BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
-My business was shut down by the government due to Covid. My loan was put on forbearance. My business was to reopen XXXX XXXX. I was promised my loan modification could start XX/XX/XXXX. Since XXXX, XXXX, I repeatedly asked Community Loan Servicing for full payment history of my mortgage.. After filing a complaint on this site, I received a partially illegible, disorganized, incoherent document on XX/XX/XXXX, for my review. Community Loan Servicing demanded i start paying on XXXX XXXX, XXXX. It was demanded that I pay a modification payment by XXXX XXXX XXXX in order to " save my home '', and that unless I paid it I would no longer be eligible for a modification, although I still had questions that they refused to answer.. 
-I had been promised that the modification would start in XXXX, XXXX. 
-I asked repeatedly for an explanation of why I was offered a modification with one interest rate, then they raised the interest rate in the next letter for no reason. No answer.

-I asked repeatedly for an explanation of how I could possibly owe {$190000.00} on a {$180000.00} mortgage after paying for 14 years. No answer.

-I asked repeatedly for an explanation of some fees. No answer.

-I asked repeatedly for the total sum of money I have already paid to them. No answer.

-By my calculations I have paid them approximately {$330000.00} over 14 years on the {$180000.00} mortgage. The modification offered was for an additional {$600000.00} over another 40 years. Almost XXXX XXXX dollars for a {$180000.00} mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to request that the errors on my credit report be corrected. Despite my previous request, these errors have not yet been removed and have had a negative impact on my credit. As I previously mentioned, I was a victim of identity theft and, according to the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ), you are required to remove any accounts that were opened without my knowledge, consent, or authorization. In addition, according to Section 1681c-2 ( a ) of the FCRA, you must block any information in my file that I have identified as resulting from identity theft. I have provided documentation to support this claim.

Your reporting of incorrect information has significantly affected my ability to obtain credit. It has also been brought to my attention that, under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ), this could be considered an adverse action. Therefore, I request that the following accounts be updated to accurately reflect the correct amount, date, status, open and closed date, last date of activity, and time. If you are unable to correct these errors, please delete the accounts from my credit report immediately. I have included an exhibit of evidence highlighting the inaccuracies in my reports. I ask that you thoroughly investigate the accuracy of all information. 
Name NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 Department XXXX XXXX # XXXX XXXX Department XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2018-04-30
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2018 I had 2 fraudulent charges at a XXXX in Colorado one in the amount of {$1000.00} and another for {$760.00} and I am in South Carolina have not visited the stated. The card is damaged and can not be swiped and I have the card in my possession so it had to have been hacked I called Netspend the day it happened the on the first call was advised that it could take anywhere from 10-45 business days for me to receive a response and may not get my money back. I asked to s/w a manager and was placed on hold for over 20 minutes so I hung up called back and was trying to tell the lady who went by " XXXX '' that my card had been fraudulently used and advised her of the previous call and I just wanted a manager. She proceeds to tell me that my other card was working and I could use that one. I tried to explain to her several times that's not why I was calling and wanted to s/w someone else she refused. Then said that she was going to transfer me to her colleague the phone went dead. I tried to call back got a recording that I was calling after hours and to call back during regular business hours. In the mean time my card had attempted to be used again for {$5.00} purchase that was denied by Netspend. 
I call today XX/XX/2018 I didn't get the lady 's name but she assisted me and asked questions about the card again I tell her I have the card in my possession it is not lost and it can not be swiped because the strip on the back of the card is worn off and I kept it active because of the bills I had set up on autopay on that card. I had to get a new one because of that reason ending in XXXX. She said that she could see I hadn't been using the card ending in XXXX. gave the info to where I could send the request to ask for a temporary refund until the investigation was completed and she deactivated the card. They have advised the letter has been recv 'd when I called back to give the police report number ( XXXX XXXX # XXXX case # XXXX ) the lady who answered told me just to email it to them instead of taking it over the phone. I have {$21.00} to my name after this has transpired and my rent and daughter 's school tuition have to be paid and they know and could careless I asked for a number to the USA she declined to give it once I found out there customer service is located in the 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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My father passed away and Ally has not picked up the vehicle. I spoke to XXXX ( not sure on spelling ) in XXXX they had not added the paperwork I had sent to the account so that decisions could be made I was assured that there were no fees added to deceased accounts when the vehicle is turned over and I would receive payout after it sold. I decided on doing that due to being in a different state which made it difficult to sell the rv. It is now XXXX I have had to pay insurance and storage fees every month and they have still not recovered the rv. I have spoken to multiple people as well as had a 3 way call with the storages owner. I received a message again from the storage owner saying that she received a call from someone to pick up on Friday but they do not have the paperwork to pick it up I sent this to Ally and have not heard anything back from them. I then received a letter saying that the account had been transferred to a collection agency. 
It takes hours to get someone on the phone after multiple transfers each time and I get hung up on.

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 2022-01-31
Company: EQUIFAX, INC.
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:
The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: CA
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 writing to dispute and seek the immediate resolution of a fraudulent XXXX account that continues to persist on my credit report, despite my previous attempts to have it removed. This unresolved issue has been causing substantial harm to my financial well-being, and I demand that it be addressed promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX Reference number : XXXX This fraudulent XXXX account is erroneous and has no association with my financial history. I have previously filed disputes regarding this account with your bureau, providing all necessary documentation. 
Despite my earnest efforts and the provision of substantial evidence, your bureau has failed to take the necessary steps to investigate and rectify this issue appropriately. The continued presence of this fraudulent XXXX account on my credit report is causing significant harm to my creditworthiness, making it difficult for me to access financial opportunities and services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to request that the errors on my credit report be corrected. Despite my previous request, these errors have not yet been removed and have had a negative impact on my credit. As I previously mentioned, I was a victim of identity theft and, according to the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ), you are required to remove any accounts that were opened without my knowledge, consent, or authorization. In addition, according to Section 1681c-2 ( a ) of the FCRA, you must block any information in my file that I have identified as resulting from identity theft. I have provided documentation to support this claim.

Your reporting of incorrect information has significantly affected my ability to obtain credit. It has also been brought to my attention that, under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ), this could be considered an adverse action. Therefore, I request that the following accounts be updated to accurately reflect the correct amount, date, status, open and closed date, last date of activity, and time. If you are unable to correct these errors, please delete the accounts from my credit report immediately. I have included an exhibit of evidence highlighting the inaccuracies in my reports. I ask that you thoroughly investigate the accuracy of all information. 
Name NAME : XXXX XXXX XXXX XXXX Accounts XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my XXXX XXXX internet service and switched to their competitor. My bill was on auto pay and I had a XXXX balance. A short time later, XXXX started contacting me by phone and mail to threaten me to contact them or they will harm my credit score. This is an attempt to bully me into listening to their sales pitch. 
I do not owe XXXX any money, I do not want their service ever again, and I do not appreciate being harassed, threatened, and bullied into listening to their sales pitch. I am happy with my new internet service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-12-29
Company: EQUIFAX, 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 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I want to reopen my Case, Complaint number is 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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-21
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX 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 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