BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello I was born with a XXXX sister by the name of XXXX XXXX. Our social security number is XXXX digit different and her information appears on my credit report. Right now it is a delinquent account : XXXX XXXX thats been reporting on my credit report and it doesnt belong to me. It belongs to my XXXX. I XXXX XXXX do not have an account with XXXX XXXX. 

Please erase the XXXX XXXX account off my account asap.

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 stressed and displeased that I see so many fraudulent accounts on my credit report. I've been filing several complaints and getting the same results. This is not FAIR!! This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 non-monetary relief
Consumer complaint received 2023-04-10
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Progressive insurance continued to attempt to charge me insurance on a policy that was canceled since XX/XX/XXXX. They referred me to Caine and Weiner collection agency for a balance of {$400.00} which dropped my credit score XXXX points on XX/XX/XXXX while in the middle of trying to apply for a loan to save my business. I was waiting for my score to update on XX/XX/XXXX. I paid down my credit cards and lowered my utilization in order to guarantee an approval. However, due to progressives negligence I was unable to apply. Removing the derogatory has become extremely difficult and has hindered my loan process tremendously. When Im all actuality progressive really owed me money. {$3.00} to be exact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: FISERV INC.
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
My son left his job at XXXX in XXXX, MD, where he had been issued a credit card. On XXXX XX/XX/2021, he received a letter from XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, FL, saying that they were in the process of upgrading his account to a premier account, but needed documentation under the USA Patriot Act to complete the upgrade. The letter asked for him to send 2 primary ID ( such as copies of his passport, driver 's license, military card, green card ) and 1 additional ID ( such as SSN card, utility bill, paystub, bank statement, etc. ) It also provided a toll free number : XXXX. Supposedly the offer was sent because he was no longer receiving payroll loads from his employer. It was signed " XXXX XXXX XXXX XXXX '' I'm concerned that the letter solicitation is a fraud. My son moved to another company, so he doesn't care to have a XXXX credit card, but others are not as fortunate.

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of XXXX accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the following items 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 non-monetary relief
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. According to the IRS laws, the tax consequences of Charge-Offs, the IRS may view outstanding debt forgiven or canceled by the lender as part of your taxable income. I'm showing proof that this company XXXX XXXX XXXX XXXX  # XXXX is reporting to my credit account as a charge-off. In addition to this, A charge-off is considered a certificate of indebtedness so its considered income and income is not reportable and should be removed effective 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 non-monetary relief
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Victim of identity theft my safe was stolen from a car and it had my ssn card and other documents that were used.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: PR
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: Problem with personal statement of dispute

Complaint:
I am writing in regards to a past account XXXX with XXXX XXXX for a XXXX XXXX XXXXXXXX. I am requesting to have the late charge payments from XXXX to XX/XX/XXXX that shows up in my credit report, erased and for credit bureaus to be notified of this change after no due diligence from XXXX XXXX to investigate the issue and correct it, in accordance to credit protection during XXXX. 

The reason for this request is because at the time I was experiencing some severely difficult financial hardships as well as mental health issues, as explained to XXXX XXXX at the time. I have evidence of letters sent to XXXX XXXX and responses that led to no resolution. 

I managed to pay it off in full and continued making payments on time without any late payments after that. I asked to not be condemned and have my credit affected negatively during a difficult time. Before investigating my rights with a lawyer, XXXX DID NOT tell me that I could pay off the late balance to avoid repossession. They threatened to repossess the vehicle and charge off my account. I let them know I knew my rights and they let me pay off the late balance and full, restored my account in which I made no late payments until the remainder of my time with the vehicle. 

I would be greatly appreciative if you could help me with XXXX, who has been evasive in helping to remove late payments from XXXX XXXX XXXX XXXX XXXX and report changes to credit bureaus. 

Please let me know if you have any questions. 

Best, 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 2017-05-03
Company: NCB Management Services 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: Account status incorrect

Complaint:
NCB Management Services is incorrectly reporting a closed account as open as a negative collection on my  XX/XX/XXXX  and   XXXX   XXXX   credit report. This account was included in my chapter  XXXX  bankruptcy which was discharged i n  XXXX / XXXX /   2017. Th ey should not be constantly reporting negatively on my report. I filed a dispute with   XXXX   XXXX   on  XXXX / XXXX  /2017.  Who stated that the company would not cooperate with. I feel that this is unfair reporting on this companies part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An item that I was not familiar with showed up on my credit report on XX/XX/2023 for $ XXXX from XXXX XXXX. I have never had a mobile account with XXXX so I immediately disputed the information and requested the contract information and details about the account. I had been notified that my identity information had been released as a result of a data breach with my employer so I used their services to also submit a fraud alert and claims regarding the account. To date, I have received no information from the creditor/collection agency, Sunrise Credit Services , regarding the account.

