loan modification/RMA packet ( packet ) was complete? 

There was a sale that took place on XXXX XXXX, is Shellpoint intentionally declining to review my subsequent packet? 

For what reason ( s ) am I ineligible for co-signer release? And, if I am not truly eligible, can you help me understand the reasons why I would be deemed ineligible? 

In order to determine if I am eligibleand because I would like to receive the documents requested per a qualified written request ( QWR ) I had sent to Shellpoint. The timeline to provide me documentation per the QWR has passed. Can you assist me in requesting the loan servicer to provide me ALL of the requested documents I am legally entitle to? 

At present, there is no sale date on my subject property. From my review of the laws under XXXX, I understand that your office has the authority to investigate these types of matters and I am requesting the CFPB to assist me. 

Thank you, and if you have any questions other concerns, please do not hesitate to contact me at the address set forth above. 

Sincerely, XXXX XXXX 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 2023-04-13
Company: EQUIFAX, INC.
State: TX
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 now my THIRD complaint against Equifax regarding account XXXX. Equifax in their last response stated that they mailed me results of their investigation. The problem with this is I submitted new information in my last complaint. XXXX XXXX XXXX explained that the account was placed with " XXXX XXXX XXXX XXXX XX/XX/2018 because the account was past due and I spoke with them, XXXX XXXX XXXX XXXX this account. However Equifax is allowing this account to show that it was with XXXX from the time it was opened to close. IN addition the practices that XXXX and XXXX XXXX Used directly violates the FDCPA. In my last complaint I included the letter I received from XXXX explaining the account as well as the FDCPA and instead of Equifax looking at the information they gave me a generated automatic response. As a consumer I have the right to a credit report that is 100 % accurate. When a consumer submits a complaint the Company is supposed to look at all documentation in connection with the complaint and then make a decision. Equifax did not do that. Until now I have kept all of my complaints private in hopes that we can get this resolved but I see now that Equifax allow malpractice in handling complaints and disputes. This leads me to believe that they have done this to several people. So this complaint will now be public in an effort to encourage others not to be bullied by Equifax and when something is inaccurate on their Credit Profile the Bureaus have a duty to correct it. We all have the right to a Credit Report that is 100 % accurate and also have the right to dispute inaccurate information on our credit report according to the FCRA. I understand that disputes can be time consuming and may cost the Bureaus however it is their job and duty. I will be including the last complaint with this, along with the letter from XXXX admitting that they did not have the account and I spoke with a third party who also didn't honor their agreement thus violating the FDCPA which then means this account isn't verified. It is inaccurate and needs to be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Today, XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX XXXX to inform them of the inaccuracies and erroneous information be provided by the consumers reporting agencies. They told me that the inform that they have no information on my rental history. Case # XXXX ( file year XXXX ) and Case # XXXX ( file year XXXX ). 
The XXXX case was Dismissed, because I moved after giving a notice to my landlord. The XXXX case was paid in full and I continued to live at the location until XXXX. Also, I contacted the Bankruptcy XXXX. A representative told me, that they do not report anything to any consumers agency. The Bankruptcies were dismissed and do not owe anyone. Why are the bankruptcies showing on the reports? 

Please investigate & remove all inaccurate & erroneous information on my file. 

Thank you in advance for your assistance in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: EQUIFAX, INC.
State: TN
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 disputed the following Collection Account with XXXX & Equifax - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2022-10-28
Company: Experian Information Solutions Inc.
State: DC
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-28
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Who in is XXXX XXXX? 
They took {$170.00} From me, CHIME won't even investigate. CLAIM number XXXX Enough said. Investigated in 5 hours case closed no reason, first time ever making a claim. No PROVISIONAL. No time to even make it to the police station to file a report. You're not secure or professional to hold my family 's wealth in your hands. No way of talking to the claims department .. LOOKS LIKE THE DEPARTMENT IS IN ON THE SCAMS YOU ASK ME. THIS REALLY REALLY HURT MY FAMILIES WELL BEING YOU SHOULD NOT BE TRUSTED WITH ANYONES MONEY. I WILL PASS THIS ONTO EVERYONE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Southern Management Systems Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
SOUTHERN MANAGEMENT SYSTEMS , INC is a debt collector. I am demanding all communication through any medium besides this CFPB complaint to stop immediately. PLEASE REFER TO ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: BARCLAYS BANK DELAWARE
State: TX
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:
XXXXXXXX XXXX another account opened crossing my info wrong fraud this acct XXXX XXXX. 
Also Barclays XXXX XXXX account I have filed Fraud with my County and XXXX XXXX XXXX reports of Identity Fraud Theft. Some accounts have been removed. These are a few as of now Im doing my best to get info and recognize the Fraud. 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 2023-12-18
Company: Skopos Financial, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I inquired about this a while back and still have no answer. I participated in this message below back in XXXX before the deadline, and the agent on the phone said he was submitting it but that it would take some time for management to review it : XXXX, you may be eligible for a waiver of up to {$500.00} in accrued fees on your Skopos loan. We will match any payment of up to {$500.00} in waived fees during the offer period. Please call us at XXXX to learn more. We are available today until XXXX CST. This offer expires [ Saturday - XX/XX/XXXX ]. TXT STOP to Stop messages from this number. MSG & Data rates may apply. Reply STOP to OptOut It is XXXX and to this day the late fees were not waived as promised. I called over the phone on XX/XX/XXXX to pay as instructed before the deadline, paid over the phone and followed the instructions to the letter. 

I certainly hope this is not in retatliation to my XXXX complaints.. as this is not only discriminating but also illegal. But this seems to be the only way to get any type of response from this company. 

I have sent several e-mails to their customer advocacy department and XXXX XXXX directly and all have been flagrantly ignored on the matter.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a147.3K open end consumer credit plan as late for a purpose. 
Please remove before this is illegal and I feel my rights have been violated.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX 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.

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 2023-12-18
Company: EQUIFAX, INC.
State: MO
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 am writing to express my deep dissatisfaction and frustration concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. I believe that these inaccuracies are adversely affecting my creditworthiness, and despite persistent efforts on my part, the resolution of this matter remains elusive. 
I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these submissions have not resulted in the desired corrections, and the fraudulent information persists on my credit report. 

The existence of these fraudulent items has had a severe impact on my ability to access credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department on multiple occasions, yet the promised resolution has not materialized. 

I understand the importance of accurate credit reporting in maintaining the integrity of the financial system, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Furthermore, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit 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 Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief