BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove these late payment indicators expeditiously. 


Account XXXX : XXXX XXXX XXXX # XXXX, has violated my federally protected consumer 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 an 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 record of conviction 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 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 2017-04-08
Company: BB&T CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently closed on the purchase of a home. The Closing Disclosure was generated multiple times in the 24 hours leading up to the close date. There were glaring errors on the CD. The banker admitted that the CD numbers were incorrect. I understand that certain numbers will change slightly, but in this case there were blatant errors to which the banker admitted. He insisted that I sign the CD 3 days in advance of the closing even though he admitted that the numbers were incorrect, telling me that if I did not sign the document we would not be able to close on time. An example : the " Down Payment/Funds from Borrower '' incorrectly listed the purchase price. 
In addition, the Title company told me that they quoted the Title Search amount to be {$500.00} but the banker quoted the Title Search at {$300.00} on the Loan Estimate and on the subsequent CD 's until the very last CD was sent to me just hours before the closing. The final Title Search amount was {$710.00}. That 's a long way from the {$300.00} initially estimated. 
Every time the CD changed the total Cash to Close was higher. 
I highly recommend that people avoid using Branch Banking and Trust Company ( BB & T ), XXXX, FL 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 2015-10-28
Company: Screening Reports Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I will like to have the inquiry removed from my credit I never authorized to processed never signed a document to review my credit for a rental apartment. we where going to process but the last minute I said no I do n't want it. please email me back XXXX or call XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-10-02
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:
Equifax refused after I sent them proof to remove a revolving " business '' account from my " personal '' credit report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: Jonathan C. Frank & Associates, LLC
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Jonathan C. Frank & Associates identifies themselves as a law firm when they are just a debt collection company attempting to collect a past debt that was written off by the bank not only that they have called other members of my family stating they are a law firm with a case against me FRAUD this is a debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
According to American Education Services, the current servicer of 3 of my private loans, my interest rate on my loans is calculated using the LIBOR rate. Specifically the company claims to use the LIBOR rate from the XXXX XXXX XXXXl Eastern Edition. However, when I google exactly that "XXXX XXXX   XXXX Eastern Edition LIBOR rate" I get to the XXXX webpage and find that there are 7 different types of LIBOR rates....LIBOR overnightLIBOR 1 weekLIBOR 1 monthLIBOR 2 monthLIBOR 3 monthLIBOR 6 monthLIBOR 1 yearConsequently, the LIBOR rate for all of those are different from one another. AES is not transparent with me in which LIBOR rate it is using to calculate my interest rate. Furthermore, upon requesting the last 5 years of the LIBOR rate that was used to calculate my interest rate, they instead send me the past 5 years of my personal loan interest rate (not very helpful at all). Frankly, AES has been unwilling to be transparent about which LIBOR Rate is used and has not been willing to show me information about the LIBOR rate history the company has used in the past 5 years to calculate my interest rate. I find this to be unethical and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2017-03-30
Company: BANCO POPULAR DE PUERTO RICO
State: UT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a notice in the mail asking me to set up a pin for a credit card I did n't apply for or receive. I called and it was a very short message saying that I can validate the pin or request a new one. I ignored it. A few days later I received a credit card in the mail from Popular bank from XXXX XXXX. It was their XXXX Visa card. It had a limit of {$15000.00}. If someone was simply trying to steal my ID they would n't have sent the card to me so I then questioned whether Popular Bank was behind this or someone at their bank was doing this in the hope that I would validate the card and then use it. I called the bank on XX/XX/XXXX and they were evasive, they transferred me to their fraud department who said they would get back with me. Today is the XX/XX/XXXX, I have not heard anything so I called again. The customer care department wanted me to give them a lot of additional personal information, which I refused to do ( Birth date, full SS number, etc. ) I was transferred to the fraud department who claim the account has been canceled and I have n't received any response from them due to the large number of issues with which they are dealing. They said it would be 30 days. I really think something is going on with this bank that deserves your attention.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent a letter on XX/XX/XXXX to remove the 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/block any items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX  XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2023-11-21
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX. XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXXXXXX XXXX ) XXXX  Balance : {$6300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Inquiry : 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 XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX. 

