BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
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:
the credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. this ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i he the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions due to these violations of my rights i have been denied use of my va home loan for years and have dealt with constant homelessness even at this point. it has caused me a lot of grief and pain and cost my marriage. the amount of damage that has been caused due to violation of my rights cant be accounted for

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2021-05-16
Company: CITIBANK, N.A.
State: VA
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 like looking at my credit report and it showed multiple loans had been taken out of my account that I did not do. There is two student loans taken out this year in XXXX of 2021 that I did not file and they are up to 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 2021-05-16
Company: JPMORGAN CHASE & CO.
State: VA
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 like looking at my credit report and it showed multiple loans had been taken out of my account that I did not do. There is two student loans taken out this year in XXXX of XXXX that I did not file and they are up to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-04-14
Company: EQUIFAX, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 my 15th 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 XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance XXXX {$420.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance XXXX {$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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I tried to open a to open a credit card to build my credit score and was told all I had to do is to First have the {$500.00} available and submit an application and it would take 24 to 48 hours being that I had to fund the account if I didn't have the money I wouldn't be able to use the service they wouldn't give me the opportunity to try I have a copy of they're denial letter I'm submitting!

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 2023-08-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company sent Insurance payment to wrong address and once discovered mortgage company sent a second check. Insurance company would not reinstate due to lapse from non-payment due to admitted mortgage company error. Alternate insurance when the sourced and paid but cost over {$2000.00} annually. Mortgage company issue third check for the now larger amount. Mortgage company has credited me the {$2000.00} additional cost and also one of the two initial checks but after more than 5 months still has not credited the second check. They have re-escrowed my account costing me hundreds of extra dollars each month. Although I have gotten through to one of their supervisors occassionally it is almost impossible to get through to them and voice mails are often not returned and email address not provided. Attempts to get contact information for their Corporate Offices to bump this up the chain have been unsuccessful also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: CITIBANK, N.A.
State: FL
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/XXXX I placed an order with the online clothing store which was advertised on XXXX - XXXX XXXX XXXX The total amount was {$220.00} paid by my Citibank credit card. For some reason the credit card charge shown on my account was for {$99.00}. After a few days I checked the order status and it still showed " Not shipped ''. I checked the XXXX and the store ad was updated to a different domain. I tried to contact the store by email and the email turned out to be unavailable. The store turned out to be a fraudulent website located outside of the United States as the banking charge showed the merchant location in XXXX XXXX. 
On XX/XX/XXXX I disputed the transaction with Citibank and the bank gave me a conditional credit of {$99.00}. I also called the bank on the next day and reported my card to be compromised, they cancelled it and sent me a new one. 
However, on XX/XX/XXXX I received a new email from Citibank that the conditional amount of XXXX was reversed because I 'accepted responsibility for the {$99.00} dispute with the merchant from XXXX XXXX XXXX and the dispute was closed in the favor for the merchant. 
I never accepted the responsibility for this transaction with the fraudulent merchant and simply wanted to get my money back as I was swindled out of my money by scammers from XXXX XXXX. 
I believe that the bank did not stand by their customers by offering financial protection and did not provide adequate investigation for the disputed transaction which was obviously a fraud scenario. 
I would like to file a complaint with the CFPB to get this investigated and receive a credit from the bank for {$99.00}. Please assist me with this case.

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 monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TN
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: UT
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 disputed XXXX  XXXX since it appeared again on my credit report again as a charge off and late payments, this is fraud, XXXX XXXX personally removed it last year due to fraud so it shouldnt off been added back on thats illegal and against fair credit reporting act, I need this removed now since XXXX XXXX is fraud and I didnt sign up for it and as they see on there records it was indeed removed and XXXX XXXX did remove it 1 year or so ago and thej just after that long add it back as charge off that isnt right and against the law remove it now from my credit and block thisninfo

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 2021-05-17
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:
I AM A VICTIM OF IDENTITY THEFT. AFTER SPEAKING WITH THE POLICE I SENT IN A LETTER WITH AN IDENTITY THEFT AFFIDAVIT ALONG WITH 3 FORMS OF IDENTIFICATION TO EQUIFAX ON XX/XX/2021. I sent the letter over 30 days ago but I STILL DONT HAVE A RESPONSE FROM EQUIFAX. EQUIFAX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION OF THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: OH
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 U.S.C 1681. 

Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX Account name XXXX. XXXX  XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Has 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions/consent.

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. 

15 U.S.C 1681 ( A ) ( 3 ) look Equifax Congress made it clear that you assumed this role I never gave you permission and you didn't exercise your grave responsibilities plus you were unfair partial and conspicuous had no respect for my right to privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Alleged debt was purchased by listed Collection Company or Representation  on XX/XX/2023. I made a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, asking XXXX and Resurgent Capital Services to provide a list of documents they never provided. Instead, a simple account statements ( or two ) were sent, along with a letter ( Not certified by any entity ) explaining how they purchased this alleged debt. Anyone can sit in front of a computer and type such letter. All the requested documentation was never provided and 30 days had passed. Collection needs to cease right away. I gave them 30 days to respond to such request and they haven't. I'm attaching this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
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: Was not notified of investigation status or results

Complaint:
I have attempted several times to dispute this issue with letters and have not gotten a response. No legal proof of the debt to the collection agency have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : RE : request investigation of an authorized inquiry To whom it may concern, I checked my personal credit report which I acquired from your organization on ( ) and noticed that this an authorized inquiry had been made. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please remove or I will contact the FCRA. Furthermore, I am allowed under the ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX  for them to release my medical information to a third-party. 
I understand that the ( HIPPA ) does allow for limited information about me, but any details may only be reveal with the permission of the participant. Therefore, my request is twofold and as followed : Validation of debt, and HIPPA Authorization. Please provide a breakdown of fees, including any, and all collection cost and medical charges. Please provide a copy of my signature with the provider of service to release my information to you. Immediately cease any credit bureau, reporting until death has been validated by me. I am unaware of this collection. Please validate or remove this account. 
Therefore, I must request your help in resolving this matter. In accordance with the fair credit reporting act, I request you immediately initiate an investigation into this inquiry, on my credit report to determine who authorized the inquiry. If once your investigation is complete, you find my allegations to be true please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the listed address above. 
If you find my last inquiry above to be valid, I request that you send me a full description of the procedure used in your investigation within 15 days of the completion of your investigation. 
Thank you for your assistance. 

Sincerely, 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was scammed out of {$600.00}, and Wells Fargo did absolutely nothing to help me to obtained my returned funds. I am on XXXX, and those scammers really put a hurting to me, and my pocket book. I got really sad and depressed, when I found out Wells Fargo did not have my better interest at heart. It has been two years, and I have been waiting to hear something about my stolen money, but to no avail. Please assist me in order for my stolen money, to be refunded to my Wells Fargo account. Thanks for your kind consideration. Anticipating a favorable response for me. Thanks in advance

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 2016-11-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Ocwen Loan Servicing charged me over {$4000.00} in annual fees by placing forced homeowner insurance policies knowing my XXXX Mortgage loan is paid in full. Recently Ocwen was forced to settle its forced place insurance class action lawsuit. in XXXX Ocwen was able to receive court judgment by using fraud documents to rescind my XXXX Option One Mortgage, and my XXXX XXXX XXXX full reconveyance. Since the fraud judgment was granted I been requesting my XXXX XXXX and XXXX XXXX XXXX statements from Ocwen several times because I was unable to locate my account numbers to get the records, Ocwen always denied my request. Recently Ocwen 's outside counsel, XXXX, agreed to release my bank statements because he knows the statues of limitations has expired and that I will be unable to gather the bank evidence that my loan is paid off. Also, I was recently notified by officials that a insurance policy paid off the pretender lender made up loan in full years ago. Ocwen has committing years of fraud looking for free homes from victims to rip off to gain its wealth. I demand the consumer financial protection bureau involve the DOJ and the FBI into my matter. I need help defending myself again Ocwen criminals. Recently, XXXX XXXX, XXXX, I requested all of my payment history from ocwens counsel XXXX, from XXXX to recent, as of today I still have not received the payments history, including all fees, and all the years of forced placed homeowner policies. I believe Ocwen knows it 's companies a fraud and if they released the information that I 'm entitled to would cause the fraud company harm because they would be caught ripping me off. 
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Company response to consumer: Closed with explanation