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 2023-12-08
Company: EQUIFAX, 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:
I recently reviewed my credit report and noticed accounts reporting that did not apply for. I believe that someone has used my personal information to open these accounts. I have not used my credit and after reviewing my report, I have seen accounts that are reporting under my name which I never authorized myself. 

The following accounts are not mine and should be removed : XXXX XXXX XX/XX/XXXX. XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wife and I own XXXX XXXX XXXX XXXX which is a real estate holding company for a commercial building ( Preschool ). Our business Bank account is held with Fifth Third Bank. On XX/XX/2022, our banking representative reached out to us asking if we tried to submit a {$500000.00} wire. We informed her that we did not and she was able to stop that transaction from happening. The following day ( XX/XX//2022 ) I logged into Fifth Third 's online banking website to check my account and noticed a wire transaction was processed in the amount of {$100000.00}. We did not initiate this wire and immediatley notified our representative and she confimed a wire in the amount of {$100000.00} was indeed sent without our consent and she filed a Fraud case with their Fraud Department. They tried to reverse/recall the wire with no success and now our Small Business is out of {$100000.00}. After a Fifth Third internal investigation, the bank is claiming the money can not be retrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Acct # : XXXX XXXX # : XXXX 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 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 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 2021-06-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 there was an unauthorized transaction on my credit card statement from XXXX XXXX, I informed Chase of the unauthorized transaction and they said they would do an investigation but came back a month later on XX/XX/2021 stating that the transaction was authorized, which is completely false as they did not do a proper investigation into this matter and also the merchant furnished a false and deceptive form. 

There were a total of 4 unauthorized transactions from XXXX XXXX each for 1. {$730.00} 2. {$350.00} 3. {$380.00} 4. {$760.00} All of these transactions are UNAUTHORIZED and INVALID due to the fact that the company did not provide me with any service or products to validate these charges. 
Under Federal Law 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Under Federal Law 15 USC 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 
Since I am the original creditor I will consider revoking the right granted to extend credit if you do not comply and conclude your investigation in accordance to Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in regards to my Conventional Home Loan # ending -XXXX with Wells Fargo Home Mortgage ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) and the miscalculation of my escrow account. 

On XX/XX/XXXX I was informed by monthly payment would go up from {$1800.00} to {$1900.00} ( XXXX or 8.25 % ) unless I paid {$1000.00} by XX/XX/XXXX. 

I have elected to pay the amount requested. 

The reason sited for the increase was due to an Escrow Review where my balance would drop below the minimum requirements. 

Upon closer inspection of the forms the reason for the increase was a failure to include my property insurance by Wells Fargo. See page 2 of the XX/XX/XXXX Escrow Review Statement.  Actual XX/XX/XXXX to XX/XX/XXXX does not include Property Insurance but  XX/XX/XXXX to XX/XX/XXXX Projected does include an estimated charge of {$2400.00}. 

I took out this loan in XX/XX/XXXX and I actually received a refund in XX/XX/XXXX ( attached XX/XX/XXXX Escrow Review Statement ). 

The problem appears that insurance was not assessed into my Escrow account due to prepayment at the time of funding my loan. As apart of my closing costs I prepaid 12 months of insurance in the amount of {$2600.00} ( page 3 of my closing documents - see attached image ). 

After gathering these documents I contacted Wells Fargo Mortgage company on the number listed on the Escrow Review Statement XXXX on XX/XX/XXXX @ XXXX XXXX CST. I spoke with XXXX and relayed the above information, she did not dispute any of the enclosed details and re-ran the escrow report which came back with the same figures in the XX/XX/XXXX Escrow Statement. 


My complaint against Wells Fargo Mortgage is their Escrow calculations are only built off certain periods of time and do not take into account circumstances such as prepayment of insurance at closing. Furthermore, it appears Wells Fargo only utilizes certain periods of time Actual vs. Projected that fall within the mandated Escrow Review period. I recognize I am responsible for paying property insurance and property taxes ; however, I have relied upon the calculations of my lender to prevent surprise. I also understand my monthly payment can change due to fluctuations in property taxes, property valuations, and property insurance rates. None of these circumstances applied in my situation, my taxes nor my insurance went up. I am very disappointed in the services provided by Wells Fargo Home Mortgage they did not look after my interests as their customer.

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 2023-06-01
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:
I have already provided the required documentation to report that my Identity was compromised by XXXX  Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent. 

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 


9. The inquiry was not authorizeXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

10.The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Delete this account. 

11. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

12. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 


13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.

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