BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, 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:
My identity was stolen I did an form with identitytheft.gov I have the PDF multiple accounts was open in my name with credit cards and auto loans and multiple hard inquiries that I didnt authorize my wallet was stolen with all my identity information like social security card and driver licenses and more also there are multiple addresses and employment information and phone numbers on my credit report thats not mines everything is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the information with all three credit agencies several times and they have not done a proper investigation into XXXX XXXX XXXX. I sent them a letter directly and I received a reply back please see attached. Please have them remove the information off of 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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the information with all three credit agencies several times and they have not done a proper investigation into XXXX XXXX XXXX. I sent them a letter directly and I received a reply back please see attached. Please have them remove the information off of 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 explanation
Consumer complaint received 2022-05-26
Company: Synovus Bank
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:
I have a legal right to dispute anything on my credit report that was not authorized by me.. 
The following account are mines and are reporting in a negative way on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXXU.S. DEPARTMENT OF EDUCATION # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Santander fraud was opened on XX/XX/2020. I have tried contacting this company several times via affidavit of truth sent directly to the consumer relations department over the past year and they have not sent me the title to my vehicle or my information which has been reporting to the consumer reporting agencies, even after I have sent them numerous notarized documents proving that this alleged debt did not belong to me and was a part of identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: WELLS FARGO & COMPANY
State: NY
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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: CA
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

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 2022-12-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I discussed my huge increase on monthly payments with a loan specialist through the mortgage holder and when I done the math on the figures he gave me it didn't add up to the amount I'm paying monthly. When I asked about the extra charge they said the didnt have a specific answer to my problem. Also I have been receiving information on them continuously adding more to the total cost. They ask me to provide documentation to prove the unexplained increasing on my payments/total cost. The most recent monthly statement has a XXXX fee that doesn't explain what it's for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was looking up my credit. I have 3 cards that I or my fianc never opened. 2 capital one cards. That I never gave permission to anyone to open any credit cards in my name. The cards in my name that I did not open are XXXX XXXX XXXX. I even disputed the withdrawal in my checking account. I never opened this card, dont own this card, no one never had my permission to open this card. The 2 capital one cards. I disputed payments coming out of my account. I do not want any charge cards in my name. I pay for cash in everything. Everything I own, has been paid in cash. I also realized I have XXXX XXXX  Again I never gave anyone permission to open any cards in my name. I have XXXX XXXX XXXX XXXX XXXX. Everything else never had my permission XXXX, 2 capital one, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 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.

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 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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've sent disputes to XXXX, Transunion and XXXX. Their not holding up to the law with the 30day demand to comply. I sent in disputes neither is responding to me, and getting back with me with my results of their investigation.

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 2018-08-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 I put my debit card in the ATM machine at Chase Bank at XXXX XXXX XXXX XXXX. XXXX, TX XXXX ... .I did a cash withdrawl for {$300.00} ... ..I was charged a {$3.00} free and the ATM did not dispense the cash and also debited the amount from my bank account..The door did not open and I did not get a receipt ... .It is on camera ... I tried to speak with the manager and all he told me was to dispute it eith XXXX XXXX  ... .I feel that machine should have been taken out od service ... .Now I am being inconvenienced by having to file a dispute and being told I cant even grt a refund for possibly 90 days by XXXX XXXX because it has to be investigated ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX XXXX XXXX reported a late payment on my account that they indicated was only 3 days late. But shows us 30 days late. My real concern is that I'm being discriminated against because I'm XXXX. And XXXX years this is the first late payment that I have had on my credit report. My score was XXXX. Now it's XXXX. That is a tremendous decline in my score for just XXXX late payment. I feel it was totally discriminatory and this would not have occurred to anyone else who was white. I can not get an explanation as to why other than the system that's called XXXX score XXXX determines what my score will be. It took quite some time for me to get a score as high as I'd hand which was XXXX for it to suddenly decline to a XXXX. This should be a better way of informing a person why your score is affected so dramatically with no explanation other than blaming it on the computer system that they authorized. I think this is a direct violation to the XXXX equal credit XXXX. Has been well documented at these practices have been done for quite some time when it comes to credit for XXXX people versus others. I'm hoping that you can help me in trying to resolve this issue with all three credit bureaus. I work very hard to establish my credit for it to be damaged so harshly with no cost. Once again I've only missed XXXX payment in 2 years and my score drop close to XXXX points. I can see no justification for this action by the credit bureau. Please help me resolve this issue so hopefully it will not happen to other people. 

Thank you in advance for your assistance

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 2022-07-12
Company: NCB Management Services 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: Account status incorrect

Complaint:
I am trying to remove NCB Management Services from collections in all three credit bureaus as they have no validated proof of my signature on any documents and they will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
Please remove these accounts off of my credit report, I did not authorize these accounts nor did I open them. I was incarcerated for 9 years and just recently was released XX/XX/XXXX therefore impossible for these accounts & inquiries to be mine. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX {$650.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$530.00} XXXX XXXX XX/XX/XXXX {$800.00} Inquiries 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, 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:
The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX Date Updated : XX/XX/XXXX SELF EMPLOYED Date Updated : XX/XX/XXXX INQUIRIES : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, 2022 XXXX XXXX  XXXX Balance XXXX {$130.00}

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 to Transunion Consumer Solutions disputing inaccurate information the bureau is reporting on my consumer report. 30 Days have passed and they have not responded and provided any finding from their investigation. On XX/XX/2022 I sent by certified mail a 30 day demand to comply letter in regards to the bureaus failure to uphold the law and comply with the legal time given to them for an investigation. They still have not responded or provided findings from their investigation

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the quick deletions of the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-12-04
Company: NCB Management Services Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
-- -- -- UPDATE TO CLAIM # XXXX -- -- -- - MANAGENEBT SERVICES XXXX has responded to my CFPB complaint stating that they have NOT attempted to collect any debt and that they disagree with my claims on their violations under the FDCPA. 
MANAGENEBT SERVICES XXXX according to their response has removed themselves from liability under the violations of the FDCPA which they remain liable to pay remedy under 15 USC 1692k. Notice it is a fact MANAGENEBT SERVICES XXXX has sent a letter REQUESTING PAYMENT OF AN ALLEGED DEBT even tho they state they have not attempted to collect any debt. MANAGENEBT SERVICES XXXX has violated multiple federal laws under FDCPA and has been put on notice by AFFIDAVIT and demanded under 15 USC 1692g to validate the alleged debt to which they state they will no longer attempt to collect which leads me to believe this was an attempt to make an extortionate extension of credit by trying to collect money on a CONSUMER FINANCE CHARGE which is a violation under 18 USC 892 and is in fact committing RAKETEERING which is a violation under 18 U.S. Code 1962 -RICO. MANAGENEBT SERVICES XXXX is here by put on NOTICE of Federal Violations Under the FDCPA and under RAKETEERING for attempting to collect money by obscene matters and attempting to make an extortionate extension of credit and has lied in their response stating they have not attempted to do so but in fact have done so as shown in EXHIBIT A. I am willing to settle this matter IN GOOD FAITH if MANAGENEBT SERVICES XXXX pays I the consumer by cashiers check only in the amount of {$20000.00} to address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for the violations under the FDCPA under 15 USC 1692k and for showing lack of regard and respect to I the consumer and Consumer Financial Protection Bureau by lying.

Company response to consumer: Closed with explanation