BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my 13th 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 an 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

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 2023-03-04
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:
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 2019-07-22
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
COMPANY MR.COOPER ( AKA NATIONSTAR ) HAS NOT CREDIT MY ACCOUNT WITH {$3600.00} THAT THEY MISTAKENLY PAID ANOTHER HOMEOWNERS INSURANCE POLICY. 
SPOKE TO THEM ON XX/XX/2019 AND WAS TOLD THAT THE MONEY WAS GOING TO BE CREDITED INTO MY ACCOUNT ONXX/XX/2019.THEY LIED SINCE THE MONEY ISN'T THERE. 
ISSUE BEEN GOING ON SINCE EARLY XX/XX/2019 AND THEY ARE PLAYING GAMES WITH MY MONEY. 
WANT MY MONEY BACK ASAP.THIS ISSUE IS HURTING ME FINANCIALLY SINCE IT SHOWS THAT I AM NEGATIVE ON MY ESCROW INSTEAD OF BEEN POSITIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC
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:
Pulled personal credit reports due to trying to buy a house or even rent. Found Fair credit and Out with a partial account # on credit reports for {$3400.00}. Called to get online access to view what the account was for and some kind of verification/validation of the debt. The lady I spoke with asked for basic information and to verify who I was. She provided me with a username- which was ( XXXX ) and then a pin that was XXXX numbers ( XXXX ). She then stated it was a debt for XXXX Rentals and ends the call. I went online and there was no direct information In regards to the debt at first it was personal information that was listed to identify the owner of the debt, some of the information was my personal information but then I noticed addresses that were not mine and have never been mine, along with other mis information like multiple phone numbers not mine. I didnt have an option to even update my information if I had wanted to let alone able to validate the debt. Beyond that page there was a page that showed the same basic info debt {$3400.00} and account # which was the numbers I was given as the acct username. Since my kids and myself are homeless I tried finding more detailed information, options to settle or setup payment arrangements but there was just an option to pay the he debt. No charge descriptions beyond XXXX. My call and subsequent login was XXXX XXXX. Ive received no letters by mail and no one has contacted by phone even prior to my call from Fair Credit and Out. This debt on my reports is causing my family to continue being homeless. I did record my phone call on video to ensure I was able to verify info. As well as recorded myself logging in. On XXXX XXXX I attempted to login using the same information as this is the only debt currently being stated as a block for my family being approved to rent, the login doesnt work, I recorded me attempting to login from different devices including computer and it states my account information is incorrect. I check my credit reports and they still show XXXX ( Transunions name of agency ), XXXX ( XXXX agency name listed ), and Fair Collections & Out ( XXXX agency listed ) last updated balance date XX/XX/2023 still showing {$3400.00} So I dont understand how my login I was provided is inaccurate. Im also unable to have addresses that arent mine dispute and removed with credit bureaus due to them stating tied to the collection account for this company so its creating a fraud trigger or unverifiable identity with landlords and such.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint myself, regardless of the multiple written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following items are fraud that are needs to be removed : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$1600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. 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 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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-23
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
XXXX XXXX XXXX  XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and Sincerely, 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 2022-05-16
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for assistance from XXXX  XXXX XXXX, an HAF grant program, in XX/XX/2022 and was made eligible for assistance in XX/XX/2022. In order to receive up to {$40000.00} in assistance, Specialized Loan Servicing ( SLS ) signed a Collaboration Agreement with XXXX  XXXX  XXXX  on XX/XX/2022, and received credentials to send all necessary paperwork in by XX/XX/2022. 

I've spoken to SLS several times and received conflicting responses about my application; one person said they hadn't received the request for paperwork from XXXX  XXXX XXXX, and one person said they did receive the request from XXXX XXXX XXXX  XXXX XXXX XXXXXXXX said they submitted all requirements and requests to SLS, so I don't why SLS has conflicting responses about my application. 

