BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX  accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it 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 explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 1st 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/delete the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
Company: WESBANCO BANK, INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
So, I used to have {$14000.00} in my account and when I had gone to check how much was in there... There was only {$4000.00}. Now I'm aware of who is taking my money because they are the only other person who has access to my account but- they are only the payee on the account. So when I took the remaining cash out to make sure that it stayed safe... Right after I have been getting harassed by Wesbanco to send my money back into the account and if I don't they'll have to call the police. Which I had put {$2500.00} back in on maybe XX/XX/23 and right after I had gotten violently ill so I had just handed the cash to my mother ( the one stealing the cash ) and went back home. I had told this to Wesbanco yet I am still being threatened with police and being harassed if I do not " pay up ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company stole my insurance money. 

We've been dealing with this since XX/XX/XXXX. Have already demanded and completed the post-loss inspection and submitted XXXX and other internal documents. They requested an inspection ( completed XX/XX/XXXX ). 

They still have refused to sign or endorse check, even though their own completed inspection report says that the mortgage company will place no liens or holds against the property. The money is my property. They know this and are intentionally refusing their endorsement and will soon make the insurance proceeds useless. My check is set to void XX/XX/XXXX and still there is no definite timeline of when, or if they will allow, the check to be deposited. If that happens i've lXXXX XXXX XXXX XXXX XXXX XXXX directly by the company 's actions even AFTER complying with their contracts and terms and we'll be left with no options. 

The mortgage company has decided to keep my money they have no legal or contractual right to, and we are concerned that the check will void before they ever do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
Transunion is reporting inaccurate information for account XXXX XXXX XXXX. I do not think an investigation was done because the creditor informed me that Transunion has not reached out for any information. Lastly, the credit bureaus are reporting inconsistent information which is clearly a violation of the FCRA- all data furnished should be accurate. I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 16811 e b maximum possible accuracy if this account is not removed from my credit report 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 2023-02-14
Company: Foursight Holding LLC
State: NC
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:
XXXX, XXXX, XXXX & FOURSIGHT CAPITAL fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given FOURSIGHT CAPITAL, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Credit Control, LLC
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 went to my post office box to find a letter from Credit Control LLC informing me of a debt I owed back in XXXX XXXX XXXX or better yet XX/XX/2004 this should not be even be brought up anymore it's been way past 7 years so I don't know if this company is tangible because around tax time I get fraudulent calls threatening me to take me to court about various things I owe don't ever identify themselves or anything and I find it strange that this company is like being on a debt owed back in 2004 they have threatened to sue me if I don't answer hopefully after you inform them that they have no legal action with this debt you will prop them the respond 2 me that is been canceled and no further contact will be made

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion continues to report an alleged debt that has not been validated as belonging to me. 

Transferring a contract does not give XXXX XXXX rights to collect from the contract therefore Transunion is unable to report such a collection account. 

I have the right as a federally protected consumer to opt out of this information from being reported. 

162.6 Reasonable opportunity to opt out.

( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are 3 different collection accounts reporting to my Equifax consumer report from the collection agency XXXX XXXX XXXX. I have disputed all 3 accounts with Equifax and in return they were deemed Verified and Accurate which is false. I am currently in violation of my rights because XXXX XXXX XXXX is currently UNLICENSED in the State of Florida to operate as a collection agency and I am Resident of Florida. I verified this information by first visiting website https : //flofr.gov/sitePages/verifyalicense.htm where i found that the company is registered in that State of Georgia. I then went to website XXXX XXXX XXXX  to see what states they were registered as a collection agency in and they are NOT REGISTERED/UNLICENSED as a collection agency in the State of Florida. I have attached the screenshots of the webpages with the licensing information that was listed on sites.

The FCCPA, requires all debt collectors to be registered with the State of Florida. Florida Statute 559.553 states 559.553Registration of consumer collection agencies required ; exemptions. ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. ( 2 ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. 559.555 Referenced from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached my drivers license photo as well to show Florida residency. 

Per Florida Statute XXXX XXXX XXXX is not allowed to collect any debts in the state of Florida and is illegally reporting these 3 accounts to my Equifax Consumer Report.

I have also attached my drivers license/id card and utility bill as proof of residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I TOOK OUT STUDENT LOAN IN XXXX, MY 1ST DELINQUENCY WAS XX/XX/XXXX, THUS THE STATUES OF LIMITATION HAD EXPIRED ON XX/XX/XXXX, SEE OLD XXXX  AND EQUIFAX PROVING SUCH. XXXX  AND EQUIFAX KEEPS IGNORING THE LAW. THAY ARE BREAKING THE SOL AND THE DODD FRANK WALL STREET REFORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
An unauthorized address change was made on my credit card. Then an unauthorized charge was made. I called the credit card company and the address was changed back to my address. The credit card was canceled and a new card was issued. Checked my credit report and this new address ( out of state and unauthorized ) was listed on my report. Filed an account alert on all 3 credit companies and was advised to file on this site also.

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 monetary relief
Consumer complaint received 2022-04-12
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Tiaa bank made an error when reporting my credit as they transferred my mortgage to XXXX bank. 
As a result of TIAA 's reporting error my credit score dropped XXXX to XXXX points in all credit repositories. 
I tried to resolve this on the phone and TIAA 's representative said that TIAA bank no longer has a mortgage department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hello, I received a call on Friday, XX/XX/2020 and the caller said he was XXXX XXXX from XXXX XXXX ( this is my car insurance office ). He asked three times if I was XXXX XXXX and I said yes, I am -- then the call hung up. I called the number and got Portfolio Recovery Service. Then I called my XXXX XXXX office and confirmed I had not received a call from them. 
The caller misidentified himself on purpose in order to confirm my phone number is correct ; isn't this illegal? 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Reliable Auto Finance, 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:
XX/XX/2020 A dispute was filed letting the credit bureaus know that there was an accurate information on my credit report with 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 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of a mortgage related wire transfer fraud. I was scammed to send {$10000.00} to the scammer. 

- Day of the scam : XX/XX/23 - Amount : {$10000.00} - Scammer 's Bank and account they use : XXXX number : XXXX Account Number : XXXX Account Name : XXXX XXXX The wire transfer was initiated by me, from my bank XXXX, to the scammer 's bank i.e. Bank of America. My bank XXXX is in the process of trying to get my money bank and I do not have any issue with them. 

My complaint is against Bank of America. I called BoA to create a BoA case to report fraud occur with their account number. I was pretty much told by the rep the originating bank XXXX XXXX XXXX will handle all fraud complaints with BoA. I, as the offended party, could not create a case, or some sort of record with BoA. 

When I asked, what if any steps, are going to be taken against the account, I was told my local police had to call BoA. In short, I, as a consumer, am not able to create a case with BoA. 

- I was deeply upset that BoA is not interested in preventing fraud. 
- They appear to be fine with being complicit in fraud. 
- I have no hope or expectation BoA will take the next steps to close down this fraudulent account and stop or prevent this activity moving forward. 

Either # 1 the scammer is XXXX XXXX, and BoA are knowingly aware of this fraudulent activity, or # 2 scammers can simply open fraud accounts with BoA under false names and BoA systems are so poor they can not detect this fraudulent activity. 

Details - BoA complain - I called this number ( XXXX ) which is Bank of America Fraud department. 
- I called on XX/XX/23 at XXXX XXXX CST - I spoke with the BoA rep : XXXX no last name, ID number : 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