BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: ALLY FINANCIAL 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 is missing that should be on the report

Complaint:
I am writing to lodge a formal dispute regarding an unauthorized tradeline that has appeared on my credit report, associated with Ally Financial. This situation has arisen due to fraudulent inducement, as I never consented to or engaged in any business dealings with Ally Financial. I believe that this unauthorized tradeline not only adversely affects my credit history but also infringes upon my rights under federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

The disputed tradeline is detailed as follows : Creditor : Ally Financial  Account Number : XXXX Date of Last Activity : never Balance : XXXX I present the following grounds for my dispute : 1. Fraudulent Inducement : I have been victimized by fraudulent inducement, where it is alleged that Ally Financial engaged in deceptive practices to induce me into a financial relationship and establish an account without my knowledge, consent, or authorization. This action contravenes the principles set forth by the FCRA and CFPA, aimed at ensuring accuracy, fairness, and transparency in financial transactions.

2. Violation of FCRA Section

s 611 and 623 : Ally Financial 's inclusion of this unauthorized tradeline on my credit report has caused substantial harm to my financial standing and creditworthiness. This is a breach of FCRA Section 611, which mandates accurate reporting, and FCRA Section 623, designed to prevent the dissemination of unauthorized or inaccurate information to credit reporting agencies.

3. Request for Thorough Investigation : I respectfully request a comprehensive and diligent investigation into the circumstances surrounding the inclusion of this unauthorized tradeline attributed to Ally Financial. I have undertaken extensive efforts to scrutinize my financial records and have found no legitimate basis for any business relationship or agreement with Ally Financial.

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 2017-03-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bayview Loan Servicing forced lender placed insurance in the amount of XXXX for a property that I paid {$80000.00} or thereabouts for Annual premium is {$15000.00} I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
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 is missing that should be on the report

Complaint:
There is a credit account (   XXXX   XXXX   ) that is missing on my Equifax credit report. I contacted Equifax several times to correct this problem.   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX , NE,  XXXX  need to be included on my credit report. This credit was opened in  XXXX /2017. The credit stated that they sent the account information to Equifax but Equifax refuse to add this credit to my report. I would like this creditor added immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: CT
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 this creditor has violated my rights in 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 explanation
Consumer complaint received 2019-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX  is reporting a inaccuracies on my credit report.  My income was falsified to get me funded . I receive XXXX  a month . They reported me with a monthly income of XXXX  a month . And changed the credit application I have my letter of award from SSA showing proof of Income . I reported to Nevada State Attorney General Office I have sent 4 certified letters and still no response from XXXX XXXX XXXX  I am asking XXXX,  XXXX,  Transunion to remove immediately this is a inaccuracies.  According to FCRA you cannot report inaccurate information to my credit file .

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXXXXXX XXXX XXXXXXXX Currently have some fraudulent inquiries appearing on my credit reports. I have listed all supporting documentation below. 


XXXX XXXX XXXX  Inquired XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired 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 2023-08-16
Company: T.S. Holdings
State: AZ
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 debt belongs to ex spouse, due to court order in XXXX. I have let I.Q data know this information back in XXXX they refused to accept the information that was stated to them they are rude and disrespectful. I even tried to pay for some of the debt in XXXX, just so I can get an apartment, they refused to accept payment stating that I need to pay all of the debt. I have sent in this information from my divorce decree and still reporting this on my credit report. 

Also name is incorrect on this report, and date that it was reported is incorrect according to my credit report. 

