BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry 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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello My name is XXXX XXXX I have two hard inquiries that should of been soft pull from credit report but instead did a hard pull and I would like these inquiries deleted from my credit report. 
XXXX ) XXXX XXXX XXXX XXXX. Inquiry XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX Inquiry XX/XX/2022.

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 2022-11-01
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Northland Group is calling family members multiple times a day. Called my parent 's phone number and I do NOT live there at all. They have asked them to stop and told them I do not live there and they still call multiple times a day. According to the federal trade commission website, they are not supposed to call more than once. They are also leaving details with my NAME and that they are trying to collect a DEBT which they can not do!

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 2022-11-01
Company: Selene Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I applied for a loan modification in XXXX XXXX and submitted documents. 

Selene requested XXXX months bank statements and I sent them. 

I was declined because I didnt send a bank statement from XX/XX/2022 which was over XXXX  months ago. 

I am requesting my loan modification be reopened & approved because Selene requested XXXX months of bank statements not XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) U.SC The Furnishers / Credit Reporting agencies of the following accounts INQUIRIES : XXXX XXXX  XXXX. XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX  XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE have violated my rights . according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX Account # XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank you

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data wereincorrect. 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 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 2023-11-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed that several international transactions had occurred within a 3-day span of a new account that was just opened less than a month beforehand. The response I got was that there was no sign of fraud because after I called the card in stolen no one tried to use it. Whoever stole my backpack got all my information hacked into everything of mine XXXX Bank mobile and stole from all of my accounts Wells Fargo is the only one that is denied my claim and then went ahead and closed my accounts After further review the services or items attched to the charge i have no knowledge of and never received anything from any of them. There are 39 international transactions from XX/XX/XXXX to XX/XX/XXXX Here are the merchandisers and transactions that were unauthorized from : XXXX XXXX XXXX : XXXX XXXXXXXX XX/XX/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 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 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 XXXXXXXX XXXX XXXX : Phone Internet XXXX. XX/XX/XXXX. {$110.00} XXXX. XX/XX/XXXX. {$74.00} {$180.00} total amount was {$2800.00} since I was a brand new account holder they had no idea what my spending habits or what I spent money on there for these transactions should have been flagged from the very beginning. international transactions every single one of them and they do not want to refund my money they closed my account and told me to go kick rocks.

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 2023-03-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my current condo less than 2 years ago. I paid {$12000.00} extra dollars extra to my down payment which leaves my 30 year fixed mortgage scheduled to be paid off a year in advance. In my mortgage center, the total balance is listed at XXXX. However, through Chase, my remaining balance is XXXX. On top of this, Chase has in my escrow account enough to my pay my entire 2023 property taxes which is over XXXX in escrow ( I pay my mortgage insurance separately ). Chase requires a BPO who valued my house at XXXX over the originally assessed value. Since then, Chase has given 2 separate reasons for not canceling PMI such as the market being inflated and now not applying the balance I paid + the excess escrow to my balance. Ive spent countless hours on the phone with no luck. Ive advised chase i will be retaining legal counsel to which they finally escalated the issue. I am hoping you can help. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Current Date Your Name Address City, State, Zip Code SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DL # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX D.O.B. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA NAME Address City, State, Zip Code Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately : Account : XXXX XXXX. Never paid late. 

Account : XXXX XXXX XXXXXXXX did not pay late XX/XX/2018 Account Number # XXXX XXXX XXXX XXXX XXXX : know knowledge of this account. 

Account number XXXX : XXXX XXXX XXXX XXXX - Know known knowledage of this account Account number XXXX : XXXX XXXX : know knowledage of this account Account number XXXX : XXXX XXXXXXXX XXXX : never been in this state

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 2023-05-03
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:
Account Name : XXXX Account Number : XXXX This account is reporting inaccurately and with each bureau. If this account is verified as accurate with each bureau why is each bureau reporting different information? Two are showing this has a charge off and being purchased by another lender while one is reporting as open with a payment balance and past due amount. All are reporting different dates of last payment, different dates of last activity, and different account statuses. I demand the method of validation which was never sent too me in the first 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 non-monetary relief
Consumer complaint received 2023-05-03
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:
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.

PLEASE SEE ATTACHED LETTERS.

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: 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. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c. 1681 section 602 A. states i have the right to privacy.

15 u.s.c. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without 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 otheradverse 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 informationrelating to a consumer to any consumer reporting agency if 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 2019-12-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have multiple duplicate charges on my credit report as a result Of identity theft from ARS account resolutions. None of these services were rendered. I have never used this company before.

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 2018-08-13
Company: BB&T CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To : BB & T I am sending you this notice to inform you that under my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting VALIDATION of the account.

Please note : I am not requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence

that I have a legal obligation to pay you. Please provide the following : 1. Detail of what the money you say I owe is for 2. How the amount you claim owed was calculated 3. Verify that the legal statute of limitations is still in effect 4. Copy of your agreement with the original creditor 5. Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) 6. Provided a copy of any judgment you have received, if applicable 7. Identify the original creditor 8. Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent 9. Please provide Name and addre
ss of original creditor.

10. Are you the original creditor or debt collector?

11. What the high balance of this account?

12. What date was this opened?

13. When was last payment made?

14. How much was last Payment?

15. What day of last activity?

16 What the date of 1st delinquency?

17. What charge off amount?

I am letting you know that what you is doing is wrong, and to please stop doing it.

1. Stop putting incorrectly information on my XXXX credit report. ( under the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 ) 2. Stop used false representations and deceptive or misleading representations or means to collect or attempt to collect a 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 2023-01-30
Company: Experian Information Solutions Inc.
State: TX
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:
n accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 instruction.

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