BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

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 2023-10-12
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this information reported is erroneous/false and damaging to my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -VIN- XXXX Salvage Car Totaled and paid off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: NCB Management Services Inc.
State: NC
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:
XXXXXXXX XXXX and NCB management service which is the same debt!! However XXXX XXXX was apart of multiple state class action lawsuits were the judge ruled in the consumers favor that XXXX XXXX had to buy back or cancel the debit of all the subprime loans and pay restitution to the consumers! I was apart that lawsuits I have received my check however the debt is still on my credit report plus they sold the debt to NCB management Service and it on my credit in fact its still in collections in they are trying to collect the debt from me however the judge rule that XXXX must buy back the debt in wipe it from my credit that hasnt happened! Total amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent letters out via first class mail with tracking on XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( EQUIFAX, XXXX, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not remove this innacurate accounts, an arbitration will be filed and sent out to all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-07-20
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
This is my 2nd 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, MN XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX Balance : {$5300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX Balance : {$5300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-07-26
Company: EQUIFAX, INC.
State: MI
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:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on XX/XX/2023. Equifax is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. XXXX came back stating XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. XXXX stated XXXX, XXXX are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all XXXX credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I cashed a cashiers check for services performed from an individual and it bounced, now my bank is not honoring my deposit and took the money from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been following very closely the activities of my mortgagee, 5/3 Bank. After I complaint about them in regards to the handling of my mortgage deferment, and more than 10 phone calls, the case was finally solved.

I tried to set up auto-pay and log in into my online banking account. To my surprise, 5/3 reinstated two Equity Lines in my name and started reporting since XX/XX/XXXX. 
I am attaching the statements of these accounts. 
The first Equity line of credit account number ending in XXXX is said to have started XX/XX/XXXX, and has a balance of {$11000.00}, no information on next payment amount and a payoff amount of {$19000.00} The second Equity Line of credit account number XXXX states that the account was started XX/XX/XXXX and has a balance of {$25000.00}, no information on next payment amount and a pay-off amount of {$43000.00}. 

Please note that I filed bankruptcy in XXXX and requested a loan modification to retain my residence. Any debts associated with my property at XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX were consolidated in a new mortgage loan # XXXX. According to the XXXX website attached statement, the balance due in this account is {$110000.00}. 

However, the account shown in their Loansolutionscenter.com shows a balance of {$130000.00}, as shown in the attached statement. 

I called their Customer Service department and I was transferred 6 times. I was on hold for more than two hours between transfers talking to one person and then another, who will continue transferring me to someone else. One of their agents told me that they could see that my bankruptcy case was discharged in XXXX and the accounts were discharged. She could not explain why the accounts appear as active now and were started to be reported in XX/XX/XXXX. 

I was forced to file bankruptcy Chp. XXXX in XXXX which was discharged XX/XX/XXXX. I am attaching a copy of the discharge. 

None of the Equity Lines of Credit should be showing in my account, and the mortgage balance should show the correct amount after the deferred amount was added.

I want the Equity Lines to disappear from my account and the mortgage loan to show the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/XXXX, I received an email from XXXX XXXX XXXX alleging that I had recently completed an online application for {$2000.00} and as a result was matched with them. I was advised that the nearest XXXX branch was located at XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. After receiving this email, I received a message from XXXX, an identity theft protection service through which I am a subscriber that a credit inquiry was done by XXXX XXXX XXXX. The Lender was XXXX and the source was Equifax. I contacted the XXXX branch in XXXX and spoke with the branch manager " XXXX. '' She indicated that an application using my personal information had been initiated and that XXXX uses Equifax. I informed her that this was a fraudulent application and an attempt to commit identity theft. In addition, I requested a copy of the application. She said a copy would be emailed to my attention. However, I have not received a copy of the application. Additionally, she advised that someone from XXXX XXXX security division would be contacting me to start an investigation. That has not been done. I have filed an earlier complaint against XXXX XXXX XXXX for breach of personal information. That complaint filed before the CFPB was in XXXX ( XXXX ). At that time personnel from the XXXX, MD branch of XXXX disclosed information contained in my credit report to a third party without my authorization. While I have filed a dispute through XXXX in relation to this fraudulent application, I do have concerns about the unauthorized inquiry attempted by XXXX through Equifax and if it was an attempt to disclose personal information to a third party or if a third party utilized XXXX in order to obtain my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-01-02
Company: Southwest Credit Systems, L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
About 6 years ago, I got tired of XXXX randomly changing monthly payments without notice. I called them to canceled but they told me that I was already prepaid for the upcoming month ( since they pre-pay the account a month in advance ). I told them to tell me what that date was and to close the account a day prior and I would sent it in their equipment. Few days before the closing date, someone from XXXX called me to incentivize me ( offering a deal ) not to cancel the account. I contemplated but ultimately told them I still wanted to stick with my cancellation. I turned in the equipment a few days later, as we had agreed. But of course, about a month later, I still get a bill as if I never cancelled. I spent almost an entire day on the phone with them and they apologized as they realized that their representative had given me the wrong date AND the other representative had removed my cancellation all together!!! Many hours of being on hold and being transferred to a manager, they acknowledged that they have received the equipment and acknowledged that I couldnt have been using their services and it was their misunderstanding. It was assured that they corrected everything and that if I got another bill, I can ignore it until the system sees the adjustments. So I received a bill once more and nothing after that just like they had said. So I trusted that it was all over with. Almost a year later I got a collections letter!!! I cant remember all the details since that point because Ive called collections and Ive called XXXX multiple times. Each time, they put me on hold for about an hour, tell me Im right but that they need a manager to fix it and by the time the manager comes on, they change the story and say I still owe this amount. Ive spent so much effort and they cant even acknowledge that if its confusing to their own representative over all these years, how can they be sure I owe this amount when they have the notes from when I called to cancel and the equipment was received!! I cant see all that they see to help them understand that I did everything they asked me to!! At this point, my main complaint is that they keep removing the report every 1-2 years and give it to another creditor which reports it as a new delinquent account. If it has to stay on my credit report, can it at least show the factual correct date of the delinquency which is around 6 years old and not just 1-2 years old?? Is this even legal to change the dates to appear as a new delinquent account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: MN
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 checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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