BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Balance {$910.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We were notified that our loan of {$340000.00} was sold to XXXX XXXX  and the servicing was being transferred from Dovenmuehle Mortgage to XXXX XXXX XXXX  at the end of XXXX. At the time, we had already arranged an electronic transfer of {$1500.00} from my husband 's XXXX XXXX account to Dovenmuehle for the XXXX mortgage payment of {$1400.00} plus {$89.00} addition to be added to the principal. I called Dovenmuehle in late XXXX to cancel the transfer and I attempted to cancel the transfer myself on their websites. Both were unsuccessful. I was told by the customer service rep at Dovenmuehle that our transfer would either not go through or if it did, it would be transferred over to XXXX XXXX. Our transfer did go through on XX/XX/2020 to Dovenmuehle. Since that time, our loan for the full amount of {$340000.00} was transferred to XXXX XXXX, however, our XX/XX/2020 payment of {$1500.00} was not transferred or refunded to us and is not reflected in the balance that was transferred to XXXX XXXX. I called both XXXX XXXX which has no record of a transfer from Dovenmuehle, and Dovenmuehle was told various excuses on my several calls to Dovenmuehle including this last time on XX/XX/2020 with my attorney on the phone speaking to a supervisor at Dovenmuehle named XXXX. We were told Dovenmuehle needed to find a tracking number for the transfer to XXXX XXXX. We wer told the Dovenmuehle had the money on a suspence account. We were told they never received the money until I provided them with a copy of the bank statement showing the transfer at which point they said they never received the statement. We expected to hear something back by yesterday XX/XX/2020. No response. No tracking number for our money. No explanation for where our money is. We had to make an additional payment to XXXX XXXX to keep from having a late fee applied to our mortgage payment and we are still missing our money. We either need to get a full refund or have the money transferred and applied to our loan at XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have repeatedly contacted TransUnion to have Bankruptcy XXXX removed from my credit report. I have sent letters to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. TransUnion has failed to provide me with any verifying documents and has refused to remove the Bankruptcy XXXX from my credit report. In my most recent letter on XX/XX/XXXX, I requested that TransUnion provide me information that details how they have verified the Bankruptcy XXXX on my credit report. TransUnion sent me a letter stating that the information they use to verify public records can be found at XXXX XXXX XXXX When I go to this website ( I have provided a screenshot of the website ) it states that they use information from XXXX to verify Bankruptcies. I have attached a letter from XXXX stating that they have removed Bankruptcy XXXX from my XXXX report on XX/XX/XXXX. TransUnion must delete Bankruptcy XXXX from my credit report. XXXX could not verify the Bankruptcy and TransUnion uses XXXX to verify Bankruptcies. XXXX also stated that they sent TransUnion a letter to have the Bankruptcy removed from my TransUnion credit report. XXXX sent this dispute request to TransUnion on my behalf on XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX that TransUnion HAS NOT RESPONDED to the dispute sent by 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 2020-12-22
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a check I had from XXXX and from XXXX that seemed like valid checks. XXXX XXXX linked to XXXX said the bank Huntington did not want me to have a bank account with them- she said " they do not want a relationship with you ''. XXXX XXXX 5000 persons from XXXX in the XXXX XXXX against XXXX. I would like my account reopened with the {$300.00} dollars in excessive fees that Huntington charged me refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of 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 non-monetary relief
Consumer complaint received 2021-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was forced to close my sign store due to the XXXX Pandemic. In XX/XX/2020 I was diagnosed with XXXX and was hospitalized for a month. During this time I applied for a forbearance plan and was told that my investor did not participate. I don't know who my investor is but the world is in a pandemic and my investor does not want to help. Now, I have recovered and back to work and would like to start making my mortgage payment again but the lender is refusing to take payments. I applied for loan modification and or deferment and was denied, they did not give me a reason why I was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
1 ) Withholding available credit for purchase. I made a payment of {$1500.00} to my citi double cash card on XX/XX/2019. It was posted on my bank account on XX/XX/2019. However, Citibank chose to withhold {$1500.00} from available credit as if XXXX XXXX is a fraud. When I contacted the credit card via chat, I was told the Hold will be removed on XX/XX/XXXX. It is the end of XX/XX/XXXX, the " Hold '' is still there. The total credit limit is {$8000.00}, I have XXXX balance on the credit card with less than {$1800.00} pending purchase, I only have {$460.00} available credit for purchase. there are must be something wrong here. Citi bank only told me it is policy. 
2 ) lack of tools for effective communication. Other banks such as XXXX XXXX, XXXX  XXXX XXXX offering secure message center. I can just send questions about my credit cards and bank accounts, they respond within 24 hours. It is very convenient and effective. At Citi, there is no way for me to send message. I can only view documents at message center. I don't understand why. I used Chat twice, it is not effective. I have to wait 12 minutes to have a customer rep to chat with me. That person did not know much to help.

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 2023-10-09
Company: Experian Information Solutions 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:
please CC all companies you are finding below THAT ARE HIGHLIGHTED. XXXX XXXX XXXX XXXX XXXX XXXX CC : EXPERIAN XXXX : XXXX XXXX XXXX XXXX XXXX XXXX CC : SOS OF FLORIDA. This notice is to inform you that someone unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.. The purpose of this letter is to dispute the validity of the debt being claimed under the XXXX XXXX XXXX XXXX ( XXXX XXXX ). I strongly believe that this alleged debt is in direct violation of the XXXX XXXX XXXX XXXX, which prohibits any form of debt bondage or involuntary servitude arising from human trafficking. I am a victim of 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 am requesting these inaccurate accounts on my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect and need to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2021-06-02
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I have disputed this fradulent public record numerous times with the credit bureaus. XXXX  and XXXX  refuse to remove this incorrect information from my credit report, XXXX  has done so already after properly investigating and proving it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions 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:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my checking account and would not even give me a reason for doing so. There was no justification for doing so since I was in good standing with them. There was only a fraud with someone in Texas trying to charge {$.00} on my debit card at a gas station. This was not even my fault. 

Additionally, they only gave me a same day notice on a Friday and I had to do without funds for the entire weekend. The funds I have in the account, they want me to wait 1-5 business days before I can get my money back through a cashier 's check from them that is in the account. This banking practice by Bank of Ameria is so very unfair.

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 2023-07-27
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: Account information incorrect

Complaint:
I reached out to the credit bureau regarding credit inquiries and a collection account that is not mine, and I did not authorize. 


According to 15 USC 1681- it is defamation to my character and livelihood.

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 2019-07-10
Company: EQUIFAX, 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:
On XX/XX/19 I paid {$29.00} to my credit monitoring account to review all three credit bureaus and became aware that there were significant fraudulent accounts on my credit reports. After reading my rights as a consumer in the Fair Credit Reporting Act, I typed and signed a dispute letter accompanied with an Identity Theft Affidavit by the XXXX XXXX XXXX  as well. I sent all three letters and their contents to all credit bureaus, XXXX, Equifax and XXXX XXXX onXX/XX/19and I confirmed all three bureaus received them on : XXXX   Tracking : XXXX DeliveredXX/XX/19 XXXX XXXX Tracking : XXXX Delivered XX/XX/19and Equifax tracking : XXXX XXXX  delivered. I know I have to give the credit bureaus legally 30 days to investigate and process, however it is nowXX/XX/19( 40 days since the credit bureaus received my packages ) and I paid another {$29.00} to my credit monitoring accounts only to discover that NONE of the disputed accounts have been removed from my credit. I am writing to the Consumer financial protection bureau to assist me on this issue and correct it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: NV
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 review current copy of my credit report and show inaccruate information. I sent dispute with no reply and show it has been more than 60 days. Account name XXXX XXXX XXXX  Account number XXXX. Is show as a chargeoff account with an open balance reporting in the amount of {$2500.00}. I understand this is a direct viloation of FDCPA and that no chargeoff can report a balance and it must show as {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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: Old information reappears or never goes away

Complaint:
I have reported by mail and phone calls on many occasion 's that I only have XXXX name, and XXXX address I have sent them my XXXX drivers License and proof of address and still they do not remove the wrong Information. It is unlawful to report false Information.

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 2021-05-20
Company: Experian Information Solutions 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 am a victim of identity theft, I am tired of going back and forth with this company and get nothing. I want these items removed, They are breaking the law reporting inacurrac=te information, Nonne can tell me who was contacted. how it was verified, and I don't want ti was verified by the computer e Oscar, I want a person who was spoken to and all information. I have done my own research and I know they are fraud, REMOVE FROM MY 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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Upon checking my credit profile while building it, I recognized a number of unrecognized inquires soft and hard. These unauthorized a few absolutely fraudulent are Impeding me from boosting my credit or even qualify for a bicycle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I opens my credit report and noticed my XXXX account says I was late on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  I have never been late on 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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXXXXXX

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