In the first week of XX/XX/XXXX, someone went to an apartment that i was in and was looking for me, they went to the front office to ask for my information from the front office lady, telling them that they were inquiring about some land that I own ( I don't own any land ) she told them that she wasn't giving them any information, she described to me what he looked like. A few days later when I was taking my kids to school I seen the man in a dark blue vehicle outside of my gate. I was pulling out and he pulled in and stared at me. I knew it was the same person from the description that was given to me from the front desk lady. I don't appreciate being followed because I have small kids and I dont know what that persons intentions are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023, I tried to initiate a dispute on my TransUnion credit report. Several of My credit card balances are incorrect and their website ONLY allows ONE dispute at a time to be entered each 30 days!! This one dispute each 30 day allowance rule at TransUnion alone is violating my right to a current, accurate and fair credit reporting status. TransUnion always creates obstacles to a consumer issuing disputes and no other credit bureau prevents a consumer from issuing more than one dispute at a time- especially when they own multiple credit cards and loans. This violation of the FCRA is creating an issue with increasing my credit score and lenders will assume that my balances are up to date when they are actually 30 days or more behind. Their representatives are not based in the United States so therefore trying to explain to them in our English language about current reporting issues is defeating and useless. I have not see ANY OF my address disputes resolved either after speaking with their representatives by phone.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 Owed : {$0.00} XXXX XXXX Balance Owed : {$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 2023-08-16
Company: Affirm 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:
On XX/XX/23 around XXXXXXXX XXXX  CST I got an e-mail from XXXX notifying me of a new account. I logged into my XXXX account and noticed there was a new account opened with Affirm. I did not open an account with Affirm nor did I authorize anyone to do so. I called Affirm at XXXX and reported the fraudulent account. I was told by an Affirm representative that there were XXXX loans opened under Affirm as follows : XX/XX/23 XXXX {$440.00}, XX/XX/23 XXXX {$440.00}, XX/XX/23 XXXX {$320.00}, XX/XX/23 XXXX {$410.00}, XX/XX/23 XXXX {$590.00}. In addition, there is a new address on my credit report that I do not recognize : XXXX XXXX XXXX, TX XXXX. Affirm could not tell me if any of the items purchased were sent to above address as my case is under investigation which can take up to 30 days. They were able to tell me of the purchases include a baby mattress, bookshelf, and a white board. No additional information given. I have filed a police report with my county.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since taking over servicing our mortgage home loan ( from XXXX to Shellpoint ) in summer of XXXX, Shellpoint Mortgage has had the worst customer service ever and we are now filing a formal complaint. They are now neglecting to even contact us back at all due all to their mismanagement of this loan in a short six months. Timeframe below. 

Letter sent to them XX/XX/XXXX requesting our escrow account to be removed due to it causing our mortgage to double. We had a payment plan set up with the county for the past 15 years. Outcome, after giving us the address and us mailing them a letter, ( requesting our escrow to be removed ) they are now saying " they never received it ''. We again, XX/XX/XXXX, sent another letter requesting the escrow to be removed again, and they are saying again, " they don't have it. '' We have called them dozen times in the last 90 days, requesting to speak to supervisor and them saying " nobody is available '' and us leaving messages asking supervisor to please contact us by the end of day. Never received a phone call back ever. 

We have emailed them nearly a dozen times in the last 90 days, specific contacts they said " we are assigned to '', but nobody will return emails or call us back. 

Our request are very simple. 1 ) Remove the escrow account that we never asked for 2 ) waive some late fees because we are not able to speak to anyone or sign on to their website to make a payment. This is neglect 101. 3 ) Recently, we mailed a hardship request, because of the escrow mistake they made, and its been two weeks to be exact, and nobody has returned our request or reached out to us. 

These very simple customer service acts have snowballed into one problem into another in spite of us paying our principle plus interest on time every month. We greatly miss the excellent customer service and technology that XXXX provided us for over a decade. And since our mortgage was sold to Shellpoint Mortgage Servicing, it has been a nightmare. And add on the recent pandemic, corona virus, it's more important than ever to get big companies to assist us with service and assistance. 

We appreciate your department filing a formal complaint and assisting us since we can not get them to help in any way or call us back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I called in to Westlake financial services because my car was repossessed. I was attempting to make a payment when the agent XXXX XXXX was extremely rude to me saying that if I didn't have time to speak to call back. I informed him that he was being rude and let him know that I no longer wanted to speak with him, and requested a supervisor. His response was that he didn't want to talk to me either and he placed me on hold without permission to transfer. I called back later to make the payment once more. Where an agent who I asked to explain the fees that I needed to pay responded with " How am I supposed to know? ". My response was, well you work there. She began yelling over me and said bye and hung up on me. I called back several times after that to which each agent denied me to speak with a supervisor and hung up on me. When I called back for the 5th time, I made a payment. At that time and only then was I granted to speak with a supervisor after only XXXX minutes of waiting when I was previously told they were all in a meeting. Once the supervisor XXXX XXXX got on the phone. I asked for the agent who I spoke with that hung up on me that had access to my personal information, that way I can file a XXXX complaint. His response was I do not have the right to have that agents name. I think it is despicable how this company allows their agents to treat customers just because we owe money. The culture to be rude to customers is overwhelming and disgusting. I made a payment well over {$1200.00} and was not thanked for the payment, or even offered an apology for how the agents handled me or my account. I am now skeptical of what they will do with my personal information being that they are going through great efforts to conceal the nasty behaivor exihibited by their agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$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