BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, 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 2020-09-29
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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. MY CREDIT HISTORY IS NOW IN A HORRIBLE STATE BECAUSE OF THIS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THERE IS AN ALIAS NAME AND 2 PREVIOUS ADRESSES THAT NEED TO BE CORRECTED

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 2018-10-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I Disputed this Account Name : Original : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX Date Submitted : XX/XX/XXXX Report No. XXXX Experian Answer : the Debt is Verify I contact XXXX XXXX XXXX said have them contact us to tell them that this account was settled in full on XX/XX/XXXX And I will sent you a letter to prove that this Account was Settled in full. I will attach this document & Please take off the Deragatory mark on my Account 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 explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: PA
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:
Its inquiries on my report I did not authorize. I Reach out to the credit bureaus and they did not help. i am trying to buy a house and this is stopping me. i need this taking care of asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions 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:
Car loan that is on my report has nothing to do with me at all. This is fraud on what is going on m report. I disputed these charges so many time and no one has done anything to take this car payment loan amount off my report. I never cosigned for the car loan that is on my report and I never cosigned for anything else, so this should never had been on my report. I don't understand why my score is always lowing when in my whole entire life I never had my credit always lose points so much like it has been. Someone really needs to investigate better on these reports when a dispute is amended. One of my reports has showed a high score for me. So I don't understand why these other 2 reports are showing false  accounts on my 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 explanation
Consumer complaint received 2023-07-04
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:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My Navy Federal account was fraud so i called the bank and they did an investigation and gave me my money back for that fraud but they sent me the money twice to my account and now they want me to pay out of my pockets for something i didnt do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Over the last 4 days I have tried to contact credit karma spend account over 30 times because they locked my account for no good reason saying that they were doing it for my protection but they are withholding my money from me and not allowing me to access my money that I worked for even though I've begged and pleaded because I need the money to buy groceries for my kids and I had it set up direct deposit so all of my money went on to the card that they have now Frozen and refuse to unlock. They keep telling me that they have escalated it to another team yet no one contacts me or gives me any answers and just responds with the same automated response. I have even begged them just to close the account and send me a check and they tell me that they can't do that for me either. I am about ready to hire a lawyer and file a claim or class action lawsuit against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
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:
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. Again these accounts are not mine and if they are not removed I will just have to go to the next step. This isnt fair that I have to go through so many loops to get these remaining items removed. XXXX  XXXX, Chapter XXXX Bankruptcy Discharged, 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 2021-06-06
Company: Overland Bond & Investment Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Overland Bond. Last year aka my final year of payment to overland bond, I have been up to date on my payments, When covid hit I was reduced hours and temporarily laid off. My finance company provided that I can pay a reduced payment that would stretch out the loan longer, Fast forward to XX/XX/2021 I was told I was still still accruing late fees even tho I was on the payment plan as well as being negatively reported on my credit. I was not told these things would happen and now they say I owe a extra XXXX $ in late fees when they never mention this until my car was paid off. Now they are holding my title and negatively affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-14
Company: USI Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received my first phone call from XXXX XXXX at USI Solutions Inc . He told me he was looking for my husband for an unpaid XXXX XXXX XXXX Visa card from XXXX. He said the unpaid balance was {$3600.00} and asked that I pay it. I told him that no I would not pay it, it is not my debt, and I have no knowledge of this. I told him I would let my husband know. 20 minutes later my father called and told me that XXXX XXXX was reaching out to him as well regarding his son-in-laws supposed debt. He called my father AFTER I talked to him. During this time my husband is travelling for work but I sent him a message with phone numbers, reference numbers etc so he can handle the situation. I called XXXX XXXX back after he called me again and I told him he needed to stop calling my family members. He put me on hold to talk to his supervisor, XXXX XXXX. After talking to XXXX and telling him that they have done nothing to legitimize their claim that my husband owes a past debt from XXXX he offers a settlement of {$1000.00}. I reminded him again that I was NOT going to pay this as it was not my debt. I told him that we have not received any correspondence prior to XX/XX/XXXX and he told me its because the attorney, Mr. XXXX 's business went out of business and Mr. XXXX himself has passed away. I told him again nothing you have said legitimizes this. He told me he would have someone send me a letter. I received a letter but as there has been no correspondence regarding this prior I did not open the letter afraid it may be spam. XXXX also asks if me and my husband are separated which I told him was none of his business. No we are not separated. My husband calls and talks to XXXX XXXX on XX/XX/XXXX. I am unsure what the conversation was as he is travelling for work but on XX/XX/XXXX XXXX XXXX calls my office. He told me I was responsible for the debt because I live in a community property state. I got married in XXXX and I do not take on the liability of my husband 's " supposed '' debt prior to our marriage. He called me AFTER speaking to my husband who they claim owes the debt. I told him all of this and the call ended with me telling him to not call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: 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 USC 1681. 

XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2023-07-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$61.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX {$55.00} 15 USC 1681 Section 602 A- States I have the right to privacy. 

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I got a loan over 3 years ago for a small amount. The company charged a crazy amount of interest and I thought it was paid off as I have monthly payments coming out. Flash forward to XXXX and nine of the amount I pay has ever gone to the principal! This is ridiculous! It wont let me stop payments either as it has my bank account linked. Something needs to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
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 have submitted a valid police report to XXXX, and Equifax since XX/XX/2018. XXXX  and Equifax advised me my police report was not valid, that is not true. My report is a valid police report, from the XXXX Police Department, and this report can be verified. I live in a local town, I went back to the police department and was advised no one contacted the police department to verify if this report was valid or not. However, it is a valid report. 

My life has been a complete nightmare, for I have been denied credit, turned down employment, and unable to provide adequate shelter for me and my XXXX sons. 
I am a victim of identity theft, from a data breach, enclosed is a copy of the Class Action Settlement that I am a valid member and have been provided free credit monitoring services. 

There are several fraudulent accounts that has reported on my credit bureau I have fought with these credit agencies for over four months to remove this information. I have provided the credit agencies letters, from the many companies advising me that I am not liable for the accounts and they would remove it. But for some reason these credit bureaus refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, and the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. The following are the specific accounts in question : XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-05-24
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I made a Purchase using my Macys American Express card ... .which is doing business as Citibank N.A . I made a purchase in the amount of {$610.00} to XXXX XXXX XXXX which has no legal address ... .to do a website for me ... XXXX XXXX XXXX kept calling for more money to maintain the web page upward to {$1600.00}. the party calling all the time was XXXX XXXX employee for the XXXX company. 

Because he call so much ... ... I didn't wont the website even built ... .I Made disputes with Citibank N A Credit card company they refuse to credit my account. 

by the way... .no website was ever developed.

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 2023-05-24
Company: MEGASTAR FINANCIAL CORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When closing on our house we were told we could " buy back '' interest rate points to get the interest rate back down to our original quotes. The rate was supposed to be 2.75 % but we ended up at 2.875 %. The cost to purchase those points back was around {$1200.00} I believe and the breakeven ended up being about every 6 years. I texted XXXX XXXX at XXXX  XXXX XXXX XX/XX/XXXX about having that ability to buy back those points and expressed that we wanted to do that. On XX/XX/XXXX I expressed it again that we would like to buy those mortgage points back and he said he was going to hold off on making any changes until an amendment was finalized for the sellers paying more at closing. This went on a few times with various calls/texts/emails. Coming up to closing I asked again, when we could buy them back but he said it was now too late and we could no longer do that. XXXX let this fall through the cracks even after multiple attempts to purchase these points back. I believe this will cost us $ XXXX over the length of the loan not including the loss of interest we could have acquired with that money. He later expressed it wasn't a good idea to buy them back anyway unless we planned on staying in the house for over 6 or 8 years, which we obviously do plan on doing. 

The Loan Officer is XXXX XXXX. Property Address is XXXX XXXX XXXX, XXXX MN XXXX. Closed XX/XX/XXXX. XXXX XXXX {$350000.00} and loan amount of {$330000.00}. 

Loan Officer Megastar Financial XXXX ( XXXX ) XXXX XXXX XXXX  : # XXXX

Company response to consumer: Closed with explanation