BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
Included in the this section is the letter which I sent to all 3 credit reporting agencies instructing them of the identity theft and fraudulent accounts to be removed, including the timeframe in which it needed to be done by and they did not comply with federal law. Attached are also the letter and my FTC identity theft report. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. 

I reached out to the XXXX, XXXX, and Experian regarding this exact matter and it has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Monday, XX/XX/XXXX at approximately XXXX, my father texted me that someone had called him, looking for me, he gave me the phone number so I can reach them. Right away, I called them and asked them what is going on that they have to contact my father. They proceeded to explain they were a debt collection agency named Conserve and hired by XXXX to collect a debt. I asked why didn't they contact me via mail, email, phone call, or even leave a voicemail. They explained that they sent one letter, I explained that I am traveling for work so I didn't receive it. We both understood each others side. The next explanation is that they did try to call me and I didn't answer. I said I don't answer to phone numbers that I don't know who they are, plus I'm working and I return voicemails if they leave one. They explained they don't leave voice mails if the voicemail isn't setup stating my name, so they don't give information to the wrong person. Fair enough to both sides. They didn't give me an explanation on why they didn't try to send me an email. I understand they have a job to do, like all of us in this life, but they didn't need to embarrass me to my father. Ever since I entered adulthood, I have never put his information on my legal documents. To avoid situations like this one. I asked them if its " right '' for them to look up my information to get into contact with me. They told me " yes '', if we can't reach you, we have the authority to do anything necessary to contact you. They proceeded to explain that they have a list of phone numbers to find me, I asked politely which numbers and to remove those numbers that are all family 's phone numbers. One phone number is actually my old phone number from my teenage years when I was on my family 's phone plan. From what I understood, the representative explained the " search '' of my information may have started when my old number popped up on their system as disconnected. That makes me question the steps they took in this whole process and to have my information from when I was a minor?! Am I the only one that sees the wrong in that?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have repeatedly requested the Escrow surplus  to be paid back to me to no avail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX, XXXX reported to Experian that there were missed payments on XXXX of my student loan accounts starting in XX/XX/XXXX until XX/XX/XXXX. These accounts were then marked as consolidated/closed. As shown in the screenshots provided, these accounts were marked as current/on-time before and after these " missed payments ''. Additionally, all of my other accounts with XXXX remained in good standing during this same period of time. 

Without action, my accounts were put into deferment due to the federal relief program that was started in XXXX of XXXX. I never made any payments, agreed to any terms to repay, or was in contact at all with XXXX or any other federal student loan servicer during this time. All of my accounts remain in deferment under this same program today. 

On XX/XX/XXXX I spoke with Experian and XXXX to notify them of this error. Experian suggested that I open a dispute. On XX/XX/XXXX, Experian closed the dispute and stated that the account information is correct and no change needs to be made. 

When I spoke with the XXXX representative on XX/XX/XXXX, she agreed that this appears to be an error and advised me to wait until the Experian dispute is closed. 

On XX/XX/XXXX, I called XXXX to ask why they came to that resolution and the representative advised me that I must dispute this in writing with their credit department and could not offer much more assistance. I also asked for proof of payment history dating back to XXXX and she was unable to provide that information to me. 

Finally, XXXX has reported to XXXX and XXXX that these accounts were paid on-time and do not have any missed payments.

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 2021-10-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank in Ohio purchased my existing home mortgage from XXXX XXXX, XXXX XXXX, FL, in XX/XX/2021. The home and mortgage belong to my partner and I. XXXX had all information correct and online mortgage payments were easily made. 
Multiple attempts to setup the new Fifth Third mortgage account online, and with their customer service department were futile. I was told due to their error in transposing my Social Security number being associated with my partner 's cell phone number upon the mortgage assumption from XXXX ; it could not be accomplished online or by phone. 
It must be accomplished at a local Fifth Third Bank. There is only one location in XXXX XXXX, and due to danger of COVID exposure with my health status, it is not an option. My partner lives in Oklahoma, and there are no Fifth Third Bank locations.

It seems irresponsible to risk my health to visit their one branch office, to try to potentially, and with no assurance, resolve an error of their responsibility. I was also told I would need to setup an ATM card with Fifth Third, in order to be able to receive the benefits of online mortgage servicing. I am very much concerned for their customers with XXXX ; and requiring additional accounts for mortgage servicing. 
Thank you for any assistance. It is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: LA
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 explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: KY
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 disputed the inaccurate reportings with XXXX XXXX and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and Equifax is not reporting this account, XXXX XXXX XXXX XXXX XXXX is reporting an opened date of XX/XX/XXXX and a balance of {$680.00}, XXXX is reporting an opened date of XX/XX/XXXX and a balance of {$680.00}, Equifax is not reporting this account, ORIGINAL CREDITOR XXXX XXXX  and XXXX are not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX and a balance of {$130.00}. ORIGINAL CREDITOR XXXX XXXX and XXXX is not reporting, Equifax is reporting an open date of XX/XX/XXXX with a balance of {$130.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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: Was not notified of investigation status or results

Complaint:
Since XX/XX/XXXX I have been disputing 1 account with an incorrect late payment reporting with the bureaus. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. 
XXXX 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 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 2021-03-19
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I started disputing a dismissed bankruptcy on XX/XX/XXXX. None of the bureaus have ever responded to my dispute or advised me of any results of the investigation. I disputed again on XX/XX/XXXX and they still, yet again, have NOT responded to my dispute!

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 2021-03-19
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I started disputing a dismissed bankruptcy on XX/XX/XXXX. None of the bureaus have ever responded to my dispute or advised me of any results of the investigation. I disputed again on XX/XX/XXXX and they still, yet again, have NOT responded to my dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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:
Ive been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are 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 deletion 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 non-monetary relief
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Account XXXX wasnt in my contact the amount

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
This is in regard following account ; Alleged Creditor : XXXX  XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police 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 2021-03-21
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The complaint is with the company that built our house and sold it to us, this company ( XXXX ) took advantage of our ignorance and availability of not understanding some terms to sell us the worst land that they have, the lady point us that this land was the best when they had many other lands to sell, she sold us the one that most difficult to sell when she learn that we did not know a very good English, our house has a huge hole in the back where all the rain water and trash from all other houses ends up here in the back, we got like 6Ft only of land, we can not even build a fence, I have an XXXX XXXX year old that cant play outside because Im afraid she can fall in that hole and worst with water, the worst part is that they sold the property with a regular price, they didnt even made a reduction of price so other people can buy it from us, I feel this company had violated many of our consumer rights, please help!!!

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 2023-09-16
Company: Experian Information Solutions Inc.
State: PA
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:
I have contacted all three major credit reporting agencies and informed them of their criminal activity. All operators are unfortunately highly under traded on the subject. XXXX, Experian and XXXX are breaking law 18 USC 1028. I never authorized any negative reports to be recorded on my report. A SSA-89 must be signed by me to give authorization and I am fully aware that never happened. This is only one of many laws these corrupt organizations are breaking.

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