BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
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 have disputed multiple times a collections account that does not belong to me and i have no knowledge of and is on my report and that continues to be reported by transunion credit bureau, i have called them multiple times and submitted diputes that result as information being accurate but they do not mail me proof of how they came to their result, i have continuously asked and no response and they are hindering my credit with this false information The collections amount is 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 2021-08-23
Company: Access Receivables of NC Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is another complaint being opened against access XXXX XXXX and the I will keep complaining about them because they were caught in a lie in a previous complaint. They were reporting that I owed {$2500.00} to the credit bureaus although XXXXXXXX XXXX took care of the balance internally. The company responded that the balance was for {$1700.00}. For the past 4 years they have been reporting the same balance of {$2500.00} and verifying with the credit bureaus that this amount was correct. Today they admitted the balance was {$1700.00} which is what Ive disputed several times and they refused fo update which is a violation of FCRA. I have pulled multiple versions of my credit report and the amount has always said {$2500.00} which was inaccurate. They even reported in XX/XX/XXXX that I paid them directly {$2500.00} which now has re-aged the date of last activity on my credit reports. There should have been any update of date of last activity because theres no activity on a collection account with a XXXX Balance! I have attached the previous CFPB complaint that shows the inconsistency of them never properly verifying the debt. I have proof of payment from the university directly. They said the pay off date reflected as XX/XX/XXXX and per the attached credit report from XXXX XXXX, the balance pay off date reflects XX/XX/XXXX. I asked them to provide the actual contract between XXXX and their company but they refused. XXXXXXXX XXXX provided the proof of our agreement but I do not have anything from this collection company. They have not properly validated the debt and have lied about their attempts to do so to the credit bureaus. if this isnt deleted off my report. Immediately, I will submit this entire file to a lawyer. 

They also never provided me with my initial 30 Days to validate the debt letter. This should have never ended up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023, I contacted NewRez, LLC, regarding an overpayment of property taxes. Upon reviewing NewRez 's annual escrow statement, I noticed they had made property tax payments for both parcel XXXX and parcel XXXX. My wife, XXXX XXXX, and I own both parcels. NewRez holds the mortgage on parcel XXXX, which is located at XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX holds the mortgage on parcel XXXX, which is located at XXXX XXXX XXXX, XXXX, XXXX XXXX. 

It has come to my attention that NewRez, LLC and XXXX XXXX XXXX have made duplicate county tax payments for parcel XXXX for the past three years. I have provided ample documentation to NewRez, LLC to show that they are paying taxes erroneously for parcel XXXX, but they have not yet resolved the issue. Despite my efforts, NewRez, LLC issued another erroneous payment for parcel XXXX on XX/XX/2023. 

NewRez, LLC has repeatedly closed my inquiry without notice or resolution, leaving me frustrated and uncertain about the outcome. Their lack of communication and action is unacceptable and has caused me unnecessary stress and inconvenience. I urge them to take immediate action to address my concerns and promptly resolve this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: Block, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I used the Afterpay service to finance a line of credit to purchase a product from a third-party merchant. I placed the order on XX/XX/XXXX, and immediately the merchant emailed to let me know the item was out of stock so they were cancelling the order, and I wouldnt be charged. However, on XX/XX/XXXX I realized that Afterpay was still holding the {$140.00} on my account with them, and which I had already made my first installment plan payment of {$45.00} on XX/XX/XXXX. The merchant said that the {$140.00} authorization hold should have been dropped off by now, seeing as it usually only takes 24-48 hours, and that they never charged Afterpay the {$140.00} for the order, since it was cancelled. However, each time I contact Afterpay they have said that they are waiting on a refund from the merchant to which Ive repeatedly explained that there is no refund being issued by the merchant, because the merchant never charged the {$140.00} for the order. Afterpay then said they will have until XX/XX/XXXX to refund the {$140.00} balance to my account, 8 days after the order was cancelled. This issue should have been resolved by afterpay on XX/XX/XXXX, as the authorization hold should not have remained past 48 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$83000.00}XXXX XXXX XXXXXXXX XXXX XX/XX/2022