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 alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-04-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax contains XXXX accounts with XXXX on my credit report that contains no data reported form XX/XX/XXXX thru XX/XX/XXXX. These accounts are labeled derogatory and or delinquent. I filed ChapterXXXX XX/XX/XXXX which included these XXXX accounts with account numbers XXXX ... and XXXX .... First, there should be payments provided from XX/XX/XXXX thru XX/XX/XXXX. These accounts are closed with {$0.00} balances. The Fair Credit Report States credit bureaus ca n't have negative accounts on a credit report for longer than 7 years. It Does Not State the accounts Must remain on the credit report for exactly and no later than 7 years. So basically, it 's up to Equifax here on how long these accounts will remain on my credit report. These accounts were originally opened in XX/XX/XXXX. I realize the accounts were updated XX/XX/XXXX. However, I had XXXX accounts with XXXX XXXX XXXX that were open I believe in XX/XX/XXXX and XX/XX/XXXX. These accounts were included in the Chapter XXXX XX/XX/XXXX. Well, I believe some time in XX/XX/XXXX, these XXXX accounts were removed from from credit reports. I never challenged the accounts. Equifax took it on their own to delete these accounts after only 4 years. The XXXX accounts have negatively affected my credit report for almost 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I noticed unauthorized inquiries on my credit report that I would like removed. Also informed that according to the FCRA these unverified and unauthorized items must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rent recovery Solutions is reporting a debt to the credit bureaus in which I do not owe. I do not have a contract with this company and have never done business with this company. 

On XX/XX/XXXX I sent Rent Recovery Solutions a debt validation letter to investigate this debt in which they responded on XX/XX/XXXX with a printout of charges of {$750.00} from an apartment complex " Peachtree Landing '' from XXXX. 

The letter with the printout of charges doesn't have my signature nor the signature of the person that created the letter " XXXX XXXX '' and said charges. I never knew anything regarding these frivolous charges. 

I also asked for a Consumer Signed Contract between myself and Rent Recovery Solutions, any judgment that they have against me, why they think I owe them money. I never received any of that. 

I called XXXX XXXX and asked to speak with XXXX XXXX and was told she no longer worked for the company as of XX/XX/XXXX. 

I spoke to the manager at XXXX XXXX and asked her to verify the debt. I was told by the manager that they could not verify the debt as the property was sold to a new owner as of XX/XX/XXXX. The new owner of the XXXX is The XXXX XXXX. 

I called XXXX Landing again and spoke with the Assistant manager XXXX and asked her if she could verify the debt and was told the same thing that they couldn't verify the debt and I do not owe them any money. 

I called the former owner XXXX XXXX XXXX and spoke to someone in both their New York and XXXX office. I asked them if they could verify the debt and provide me with documents of said debt. Both offices stated that they could not verify the debt nor provide me with any documentation of debt due to not owning the property anymore. I was told that XXXX XXXX XXXX does not own any interest in XXXX XXXX. 

After investigating this matter myself I sent Rent Recovery Solutions a followup letter on XX/XX/XXXX asking them to delete this debt from my credit file as they did not do their due diligence and investigate. 

I also informed them that I contacted both companies in which neither company could verify the debt. In my letter, I asked Rent Recovery Solutions who do I supposedly owe money to if both The Harbor Group and XXXX XXXX XXXX are saying they can not verify the debt and I do not owe them. I never received a response back from Rent Recovery Solutions and they are still reporting this frivolous debt on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
All the items in question are on my XXXX Report. They have already been taken off of my XXXX Report. The following companies have run my credit, and I do not have any business with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Navy FCU - Hard Inquiry on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Navy FCU - XXXX XXXX on my XXXX report - XXXX XXXX, XXXX XXXX. XXXX XXXX - XXXX XXXX on my XXXX report - XXXX. XXXX, XXXX XXXX. XXXX - XXXX XXXX on my XXXX report - XXXX. XXXX, XXXX XXXX. XXXX  XXXX XXXX - XXXX XXXX on my XXXX report - XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX - XXXX XXXX on my XXXX report - XX/XX/XXXX XXXX. Navy FCU - XXXX XXXX on my XXXX report - XX/XX/XXXX XXXX. XXXX XXXX - Hard Inquiry on my XXXX report- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my house flooded. Insurance company and adjuster came in. They did the evaluation and submit the claim. The check was was sent to Shellpoint Mortgage Company because the house has not been paid off yet. The received all documents that were requested on XX/XX/XXXX for a check that was for under {$40.00}, XXXX. According to the letter sent the process would take 7-10 days to process. XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX calls were made to check on the process. Now at day 21 still no check. Each call made I was assured that all paperwork was completed and it was being process. XX/XX/XXXX had had enough. Then on that day I was told that a materials list was going to be needed. Call again on XX/XX/XXXX ( 25 days later ) still no check. I was told that I would only get 25 % of the amount until material list was given. I was mailed a check of 25 % of the amount. The contractor is requiring 50 % to order and start the project. So, again as requested and submitted paperwork that was received by ShellPoint on XX/XX/XXXX. Here were are XX/XX/XXXX and still nothing. This check was made out to fix my house not for ShellPoint to keep in the escrow account. What good is a check sitting there and my house is broken and a disaster.!!!! This is totally unacceptable by a mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: NV
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the XXXX and Equifax credit bureau doesn't care at all that I want to dispute unauthorized inquiries that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiries removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation