BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS VIOLATING THE FAIR CREDIT BILLING ACT. 

XXXX XXXX ARE VIOLATING MY CONSUMER RIGHTS BY REPORTING INACCURATE LATE PAYMENTS. 

THE ABOVE ACCOUNT WAS ALWAYS PAID ON TIME AND WAS NEVER LATE AND IT WAS PAID IN FULL IN XX/XX/2022. 

I HAVE DISPUTED THESE LATE PAYMENTS FOR THE LAST 8 MONTHS BY REQUESTING PROOF OF DOCUMENTATION SHOWING WHEN I WAS LATE, BUT I HAVE NOT RECEIVED ANY PROOF OF LATE PAYMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
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:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

Please remove the collection accounts, it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Suburban Credit Corporation
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received XXXX  from XXXX XXXX ( XXXX ) on XX/XX/XXXX. This company at the time outsourced billing to XXXX XXXX XXXX ( XXXX ). The billing agency said they sent an invoice to my home address on XX/XX/XXXX, that they were told it was a bad address, and then referred the matter to a collection agency. 

I was living at my home address in XX/XX/XXXX, then moved during the pandemic and returned in XX/XX/XXXX. In XXXX, I received a collection notice from Suburban Credit Corp. 
This was the first time I was aware that I had a balance of {$98.00} -- I had never received an email, a call, or a postal letter. 
Suburban Credit Corporation said they had reported my lack of payment to the reporting agencies in XX/XX/XXXX. To update the reporting agencies on what really happened, the collection agency said I needed to take it up directly with XXXX XXXX -- I can not reach anyone to help at this company. XXXX XXXX XXXX says it no longer works as they billing entity to for XXXX XXXX, they too referred me back to XXXX XXXX -- but they have no contact information. 

My credit may have been harmed. I want XXXX XXXX to update the reporting agencies as they NEVER contacted me about an invoice for {$98.00}. I paid the collection agency this sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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 explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: TX
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XX/XX/XXXX Account Number XXXX XX/XX/XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX CT XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXXXX/XX/XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XX/XX/XXXXXXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XX/XX/XXXXXXXX XXXX G XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX DE XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XX/XX/XXXXXXXX XXXX FACTUAL DATAXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CITIBANK, N.A.
State: NJ
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:
Cbna/sears XX/XX/20, XXXX XX/XX/20 and XX/XX/20, XXXX XXXX XX/XX/20 allowed fraudent applications to be processed with my information without my permission, I never applied for anything and never authorized these illegal inquiries that landed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Dovenmuehle Mortgage, 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: Account status incorrect

Complaint:
years ago i took out a va loan with Dovenmuehle mortgage. and they never closed it out. it has been killing my credit for years. i know it is on XXXX but i am unsure if it is on the other credit reporting agencies. i do no have the account numbers because this was 10 or more years ago. thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has me in collections for XXXX dollars. I have requested verification of the debt and they have not given me anything. They also sold this debt to multiple collection agencies and continue to report to my credit report. Experian, XXXX and XXXX also have not investigated accordingly as when I dispute the collection with them they report it as correct in less than 24 hours of filing a dispute. I have also reported this account to federal trade commission.

Company response to consumer: In progress
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: HI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IS VIOLATING THE FAIR CREDIT BILLING ACT. 

XXXX XXXX ARE VIOLATING MY CONSUMER RIGHTS BY REPORTING INACCURATE LATE PAYMENTS. 

THE ABOVE ACCOUNT WAS ALWAYS PAID ON TIME AND WAS NEVER LATE AND IT WAS PAID IN FULL IN XX/XX/2022. 

I HAVE DISPUTED THESE LATE PAYMENTS FOR THE LAST 8 MONTHS BY REQUESTING PROOF OF DOCUMENTATION SHOWING WHEN I WAS LATE, BUT I HAVE NOT RECEIVED ANY PROOF OF LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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: Personal information incorrect

Complaint:
my name and alias name and previous addresses 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 2020-02-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Working to avoid foreclosure submitted application for a short sale. Received an offer and submitted it. The bank sent out an appraiser to inspect the property and the bank sent out a decision letter based on that appraisal. The decision letter was dated XX/XX/2020, but it was not received until XX/XX/2020. The decision letter stated that they needed to receive XXXX to make a deal on the property. Rejecting the previous offer. 
Then they put a sale date on my property of XX/XX/2020 and say that I can not present a buyer with a hirer offer because it is too close to the sale date. 
Also my 3rd party Broker and myself have requested a copy of the appraisal and we were denied. 
I believe that Wells fargo is acting in bad faith by denying me a copy of the appraisal. 
Also once they came up with a price for me to sell the property then they denied me the chance to sell it. I have ready willing and able cash buyers with no contingencies and Wells Fargo will not accept the application to review. 
I feel Wells Fargo is using my property as a cash register for their benefit. I believe that are in violation of the law CPLR 3408 whereas the bank must act in good faith to review not Just for a Loan Modification but also short sale alternatives. 
Wells Fargo is acting in bad faith.

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 2023-03-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX 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 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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-06-26
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: Account status incorrect

Complaint:
In XXXX, 2016 I separated from my now ex husband. On XX/XX/2016, my ex husband was ordered by court to pay the XXXX XXXX mortgage on time and in full by the XXXX of every month. Only my name is on the mortgage. I have have gone to court over XXXX times to get him to pay the mortgage which has been extremely late every month. XXXX XXXX has refused to help address the negative factors on my credit report due to his failure to comply with multiple court orders. The mortgage has now been sold but my credit is destroyed due to the negative reporting by XXXX XXXX. 

I want my credit cleared of the negative marks as this has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

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 2023-01-26
Company: Experian Information Solutions Inc.
State: HI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IS VIOLATING THE FAIR CREDIT BILLING ACT. 

XXXX XXXX ARE VIOLATING MY CONSUMER RIGHTS BY REPORTING INACCURATE LATE PAYMENTS. 

THE ABOVE ACCOUNT WAS ALWAYS PAID ON TIME AND WAS NEVER LATE AND IT WAS PAID IN FULL IN XX/XX/2022. 

I HAVE DISPUTED THESE LATE PAYMENTS FOR THE LAST 8 MONTHS BY REQUESTING PROOF OF DOCUMENTATION SHOWING WHEN I WAS LATE, BUT I HAVE NOT RECEIVED ANY PROOF OF LATE PAYMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: SANTANDER HOLDINGS USA, INC.
State: CT
Product: Credit 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:
I was victimized by an XXXX scammer for {$960.00} in XXXX Seller used the familiar " send a dummy blank envelope '' to the same zip code as the buyer, and provide USPS delivery confirmation which ONLY shows delivery in a certain zip code, no actual proof of delivery, no signature. Santander refused to pursue my claim, despite there being NO proof of delivery- no photo of delivery, no signature, merely a USPS delivery confirmation scan in the same zipcode- which is part of the scam, as the item was likely delivered to a dummy address in the same XXXX mile radius. 

Reference # 's XXXX Filed a complaint with the CFPB, Santander had a women named " XXXX '' who proceeded to waste my time and shine me on- not her fault, it's clearly her job- who gave no explanation other than " XXXX providing information that the item was shipped to the correct address ''. Just complete lies, laziness, and no interest in protecting a client. 

Having previously been through this same process with XXXX, I know the next step is filing a signed paper stating NO MERCHANDISE has been received, at which time the merchant does not respond, and the money is returned. SANTANDER seems to be an absolutely shady bank which does not have the backs of it's clients. 

Consumer fraud of the worst order, with absolutely no protection from who is supposed to be providing protection- the credit card company.

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 2021-06-26
Company: INTERFIRST MORTGAGE COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have submitted all the requested information over 30 days ago and they will not provide a closing date or even a window of time for closing. My contact tells me it is in for final approval but can not give me a firm date or any other information. They have been extremely slow to respond and I suspect they are slowing the process deliberately. I asked several times to speak to someone in management but they refuse. XXXX XXXX has ignored my calls and emails and XXXX XXXX has been much more responsive however after multiple attempts to get a closing date they just give me the same answer and tell me there is nothing they can do. I am loosing significant interest savings every month that goes by without closure. I have good credit, income and there are no blemished on my financial track record. I am very dissatisfied with the level of service and attention this has received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.

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 2021-06-26
Company: Mar Joe Enterprises
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CBC is trying to collect money from me for a septic tank emptying that was ordered by XXXX XXXX and performed by a septic company I never spoke with nor had any dealings with. I never ordered this service and did not own the home at the time. I ordered an inspection not a pumping of the tank, which they, XXXX XXXX XXXX procured themselves. Then they turned this over to CBC who initially contacted me on a blocked number and refused to identify themselves as a debt collector, were rude and threatened to ruin my credit history and refused to give me any information about who they were and why they were calling. I have sent a letter to CBC asking for proof this debt is mine and they have none. This is consistent with the fact I never ordered such a service or contracted with anyone to have it done. At the time it was performed I DID NOT ON THE RESIDENCE.

Company response to consumer: Closed with explanation