If SLS doesnt send the requested paperwork as soon as possible, the total amount past due will increase beyond {$40000.00} on XX/XX/2022, and I will be made ineligible for HAF assistance. Further, because Im in foreclosure, SLS pas a policy that wont let me make partial payments to the total amount owed; if SLS would let me make a partial payment, I can keep the total amount owed under {$40000.00} and XXXX XXXX XXXX  can bring the mortgage current. I have provided sufficient documentation to SLS to prove I can make regular monthly payments once SLS allows XXXX  XXXX XXXX  to pay the total amount owed.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information on my credit report.

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 2023-08-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-04-09
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent the Convergent Outsourcing a certified letter asking for proof of verification and all I received was a bill

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 2022-04-09
Company: EQUIFAX, 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 of XXXX XXXX, XXXX Dept of XXXX XXXX, XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Experian Information Solutions 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:
All THREE Credit Reporting Bureaus- XXXX , XXXX  and Experian are FALSELY reporting an Unverifiable Bankruptcy that has been REMOVED from my XXXX XXXX XXXX by XXXX XXXX since XX/XX/XXXX. 

I have disputed the Bankruptcy Report several times with ALL 3 Bureaus to NO AVAIL.It is Fraudulent Reporting. 

I have submitted the Removal VERIFIED BY XXXX XXXX DATED XX/XX/XXXX TO all 3 Credit Reporting Bureaus. 
I have a copy of my XXXX XXXX XXXX XXXX  Dated XX/XX/XXXX. 

All Three Bureaus Refuse to remove the Bankruptcy stating it has been Verified by XXXX XXXX. 
NONE OF THE CREDIT BUREAUS HAS REQUESTED A RISK VIEW REPORT UPDATE IN MORE THAN 22 MONTHS AS REPORTED TO ME BY XXXX XXXX. 

I was denied an Automobile Loan in XX/XX/XXXX because of the bankruptcy. 

Further All 3 Bureaus indicate my 'oldest ' credit account is 4 years old ... I have credit cards that are 8-12 years old and perfect credit.

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 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2023 XXXX pm, a Bank of America XXXX XXXX Banking Account that ended with XXXX was opened successfully without my knowledge and consent. 

XX/XX/2023, subsequently, a new online profile was established, a change of contact request and an Online banking password reset were made successfully. 

XX/XX/2023 subsequently, I called BofA Fraud Dept and was given a claim with XXXX. 

XX/XX/2023 XXXX, I received email alerts that my user ID was looked up, contact info was updated and password was reset. 
XX/XX/2023, following the event above, I called BoA Fraud dept and removed the foreign contact info from my account. 

XX/XX/2023 XXXX, again, another Bank of America XXXX XXXX banking Account that ended with XXXX was opened successfully without my knowledge and consent. new online profile was established and contact info was updated. 

XX/XX/2023 following the event above, I called BofA Dept and was given a claim w case XXXX. 

Have not heard any feedback since.

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 2021-06-17
Company: Google Compare Credit Cards Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During XXXX of 2021 my bank account was hacked and close to {$1200.00} was transferred out without my knowledge. The theft was accomplished through Google 's automated payment system that links XXXX account to XXXX XXXX. In order to make purchases from XXXX XXXX, Google requires a Bank account/debit card/credit card linked to the email account. After being able to log in to the email account the perpetrators were able to accept a device through email as legitimate, and therefore authorized to conduct various financial transactions on XXXX XXXX. If an automated notification regarding unknown device ever was sent, it was accepted and subsequently deleted without my knowledge. 
After filing a fraud report with Google, I closed the account, canceled the debit card and notified my bank, XXXX. The bank debited my account ( cash/bank is an ASSET account, normal balance is DEBIT ), assuming until the matter was resolved. 
After some time ( 10 to 14 days ) Google denied my claim, claiming " the purchases were made using an email account with all the correct information '' XXXX XXXX removed ( credited ) the abovementioned cash from my account WITHOUT NOTIFING ME FIRST.

Company response to consumer: Closed with explanation