BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
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:
Hi. My name is XXXX XXXX. 
A few months ago our property management " XXXX XXXX '' decided to report our rental payments to credit bureaus, which I never signed up for and that clause was never on our lease in the first place. 
My roommate XXXX. hasn't paid rent for XXXX months, and for some reason this affected MY credit score.We are not a family with XXXX, I am not her guarantor, we have got all our names of the lease separately, all of us had undergone separate credit check upon moving it, and now management is making me accountable for her late payments? Management chose her and approved her when she moved in, I have nothing to do with it. 
Also, they NEVER informed us late payments would affect credit score of everyone living in the apartment. 

I always pay on time, ALWAYS. I've built a perfect credit score of about 750. Now it went down by 90 points because of that. This is an absolute absurd and technically my personal data infringement. Ive been meticulously building my credit score, Ive put real hard work in it. This error should be taken off from my credit report because its not associated with me in any way. 

I'm attaching evidence our rent payments for the past few months from which you can see I have always paid on time. 

Please assist. 

Property management contact details : Direct Management XXXX XXXX XXXX XXXX XXXX NY XXXX P. XXXX F XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Used western union as a bill pay in store. The payment was routed to the wrong car payment company. Spoke with western union at stated they woukd contact company money was incorrectly routed to and reroute funds to correct company within 48 hours. Waited 48 hours and was told no progress had been made in retrieving funds and to wait another 48 hours. I'm meantime my vehicle has been repossessed. Still another 48 hours later no progress made. I personally spoke with company money was incorrectly routed to and was told that they had the funds on hold me due to it being attached to nonexistent account, but to that date had not received request from western union to return funds. They gave me a number and email for western union to expedite request. Called western union and was told they would note the information but would do nothing until their own back office contacted them again which hadn't been done since 24 hours after initial request. Asked for contact information of back office and was told that information is not for public consumer use and please call back in ANOTHER 48 Yours! Meanwhile my car is gone! I did not request a refund, I requested a Reroute! This is getting out of hand and in the meantime my car is slipping out of my grasp! The amount of the payment was for XXXX! The tracking number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: AR
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:
Today, I am filing a case against the Equifax and XXXX Credit Bureaus for violations of the Fair Credit Reporting Act or FCRA, Section 605b. These credit bureaus have engaged in unfair and deceptive practices by providing inaccurate information in my credit file. I am not satisfied of what the Equifax and XXXX Credit Bureaus reported some inaccurate information in my credit file. I found out some inaccurate inquiries and I never upheld these all, For this reason, I want you to help me delete these inquiries in my credit file : XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX Inquiry : XX/XX/2023 ; XXXX Inquiry : XXXX. XXXX, 2023 ; XXXX Inquiry : XXXX. XXXX, 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
We use billpayer on our joint checking account with Santander Bank. Usually, our credit card payments to XXXX XXXX XXXX XXXX XXXX are sent electronically. For the month of XXXX, 2023, ( and we have recently learned this also happened in XXXX ) the check was sent via paper. The check was dated XX/XX/XXXX and Santander Bank cashed and withdrew the funds from our account on XX/XX/XXXX. The check was for over {$2000.00} and could have caused an overdraft. Since that date, we have had numerous conversations with the bank branch, the bill pay back office, the bill pay technical support, the payee, and a third party support for Santander bill pay. In our visit to the branch, located at XXXX XXXX in XXXX, NJ, we spoke with the manager, XXXX, who was both dismissive and disinterested. In our numerous phone calls to both the payers and payees, each said the complete opposite. Santander stating the payee would not accept electronic and wanted paper, and the payee stating they always accept electronic. Finally, yesterday we contacted the third party support area. They set up a conference call with Santander Bank which lasted 1 1/4 hours. We ended up in a conversation with XXXX, the supervisor of the technical unit. She admitted Santander decided to send paper but could not explain why. We can not afford to have checks cashed before the intended date. We note that the bill system wording now says a check can be cashed either before, on, or after the intended date. We need a better answer!

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 2018-04-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I bought a home under a VA loan with fifth third bank in XX/XX/XXXX.In XX/XX/XXXX i got married and in XX/XX/XXXX we refinanced the loan with fifth third bank with the sole purpose of adding my wife 's name to the mortgage, this is a fact that was repeated through out the process so there was not any chance of a misunderstanding.On all of the paper work we have from the refinancing my wife and myself and consistently documented as co-borrowers and co-owners as well as requiring both of our signatures. The bank ran both of our credit scores to achieve the loan and my wife 's was higher so they used it to complete the loan.When we discovered her name was left off in the end we contacted the mortgage department at fifth third and they said unless they ran my wife 's credit score that's the only way they can add her to loan and we have that document but they are denying any knowledge of this. When we went to the bank with all of our documents showing both of us were on the refinancing papers as well as credit score ran and in addition a document stating that a notary public was there to verify that we were both in the room to refinance, they simply looked at the documents and said the only way they would correct their mistake was if we refinanced again at a higher rate. We feel like they are at fault and we are demanding that they add her name as originally agreed. We are getting no cooperation from them at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Unauthorized inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
This is a very general complaint that covers a variety of businesses and financial institutions, specifically : Late Fees and Overdraft charges on all types of accounts. 

