BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: CT
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:
Upon receiving my credit report from all three bureaus, including XXXX, XXXX and Experian I have noticed incorrect reporting. The first reporting on my credit report that is considered fraud would be a collection from XXXX ( XXXX XXXX XXXX  ) in the amount of {$110000.00}. The second incorrect filing on my report would be from XXXX XXXX XXXX XXXX XXXX ) in the amount of {$1100.00}. The third incorrect filing is from XXXX XXXX XXXX  in the amount of {$880.00}. Regarding the 3 incorrect filings listed above I have contacted both the service providers as well as XXXX, XXXX and Experian to dispute the filings. I have also reported the incorrect filings to ( IdentityTheft.gov )

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 2021-11-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: NY
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 see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely 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 non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: NJ
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$13000.00}.

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 explanation
Consumer complaint received 2021-07-29
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TN
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 was approved for deferral yet Im still showing delinquent for those months. They do not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CITIBANK, N.A.
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
They have blocked me from transferring ANY funds from my {$75000.00} in a savings account over to my other bank. I've been on the phone with them for over a week and every day promised the block would be removed and it hasn't. They've wasted dozens of my hours and I bill over {$250.00} an hour for my business.. That equates to THOUSANDS of lost dollars I could have been working. 

I am also putting together a lawsuit for treble damages and pain and suffering for the entirety of the {$75000.00} as I have been in tears multiple times, lied to by there associates, and am unable to pay my over dozen employees. Over a week and unable to access {$75000.00} as a SMALL business. How is this ok? And to be told over 3 times by different SUPERVISORS that my funds would be accessible. I am also pursuing the individual Citi employees as claimants in the suit specifically and personally, who have lied to me about unlocking my account. I have had to pull a loan with over 9 % interest just to cover my bills. That interest also needs to be covered by Citi.

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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2021-06-03
Company: EQUIFAX, 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:
To get Equifax to properly classify item below XX/XX/XXXX on my Equifax Credit profile. 
XXXX XXXX XXXX| xxxxx XXXX {$17000.00} 87 % Reported Balance Credit Utilization Now showing on my credit profile with them as a revolving account, to an installment account. Removing it from the revolving account classification once and for all. 

Equifax Im told has some Excuse or Rule that if the interest rate is below a certain percentage they classify it as a revolving account. Or at least that is the way I understood it. 

From XX/XX/XXXX thru XX/XX/XXXX My credit Union has had numerous conversations with them as well as a personal call from me and written communication to get them put it in its proper classification. It is destroying my credit utilization profile and ruining my chances at good credit. It is a fixed loan amount with a fixed monthly payment therefore meets the requirements of an installment account, as one of their supervisors revealed to me its obviously an installment account over the phone.

Both XXXX & XXXX are showing the account correctly. 

They did put the XXXX XXXX XXXX Account Now at {$17000.00} balance in its proper classification around XX/XX/XXXX but it only lasted a month and reappeared in XX/XX/XXXX. Unfortunately, I informed my Credit Union that the problem was solved at that time and they may have I fear, quit pursuing the fix. 

You would think with all the issues and breaches they ( Equifax ) have had they would endeavor to make themselves not only a little more consumer friendly but accurate. Still to date I have not received any of the services promised to me because of their data breach. But that is another story.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: Experian Information Solutions Inc.
State: NY
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:
Unauthorized inquires on my Experian 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 2020-11-10
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: Investigation took more than 30 days

Complaint:
A validation letter was sent to the collection companies in dispute. According to FCRA guidelines, after 30 days of no response from a collections company from requesting validation, an immediate deletion would be in order, a letter requesting that deletion was sent to the bureaus and they have yet to act accordingly. As per FCRA guidelines they are now in direct violation of those guidelines and thus the reason for my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: SUNRISE CREDIT SERVICES, INC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never had any services nor contracts with SUNSET CREDIT SERVICES OR XXXX XXXX. This is the THIRD company to attempt to put this fraudulent account on my credit report. I have already made it very clear I have never had services with XXXX XXXX nor given anyone permission to use my name. I also have not lived in New York State since I was in HIGH SCHOOL. I am now XXXX XXXX XXXX Also I have never lived at the address XXXX  XXXX has on the account either. ALL was fraudulent and handled about 3yrs ago, now ANOTHER company is attempting fraud with the same account. TAKE ME OUT YOUR SYSTEM and REMOVE from my credit report immediately. XXXX XXXX is well aware this was a fraudulent account so Im not sure why you have it attempting to collect FRAUDULENTLY. My next step will be to contact my lawyer because this is absolutely ILLEGAL & UNETHICAL PRACTICES.

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 2021-11-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Was on active forbarence plan with flagstar called to request to come out and selected the option to put missed payments at back of loan in XXXX was told I would get a letter to except offer and not to pay at this time until after letter was received them today XX/XX/XXXX received letter from a different servicer sayin they own the loan and no offer of any type was reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone created fraudulent checks under my name for various amounts totaling {$12000.00}. They submitted these checks at Chase Bank and XXXX Bank in XXXX, NY starting from XX/XX/2023. They also tried to make a wire transfer from Chase to XXXX Bank ( a fake account they opened under my name ) for $ XXXX. This was declined. However they went to a Chase Branch and was able to hijack my account. Change my email and phone number. My accounts were already frozen and Chase made matters worst by giving this person my personal banking account. Now they can see everything in my accounts. I received no alerts from Chase except for a XXXX payment to an unrecognized name. On XX/XX/2023 they made a {$3000.00} withdrawal and wrote another fraudulent check for {$4800.00}. On XX/XX/2023 they were still able to make withdrawal of {$3500.00} and I received NO ALERTS again. Even though my account specifically says no checks to be made. No withdrawals unless at the branch I specify. As a Chase client for almost 20 years, I am appalled that someone who speaks no English can impersonate me. My credit score dropped from XXXX to XXXX. I had to cancel all my cards including debit card because they allowed this person to have access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: VA
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : I'm writing to you in concern of some inquiries that are reporting on my credit file that I do not recall. 
Please see items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please forward me any documentation providing proof I applied for credit with these creditors. If proof can't be provided, then please remove these inquiries from my credit profile immediately. 
Sincerely, 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 2022-09-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Oh XX/XX/XXXX I was sent a letter from self financial stating that they was allowed to furnish anything on my account with my consent. I was never given the chance the opt out of there privacy disclosure at all. They are not following the XXXX XXXX part XXXX under The XXXX XXXX about giving a chance to allow the consumer to opt out of the disclosure of the consumers nonpublic personal information to a nonaffiliated third party if the disclosure is outside of the exceptions. So now that they violated my rights under that act.I would like this removed all late payments and all negative information related off my credit report on Experian account # XXXX is self account number.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: GA
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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 




15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from 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 2023-08-29
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: Public record information inaccurate

Complaint:
I have asked XXXX to correct my public record showing XXXX XXXX which was filed XX/XX/2023 and discharged XX/XX/2023. Credit report is constantly reporting bad debt and late payments despite the law of bankruptcy and filing. My rights to restart or stop negative reporting have been violated. I sent in several disputes.

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 2023-01-26
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint has grossly mishandled my money. My mortgage transferred to them beginning XX/XX/23 and even though the welcome letter told me the auto-draft would remain in effect, when the payment due date passed by without a auto payment made I contacted them and the rep told me the auto-pay function didn't work during the transfer. She said I would need to pay a manual payment and set up the auto-payment again. I did so on XX/XX/23. The following day, Shellpoint still drafted the using the auto pay for the 2nd time. So now they drafted it twice. The amount they now held of mine was over {$6100.00}. I requested an immediate reversal and they said they can't reverse and would send a payment via ach right away and i would receive in 3-5 days. After 5 days I called and they said no, they actually sent a check and it would be there in 10-14 days. I said no, i needed it right away. They cancelled the check and resubmitted an ach. They assured me it was all set. After 5 days I called and the lady said it would be in my account by the following day. 2 days later and I still didn't get it. I called again and the rep said the ach was submitted in error and they needed to do it again. By now XX/XX/23, they've held my {$6100.00} for over 16 days. I finally got more testy and demanded an immediate resolution, i suggested i needed to speak with someone who could approve a same day wire as this whole process was unacceptable. Instead of being helpful, the person on the line set up the virtual wall that I can't go any further, that I can't get an immediate response, and that I'll have to continue to wait. If i could simply take my business elsewhere I would, but since I have no choice in who services my mortgage, the least I can do is write a poor review. Horrible company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to XXXX or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation