BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: CT
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 filed a complain one month ago with Equifax and I was told that XXXX XXXX will be deleted from my account. As of today it's still showing. Please delete XXXX XXXX reporting from my account as soon as possible. See attached for the prior complained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A person gets tired of submitting the same complaint to the same reporting agency. Then coming to CPFB to complain about the same credit reporting agency over and over again. My name changed XXXX legally. I currently have a credit freeze on my credit file. How do inquiries get around that credit freeze? By using AKA name. How do I know? I keep getting credit offers made to me in AKA name. 

I just disputed electronically/via internet all those former/now illegal names with TransUnion. Do you know what that did? They took those former names and moved them from current names to AKA category. Former phone numbers that I have repeatedly had removed are magically back in report as well for me to have removed again! Just now. They refuse to remove names while conceding to removing ancient phone numbers. 

Every month XXXX XXXXXXXX has been making inquiries into my credit file via XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, VA XXXX under a former name. XXXX XXXX XXXX  has been making credit offers to me using former AKA name. It was revealed to me over the phone they got their information via a credit reporting agency. I looked in fine print of offer and there it was! " ... using the TransUnion XXXX XXXX model ... '' They know better. They know exactly what they are doing. They are working around credit freeze.

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 2023-07-12
Company: The CBE Group, Inc.
State: MI
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:
Original Complaint ID XXXX filed XX/XX/22 Derogatory Report by XXXX XXXXXXXX XXXX XXXX - Attempts to collect debt not owed. Account was removed from credit reports. Most recent credit report indicates Derogatory Reports concerning the same matter reported on this occassion by Enhanced Recovery Co L in the same {$370.00} amount. Understand these actons are contrary to the Fair Debt Collections Practices Act as again this company has made no contact by mail in writing ..by phone or in person to investigate this matter. After receiving credit alert on this noticed a substantial reduction in my credit score. Believe the latest reporting to be harassment and in violation of fair credit reporting. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXXXXXX XXXX Balance : {$2600.00} ; XXXX XXXXXXXX XXXX Balance : {$5800.00} ; XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9000.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}.

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 2022-06-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My HSBC checking account has been suspended and I have been unable to access my money for 6 weeks. Every support agent says account is under review and there's nothing they can do. The last one said I would be getting a letter in the mail in 3 business days and that was 10 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-06-09
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX  XXXXXXXX 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 2021-11-24
Company: HILLTOP HOLDINGS, INC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern : My name is XXXX XXXX and I am filing this complaint against Prime Lending, specifically towards and employee by the name of XXXX XXXX ( NMLS # XXXX ). XXXX is a Branch Manager at a Prime Lending located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, NJ XXXX. I had reached out via email to a Prime Lending loan officer by the name of XXXX XXXX on XX/XX/21 at approx. XXXX. My correspondence was in regards to refinancing my current home mortgage and I had attached confidential documents for XXXX to review. Upon sending the email and reaching out to XXXX via text message he had informed me that he had parted ways from Prime Lending and I then resent the information to his new email. A few hours later at XXXX I received a phone from an employee of Prime Lending by the name of XXXX XXXX XXXX I was a little taken back by someone from Prime Lending reaching out to me to begin with. Upon speaking with XXXX, he discussed with me the information I had confidentiality sent to XXXX and informed me that the email that I had sent to XXXX 's email was intercepted and viewed by XXXX XXXX. XXXX then proceeded to solicit me, asking if he and Prime Lending could provide service for my refinancing needs which I respectfully declined. XXXX said that XXXX XXXX directly instructed him to reach out to me to solicit my business. I believe this to be an absolute violation of privacy. I do not know who else viewed these documents and because I am choosing not to do business with Prime Lending anymore where this information can go or who else has access to XXXX old email account. Someone such as XXXX XXXX in the position as a branch manager should know that these actions are inappropriate and on top of violating someone's privacy, directing an employee to solicit based on viewing confidential information is completely unacceptable. I can only hope that my complaint with the Consumer Finance Protection Bureau will prevent this from happening to anyone else and hopefully provide some discipline and guidance to Prime Lending and their employees for these violations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-11
Company: EQUIFAX, INC.
State: GA
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:
Ive filed several disputes for XXXX XXXX XXXX with Equifax. Ive provided proof that XXXX XXXX is my original lender and not XXXX. I provided proof that the terms and amount listed is incorrect. I requested via certified mail that equifax provide the documents used to verify this account or remove the account if no docs exist and equifax refused. They only responded by saying the account will be removed in 7 years and my personal information was confirmed. I spoke with a agent and she said that they do not have any documents to provide and that XXXX verbally confirm the account belongs to me. I expressed several time that the debt belongs to XXXX XXXX  and XXXX should not be listed as a original creditor on my report nor should they be listed as an auto because i have never had an auto loan with them. Equifax told me that do not have the capability to remove an account and I would need to speak to the creditor to get them to remove it. Although I have my original creditor for that loan on my report as a closed account which is XXXX XXXX sales and proof of my contract with them which is proof that I dont have a auto loan with XXXX XXXX XXXX is providing inaccurate information being the original creditor, 151 months for the term on a auto loan. XXXX XXXX is the original lender and they have went bankrupt and I expressed that the debt was included in a bankruptcy but once again Equifax is failing to investigate properly. XXXX is reporting inaccurately to the credit bureaus and Equifax is failing to investigate properly and protect me as a consumer which has now ruined my credit. If there are no documents verifying that XXXX is my original creditor ( a contract or agreement ) then there is no reason Equifax should be refusing to remove the account and telling me to contact the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
Someone has been using my personal information to attempt to open credit card accounts and to take out personal loans. I was made aware through fraud alerts by XXXX XXXX and Discover on XXXX that someone tried to open new credit cards in my name. After looking closely at my credit report, I saw an incorrect phone number and several hard inquiries that I did not authorize ( Discover : XXXX, XXXX ; XXXX XXXX  : XXXX ; XXXX XXXX XXXX XXXX : XXXX ; XXXX XXXX XXXX XXXXXXXX ) XXXX I believe whoever is trying to steal my identity may have also submitted a Change of Address for me as tracking for a recently ordered package indicates that it is being forwarded somewhere instead of delivered to my home address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01
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:
I writing this to ask you to remove this collection from my credit report since it a fraudulent. I attached the document that was sent to my attorney from XXXX XXXX XXXX. The signature on the contract was forged by the salesman, and the personal check is fraudulent. At the end of the document, you can see my signature on the certified letter to request the paperwork. I also attached a copy of my driver 's license for you to verified my signature. This is a fraudulent contract and an invalid contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint for myself because 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company over the years and they refuse to remove this from my credit report. NCB Management Service. My credit report has a date XX/XX/2018 {$8900.00} was added. This information is false. Can you please help me remove this derogatory information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On Tuesday, XX/XX/XXXX, I received an email from the title team who has been attempting to get an accurate payoff amount so that I may sale my house. The email contained a letter from the attorneys for Select Portfolio Servicing which stated the payoff amount as {$160000.00}, almost {$60000.00} more than what Select Portfolio Servicing has indicated in previous payoffs. It appears that the attorneys are not communicating with Select Portfolio and this information has caused me to lose out on a potential buyer for my home ( he cancelled the sell on XX/XX/XXXX due to the constant delays from the attorneys of Select Portfolio Servicing ). I contacted Select Portfolio on XX/XX/XXXX, about this discrepancy and the individual I spoke with stated that he did not understand why the attorneys would send that payoff amount and he would send me a corrected payoff amount within 10 days, however, whatever payoff amount I receive from Select Portfolio will be declined by the attorneys representing them and this makes it difficult for me to sell my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: CoinZoom, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the Fraudsters or the Companies ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Coinzoom 's services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in Coinzoom which is regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
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:
bank of America has violated my rights multiple times. the cfpb has allowed nonsense responses and has allowed bank of American to DEMAND that is stop trying to hold them accountable for their federal crimes. I now posses evidence from the dealership in question not just other banks. this shows how bank of America willfully, deliberately and with premeditation allowed this to happen after I requested evidence multiple time.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2023 RE : XXXX XXXX XXXX XXXX No Response To whomever it may concern : According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history, note or other instrument bearing my signature. 

15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

I expect to see a response from you within 15 days proving the validity of this account. If you can not validate this account, then I ask that you immediately delete this from my credit reports. 

The following accounts are listed below : XXXX Account number : XXXX ( Balance {$26.00}, XXXX ) XXXX Account number : XXXX ( Balance {>= $1,000,000} ) XXXX Account number : XXXX ( Balance {$1000.00} ) Thank you and best regards,

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