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 2022-10-27
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:
This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXXXXXX, XXXX XXXXXXXX ; Inquiry : XXXX XXXX Inquiry DateXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXX XXXX XXXX I sent a dispute letter addressed to the Credit Bureaus, requesting the removal of unfamiliar accounts that are currently being reported on my Credit File. I strongly believe that these accounts are a result of fraudulent activity, and I urged the Credit Bureaus to promptly conduct an investigation and remove the disputed accounts from my Credit File. According to my understanding of the FCRA Section 605b, it is a legal requirement for Credit Reporting Agencies to eliminate any accounts and information that are a result of fraudulent activities. I am submitting this Complaint today as a follow-up to my previous Complaint. Once again, I request the immediate removal of the following accounts from my Credit File : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If, during the Credit Bureaus ' investigation, it is determined that I am the legal owner of these accounts, I kindly request that copies of supporting documents, bearing my signature, be provided to me. However, if such documents can not be provided, I greatly appreciate the prompt removal of the disputed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: MORGAN STANLEY & CO. LLC
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Not too long after recovering from XXXX, I deposited funds in E Trade Bank 's Max-Rate Checking Account. I then forgot that I had deposited it, as I was trying to get my life back in order after recovering from the devastating effects of XXXX XXXXXXXX. I didn't discover the checkbook until I moved to XXXX last year. When I called E-trade, representative XXXX told me that my funds had been transferred/dispersed to the the XXXX Treasury Department XXXX but I had NEVER gotten any statements from E trade Bank over all those years and they NEVER contacted me to let me know that they were going to, or that they had transferred my funds to the state! My funds do not show up at the XXXX Treasury Dept., the FDIC, or the Office of the Comptroller of Currency ( OCC ). Now E Trade is telling me that since it has been so long, they can't find it either, or verify the funds to return my money to me. This is devastating to me, as I feel that they never took the responsibility to send me statements or inform me about the transfer of the funds. I need my money. XXXX, the E Trade rep, told me that he couldn't give me his email or the name of his manager, but that their E head management office is at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
There are accounts on my consumer report thats is identity theft. I didnt provide written permission with a wet signature for them to be reported on my consumer report. I reached out to you recently to fix these! Im requesting that this info is blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint not being handled accordingly. I have not been able to puurchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2021-08-23
Company: California Business Bureau, Inc.
State: CA
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:
A few months ago I took a look at my credit report and found inaccurate information on it. One of them was a collection account from California Business Bureau. So on XX/XX/2021 I sent out a letter to them asking them to validate this account and to send me proof of the debt. I wanted them to send me proof that the debt was mine. However, in XX/XX/2021, they wrote a letter back stating, " there is no basis in law to substantiate your right to such information ... there is no duty to comply ''. I find this hard to believe since there are laws regarding this. I wrote to them again, however, I am submitting a complaint here because I do not want to be lied to by this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been brought to my attention that you are not hindering records when I sent a multiple copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00}, XXXX XX/XX/2022, XXXX XX/XX/2022

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 2023-10-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Iam not reliable for this debt with GENESIS CREDIT MANAGEMENT company I do not have a CONTRACT with XXXX XXXX XXXX company.They did not provide me with original CONTRACT as I requested I demand this correction on my credit report this account be removed from my credit report from XXXX and XXXX accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-03-26
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: Account status incorrect

Complaint:
Theres some issue with this because the account is close and I dont know what to do

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 2023-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a dispute of transactions that were NOT approved by me or done by me or any authorized user of mine which is only me. The Wells Fargo claim number is : XXXX totaling {$12000.00} which was denied. I appealed and it was denied again. This is my HARDWORKING money that I need back. Wells Fargo claims in the appeal denial that it was authorized by me or someone authorized to use my account. This is 100 % false. I never in fact did any of these transactions. Im not sure what else to do to hopefully get my money back so this is my last resort. I will also be changing banks from now on if this does not get resolved with them.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a dispute letter addressed to the Credit Bureaus requesting the removal of the unfamiliar accounts being reported on my Credit File on XX/XX/2023. I believe this is a case of fraudulent activity and I requested that the Credit Bureaus conduct an investigation and if possible, remove the disputed accounts off of my Credit File as soon as possible. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required by Federal Law to remove any accounts and information that resulted due to fraudulent activities. I am submitting this Complaint today to follow up the previous Complaint I submitted. Once again, I need the following accounts removed from m Credit File as soon as possible : permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}. If the Credit Bureaus investigation find that I legally own these accounts, please send me copies of documents supporting such claims bearing my signature. In the absence of such documents, immediate removal of the disputed accounts will be greatly appreciated.

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 2023-07-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I contacted XXXX on XX/XX/2023 after receiving an email saying that there was a problem with one of the documents I uploaded to verify my identity. On that call I asked the agent why didnt my mortgage statement suffice that I not only owned my home but lived there and she decided to get unprofessional and I asked to speak to a supervisor. However while the call was being transferred I was hung up on. I called again on XX/XX/2023 about being sent another document upload link to upload a copy of another bill. On that call I once again dealt with someone unprofessional who began to over-talk me. She did tell me that on my call that I made on XX/XX/2023, I stated the application was fraudulent. I said I never said anything about the application being fraudulent only that I didnt want to keep sending in all of my information because I dont know if any of them do fraud and will steal my information. I then asked to be transferred to supervisor and thats when I spoke with XXXX. She like all the other agents tried to over talk me and the proceeds to tell me that I did say the application was fraudulent. I said well then the call needs to be listened to and she responded theres nothing we can do and then refused to give me her employee ID when I said I was filing a complaint. Ill NEVER SHOP AT TARGET again because all of this felt like retaliation because I told the rep on XX/XX/2023 to talk to my respectfully and when she chose not to I asked to speak to a supervisor in which she hung up on me instead. Im also getting a lawyer involved since Target  XXXX likes to use retaliation tactics to dismiss potential customers

Company response to consumer: Closed with non-monetary relief