BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX has been working on dispute since XX/XX/2022. While this account was in dispute I was not allowed to make payments on this account, I was notified on XX/XX/XXXX or XXXX that XXXX the original seller had charged off the account for no payments received. XXXX immediately sent my balance to collections because they had let the dispute sit there for 5 months and with no notice or payment options said I needed to pay a debt collection agency. I said no. I have never made one late payment to affirm. That is not ethical. XXXX reported the balance to the credit agencies and stopped me from making any future purchases from them saying that I had not made payments on time,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: 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 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  XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2022-10-17
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
letter date XX/XX/22 amount : {$710.00} I called the company on the XXXX of XXXX to inquire why I am in collections. I gave them the last four of my social and birthdate and they were unable to verify with the information that they have on file. I attempted to dispute and was bounced around and with three different people who couldn't help me and ultimately left on hold.

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 2023-12-05
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My mortgage company is XXXX XXXX XXXX serviced through LoanCare. They were experiencing outages of their newly renovated website. I made a payment, and they withdrew two payments from my checking account. One of those withdrawals was without my authorization and an error on their end. My checking balance is now negative {$2100.00} and I have no access to money. Orders Ive placed have been cancelled due to insufficient funds and I have no access to cash. I spent two hours on the phone and they refuse to expedite the refund. My complaints are that they took money from my account without authorization and they will not refund it in a timely manner.

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 2018-08-30
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is demanding that I get a credit card from US Bank which is a substandard credit card company and has many complaints filed against it. 
To give you a background of my concerns, a couple of years ago, US Bank was incompetent on reporting a hotel charges on a credit card account I had to usein a timely manner. They reported me late due to their negligence and tried to ruin my A+ credit. It took them over three months to correct. Not only this, they charged the account for {$80.00} for some perk program I declined. I tried to get them to remove and waive it which they refused. I ended up paying it out of my pocket to ensure my credit didn't get blemished. Now XXXX XXXX is demanding I get this credit card on my credit rating which I do not want associated with my credit. 1. US Bank is a client of XXXX XXXX and there is a conflict of interest here as there are others who clients whose credit cards are not considered. 2. US Bank is a credit risk to my credit ratings. 3. US Bank is a reputational risk to my credit along with others along with XXXX XXXX. 
If I must adhere to XXXX XXXX 's compliance which advises employees to point out reputational risk and conflict of interest which they choose to ignore, how do I make sure US Bank is not connected to my credit? Is there a waiver I can sign to ensure that US Bank does not report this card on my credit? I work too hard to keep my credit at an A+ status.

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 2023-12-01
Company: JPMORGAN CHASE & CO.
State: FL
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:
It shows a hard inquiry on my XXXX credit report with JPMCB - CARD SERVICES since XX/XX/ and I have never owed an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently obtained a copy of my credit report and found out I've been a victim of identity theft & I'm in the process of buying a home for my family. I feel terrible that i've fallen a victim of identity theft. This situation has negatively impacted me. I respectfully request that you promptly delete these fraudulent accounts from my credit report. Please see attached.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/22 I submitted a dispute on Credit Karma and XXXX for inaccurate reporting on my credit report. I asked them to Please provide me with the facts and debt verification. They failed to submit that information to me. I asked for debt validation, instead they sent A break down of charges, which is NOT legally considered validation, They failed to send me the original contract and proof of my wet signature for the alleged debt. They sent the corrispondance on XX/XX/22 that the debt was validated. How is this possible? This is inaccurate reporting and damaging my credit score.

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 2023-11-27
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
As of early to mid XXXXXXXX XXXX, Loancare , LLC, has been down. The parent company, XXXX XXXX XXXX, shut everything down after a cyber attack. They still have not got it up and working. We can not access our mortgage accounts to make payments ( I've never been late ).

Absolutely, No Communication from Loancare about this serious situation. We learned through message boards and forums. 

** My financial data is now compromised. ** My payment, well, who knows when the Site will be up, so more than likely it will be considered late and my credit might take a hit through no fault of my own.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX first XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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: 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. I hope the disputed items will be corrected as soon as possible : 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 2023-02-21
Company: EQUIFAX, INC.
State: NC
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:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Maury Cobb, Attorney at Law, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I closed my account with XXXXXXXX  to transfer to another mobile carrier a while ago. Moving forward a few days, I got a hard inquiry on my XXXX XXXX and was surprised to see I had a collection from XXXX on my account. 

I immediately contacted XXXX, who confirmed there was nothing they could do and advised me to contact the law firm of Maury Cobb & Associates LLC.I 've been calling them via relay due to the fact I'm deaf, but they kept hanging up on me, so I don't know what to do and am worried it will impact my credit line as it shows I have collections. 

I never received any notifications, warnings, emails, or letters about the remaining balance, which I believe to be around {$160.00}. I had no idea about all of this. 

Please sit down and remove this debt, as this must be an error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 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 2022-07-19
Company: EQUIFAX, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: American Coradius International LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Coradius International LLC sent me a physical letter saying I owe XXXXXXXX XXXX 

When I called XXXX they said this is a fraud. They do not work with this company. 

Can you please tell me if this is a legit credit collection agency? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Guild Mortgage Company LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was working with Guild Mortgage back in XXXX, XXXX to buy my first home. I had already been approved when I was asked by the lender if I wanted to either close before XXXX XXXX or prepay my taxes in order to qualify for the homeowner 's exemption that would reduce my overall taxes. The lender explained that either way, I would get the exemption and most of my pre-paid taxes would be returned to me at the end of the year when the tax bill came out, as I would be essentially double paying with both my prepayment and my escrow fees. The lender even called my mother to encourage her to loan me the money for these upfront tax payments, which she did, telling her the same thing. We closed on the loan and I moved into my first home. Then in XXXX, I got the tax bill with no homeowner 's exemption. When I called the tax assessor, they told me I did n't file the form before the XXXX XXXX deadline, so there was no exemption, and that they had never heard of anyone getting this exemption by pre-paying. When I tried to resolve this issue with Guild, they told me I had " misunderstood '' and that at no time did they ever say I would get the exemption, and that I prepaid in order to get lower taxes. None of that is true. I have essentially paid twice for the same tax bill, and I believe I am due the money back that I borrowed from my mother and paid up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: NCB Management Services Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting an account to the credit bureaus that doesn't belong to me. Remove this immediately or I'll seek damages because you are responsible for what you report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: MS
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 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX  XXXX XXXX Balance : {$830.00} ( Original Creditor : XXXX XXXX IN ) XXXX Balance : {$670.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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:
The unverified items indicated below continue reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation