BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: AL
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 disputed a loan I didn't authorize, sign or agree to. All money that was sent to me as a way to be subject to accept such loan was sent back through a federal bank with tracking numbers to verify they have all funds back in there possession. This loan needs to be taken off my credit reports asap.

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 2023-10-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Experian shows credit cards on its website to apply for. I applied for XXXX credit card and was approved. XXXX sent me a card, but I was unable to activate it. I called their customer service. They said there was a hold until I submitted documents to verify who I was. I submitted the documents. I called a few weeks later. They had never called me to tell me there was a problem with one of my documents. They claimed the address on the utility bill I submitted did not match the address they had on file for me, which is not true. They sent me a bill which had a XXXX XXXX yearly fee included. I called them and said it was not fair to bill me for a card I could not use. They were unable to help me resolve the situation with my utility bill. I closed the account.

Two other credit cards on the Experian website required upfront fees of {$95.00} as part of the application process. 

I believe all of the credit cards that Experian offers are scams. I feel I would have opened these accounts, spent the money on the yearly fee, and never had a card to use. 

Experian profits from these credit card applications. Shame on Experian. 

I did email Experian with my complaint but never heard back. I also put negative reviews on a survey Experian sent me. But I think the Experian " customer service '' survey is just a ruse to identify products to offer and profit from. 

Experian is just out to make money and does not card about its customers.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Submitted a loan forbearance in XX/XX/XXXX due to hurricane Ian and Nicole. During the months of XXXX and XXXX our credit report showed late. I called in XXXX and was advised it would be adjusted. XXXX was marked paid, XXXX was reporting late again. XXXX I called again, they said they would fix the problem. Again, fixed and then immediately report late for the following month. Removed forbearance in XXXX of XXXX. Spoke to customer service who advised me that it would take 2 weeks to review the file and we will be notified if the payments are added to the end of the loan. Come XXXX we still see no change to the balance owed, called multiple times with all different answers. Finally advised I need to fill out the loan modification documents. Completed that on XX/XX/XXXX. After multiple requests for our forbearance and for credit report to be fixed, neither have been done.

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 2023-02-01
Company: Cascade CISS Holdings, LLC
State: FL
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:
I am responding to your recent response to my dispute of inquiry 's on my credit report. I chose xactus as that is what shows on my report. You stated that XXXX XXXX XXXX XXXX pulled credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Then, client XXXX XXXX pulled credit report on XX/XX/XXXX I See XXXX RE ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AS well as there being XXXX on XX/XX/XXXX. 

These are the inquiry 's I'm reporting as ran fraudulently and unknown to me. I'm requesting they be removed ASAP due to the nature. Im requesting any proof i authorized this to be run and any information to go with that. I did not run these reports and can assure i didn't authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Name : XXXX XXXX Address XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX Dear Sir/ Madam Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Social Security 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 2024-01-08
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-12-16
Company: CarMax, 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:
Notice of fraudulent tradeline Activities ( Carmax Auto ) Chargerd off an Consumer Credit Transaction and Now trying to Collect of an alleged debt that they Charged off. In the Amount of {$17000.00} they are trying to collect which is tax Fraud and the Proper Authority has been contact. They have Inaccurate information of my Credit File with ( XXXX, XXXX, XXXX ) I demand the information be Removed immediately 15 U.S. Code 1681n - Civil liability for willful noncompliance By Not do so your in violation of State and Federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2023-10-02
Company: Nu World Title, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Nu World Title LLC XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX dispensed XXXX cash of the sale of the property that was deeded from XXXX XXXX and XXXX XXXX XXXX ( XXXX ) to XXXX XXXX and XXXX XXXX without due dilligence to check there is a lawsuit and lien filed in NM against XXXX XXXX and XXXX XXXX for XXXX. XXXX doonot look under XXXX XXXX XXXX the second judicial district court did not index XXXX XXXX in the XXXX XXXX XXXX, however XXXX  XXXX is indexed, however she used XXXX XXXX when she closed and then the name was crossed out and corrected to XXXX XXXX at closing. It is negligent to not ask if the " sellers '' had a lawsuit in NM before dispensing cash. XXXX  XXXX XXXX and XXXX are suing them, and they want to come against our residence for a fraudulent " modification '' refinance that they did in XXXX to XXXX without our permission and knowledge. WE paid the arrearages and all closing costs when we bought our residence in XXXX because the sellers " borrowers of XXXX '' said they were destitute, to find out they bought adn sold over 5 properties in XXXX, reason why we suied them in XXXX XXXX  and balloon payment was annuled and they had to bring the account current, they did not fulfull theiur obligation signed and settled in court and cause an action in nm in XXXX. It looks like the bank only sent XXXX to the court registry abnd about another XXXX are embezzled betwee banks and borrowers. We were contacted by HUD to make a fraud complaint, and done. The. borrowers had no business ecumberring a property they did not have equity standing and then bail. 
the bank missed collecting from XXXX in the sale of this home with the XXXX  company cash funds. 

XXXX XXXX and holthus and XXXX  XXXX XXXX have no business extorting a XXXXXXXX XXXX ( XXXX ) lady with a XXXX and misaappropriating funds that were destined for the payment of th eoriginal XXXX loan. These people caused a mess and duress and emotional physical and economical harm to an innnocent purchaser of value. 

What kind of " title service " this companies are doing " and what kind of abuse are tehy willing to exert on a fragile woman like my mother, and I, to jsut find a " scapegoat '' to their negligence. 

Please collect from the responsible parties on the properties and assets that your " borrowers '' possess and can encumber.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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:
This is my Multiple requests 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX... Balance : {$1700.00}

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 explanation
Consumer complaint received 2020-11-11
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company sent a notice with only a Doctors name, no information about services or dates, and an amount of {$200.00} I requested an explanation and they sent me a ripped off payment coupon marked up with highlighter, red pen writing all over it, and different information! 
There is obviously confusion about this bill and they are nor providing a verification of debt!

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 2021-07-24
Company: Colony Brands, Inc.
State: TN
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:
Earlier this year I checked my credit profiles and noticed a XXXX XXXX credit card on there that was supposedly opened in XXXX. Ive never had a XXXX XXXX credit card. Ive mailed certified letters to them 3 times between XXXX and XXXX of XXXX and have not heard back from them ( I have proof of delivery all 3 times ). Ive spoken to 3 customer service reps. They are not even attempting to resolve this issue. They continue to give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid 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:
Citibank credit card XX/XX/XXXX XXXX XXXX XXXX NY {$1200.00} XX/XX/XXXX XXXX XXXX XXXX NY {$56.00} I was on vacation in XXXX from XX/XX/XXXX to XX/XX/XXXX and I had this credit card with me. On XX/XX/XXXX I saw 2 charges that I did not recognize, I contacted citibank via online chat since I could not call while out of the country, they told me to call customer service when I got back to file a fraud dispute. After I filed the dispute, they told me to wait 3 billing cycles, I did not receive any information/requests from them during this time. I called back in XXXX to check on the status of this dispute and they told me that the case was closed and I had to pay for these charges because the card was in my possession and the emv chip was used. The representative also told me that I was mailed a new card in XXXX but I never received it. I offered to send me a copy of my flight confirmation and sent it to a email that they provided. They reopened the case and told me to wait 1-2 billing cycles but I heard nothing from them until I called today XX/XX/XXXX to check on the status again. The representative told me that the case was closed again and provided me the same response that the emv chip was used so they determined that I used the card, which I don't understand since I was not even in the US at the time. I can provide the flight confirmation again but I'm not sure if I should do it on the website since it says do not include personal information.

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 2023-12-12
Company: EQUIFAX, INC.
State: VA
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:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. 
Form XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
MY ONLY NAME IS XXXX XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXXXXXX XXXX XXXX REMOVE ALL OTHER ADDRESSES... THEY ARE NON MAILABLE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: Real Time Group, Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I mailed a qualified written request ( " QWR '' ) to Real Time Resolutions , Inc. ( " RTR '' ) on XX/XX/2023. In that QWR, I requested : ( 1 ) a copy of my note; ( 2 ) a copy of any modification agreements from origination to present ; and ( 3 ) a payment history from origination to present. That QWR was delivered to RTR on XX/XX/2023. On XX/XX/2023, RTR acknowledged this request. However, to date, I have not received the requested documents and information from RTR.

Company response to consumer: Closed with explanation