Banks ( XXXX ) have charged me {$16.00} and ( up to {$32.00} ) for an insufficient funds charge. One rent check was posted early and caused multiple other checks to bounce with 10 charges totaling {$160.00} even when I requested them to deny the {$900.00} rent check so that the others could clear. 

This also includes credit card companies ; Chase charges a {$39.00} late payment fee in addition to the exorbitant interest on their card, and same for others, XXXX XXXX, XXXX, etc. 

Additionally this is a practice by every service provider business model out there from Internet Services to Cell Phones. The amount they charge for a 1 day infraction is ridiculous and MUST BE STOPPED!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have filed a dispute to XXXX XXXX in the middle of XXXX because I have late payments on my credit score from the beginning of the covid pandemic. Those late payments were not suppose to hit my credit report. XXXX XXXX had a relief program at the during the first 10 months of the year in which I signed a document stating that the months would go towards the end of the loan-term period. However, I am still seeing the late payments from the deferred period and this is impacting my payment history.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT. 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 2023-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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 credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts are due t identity fraud/theft therefore i am not responsible nor liable for them. Per 15 usc 1681 b the companies and bureaus are violating my rights as a consumer and i am requesting that these accounts be removed, blocked, and deleted asap!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I took out a loan with my ex husband in XXXX. We divorced in XXXX. In our divorce decree, my ex husband was awarded the car. 

Once he took possession of the car, not only did he lie about being XXXX XXXX, he hid the car when XXXX XXXX tried to repossess it. He then agreed to settle for less than what is owed on the vehicle. 

This is causing my credit to keep me from obtaining a new vehicle. 

XXXX XXXX says I am still responsible for this vehicle. If I am responsible then why was I not notified about the settle for less agreement? If I am responsible for this vehicle, why does my divorce decree say different. 

I have tried multiple times to get this removed from my reports and XXXX XXXX refuses.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unknown XXXX  XXXX XXXX has been showing on my TransUnion Consumer Files. I had XXXX inquiries

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Below are fraudulent accounts and inquiries reported to my Transunion credit report. Accounts : XXXX XXXX, XXXX XXXX XXXX XXXX  negative balance {$5000.00}. Inquiries : 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Inquiries started appearing on my report that I didnt make. I called all XXXX  credit bureaus to place fraud alerts on my reports. Stating that lenders or financial institutions should ONLY verify with my phone number and email address. Whoever was calling in was able to keep changing my alert to their own number and information. I was almost locked out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Due to covid I am not working and have XXXX income. They put the loan into forbearance for three months however the first time did so after I paid one month, refunded me, said my account was past due after it was refunded and made me pay and refused to credit me the month so in essence they gave me two months forbearance. I havent received unemployment although Ive been trying for over 4 months now. I have begged them in multiple emails and explained my situation since XXXX and now they said theres no forbearance left and if Im late they will immediately report to my credit so I use much needed funds to pay. Please help. In this time with no income and being unable to work due to being immunocompromised I am shocked that a company is this heartless. Regular loans forbear at XXXX  %. I do t even care about interest I just need a few months to catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: TX
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 I went into 5/3 Bank because after several online attempts no one can help me get setup to pay my mortgage online. The Banker was helpful and got me futher than others. I couldn't retrieve documents and I shouldn't have to drive to pay my bills. 
When I got home I called for support. The XXXX  XXXX, person asked me to call customer service.. I waited an hour for a return call. The guy ( customer service ) put me back in loop for a mortgage professional. I hung up because it's a long wait. This is customer abuse. My husband XXXX XXXX died XX/XX/2021. I am still grieving my loss. I am the successor and need to access documents and pay the mortgage online. No one is correcting this online problem. I had to bill pay with my bank. 5/3 don't have electronic means which delays posting and charges a late fee. I am very frustrated with their service. I believe XXXX I paid late fee thinking it was late, it wasn't. I should have a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by I C Systems. I C Systems has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and an affidavit to I C Systems. They received it certified mail and signed off on XX/XX/21, at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

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 2023-07-06
Company: EQUIFAX, INC.
State: IL
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation