BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: Contemporary Information Corp
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, TX XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 refused to dispute Hard inquiries apon request. 
In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
All inquiries posted by companies with whom I have no accounts should not be posted to my credit report. This negatively affects my report and ability to acquire future credit. This is an unacceptable violation of my right to privacy

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 2020-10-02
Company: World Acceptance Corporation
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: Their investigation did not fix an error on your report

Complaint:
they keep saying its verified but they have not shown proof of account it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I just want to make sure that we are on the same page about these charges on this account in XXXX I had a balance forward of XXXX I have one all but two dispuite on this card with the card being closed since XX/XX/2023 so I have not been able to use it. I reopened and dispuited charges on XX/XX/2023 and want to make sure that Goldman Sachs recived the dispute..my calculation is that I should have a credit balance of {$1000.00} after the last two dispuites have been resolved. I want to make sure I get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: AZ
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 refused to dispute Hard inquiries apon request. 
In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
All inquiries posted by companies with whom I have no accounts should not be posted to my credit report. This negatively affects my report and ability to acquire future credit. This is an unacceptable violation of my right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-02
Company: EQUIFAX, 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:
There is an unauthorized account on my credit report. XXXX XXXX XXXX . This account was never requested and I am not aware of these account can you investigate. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to request the immediate removal of credit accounts associated with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the account status, date last active, and date opened, all of which are in direct violation of 15 US Code 1681e ( b ). Furthermore, I never provided written consent for XXXX XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to rectify these issues by ensuring the swift removal of these erroneous accounts from my credit report. Your immediate attention to this matter is 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 non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-26
Company: Phoenix Health Care Management Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX violated my right to privacy by furnishing my private Protected Health Information to HSI financial Services , LLC without my authorization. The unauthorized disclosure of my private health information allowed HSI financial Services , LLC to illegally obtain individually identifiable information about me, my health condition, and private information regarding my treatment. HSI financial Services , LLC unauthorized access to this information is a violation of HIPAA and a violation of the Fair Credit Reporting Act as my right to privacy was infringed upon. HSI financial Services , LLC then used this unauthorized information to harass me by contacting me without my consent via postal mail and via telephone. Beginning on XX/XX/2022, I've been receiving daily unconsented harassing robo phone calls from HSI Financial Services , LLC from a ( XXXX ) XXXX number with claims of an attempt to collect a debt. The Fair Debt Collection Practices Act prohibits such behavior from debt collectors. On XX/XX/2022, I sent HSI a cease-and-desist letter with demands for documentation to assess and validate this alleged debt. I have not received a response, or any of the requested documents. HSI Financial Services , LLC 's refusal to reply and their negligence to provide the requested documentation violates my right as a consumer to validate the legitimacy of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges. 

In XX/XX/XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of. 

Currently, the late payments for XX/XX/XXXX and XX/XX/XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus. 

I also received a letter from XXXX -- XXXX XXXX dated XX/XX/XXXX that says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XX/XX/XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XX/XX/XXXX, how  could I have late payments in XX/XX/XXXX and XX/XX/XXXX of that same year? 

Thank you for your help in this matter.

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: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, At this point this has been a couple years, but I opened up a Saving account with Marcus Savings and I transferred 2 amounts from my XXXX XXXX account and a couple days or week later I called to check on my account. The 2 amounts were around $ XXXX $ XXXX. I was told that my account was closed and the amount was being sent back to XXXXXXXX XXXX I literally never did anything fraudulent or something against the law for you to close my account abruptly. I was literally a brand new client for at least a few weeks at the time so this had to be a mistake. Please allow my account to be reinstated or open another Saving Account. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THERE IS ANOTHER FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORTS THAT NEED TO BE REMOVED IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: Dovenmuehle Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with XXXX XXXX. They sold our loan to Dovenmuehle to service it. They can not accept my payment even though it is due on XXXX XXXX. They said to try back on XX/XX/XXXX. There is no communication on their website. I was not sent any communication letting me know about this problem. When I got a hold of a representative, he refused to send me information saying that it is okay not to pay my mortgage. He said that this phone call is being recorded and that is my legal recourse. This is illegal, right?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm so disappointed on how this came in form my credit report. I've never been late and I work myself day and night which is so unfair to me as you aer damaging my reputation 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 2020-10-02
Company: AFNI 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:
AFNI Collections is reporting a debt on my credit report that is not mine. I recently checked my credit and noticed this debt on my credit file. I called immediately and told them this could not be mine as the original creditor was XXXX XXXX XXXX and I have never had an account with them. This collection is erroneous and needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : mountainamerica credit # XXXX A 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 Section 2 : It also states a consumer reporting agency can not furnish an 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. 

beenmorethan XXXX suspectedfraudactivity/any amounts owed have beenpaid off XXXX XXXX  : XXXX  XXXX source of information from : macu

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I have been awaiting a mortgage refund check in the amount = {$910.00} since XX/XX/XXXX. ( more than 3 years ago!! ) I have called almost weekly to get an update. Most recently I spoke with a Supervisor " XXXX '' ( initials XXXX  ) on XX/XX/XXXX assuring me that I would be emailed a confirmation of the mailed check number XXXX. There was zero result - no email, nothing. 
The deadline to confirm these monies = XX/XX/XXXX or forfeiture of funds. 
I have emailed confirmation on XX/XX/XXXX again that I am claiming this property. 
I have called weekly without result. 

Please followup with status and update on the refund check please. 
There is something critically wrong with the service at Dovenmeuhle - this is beyond reason. 
I will also followup with a complaint with the XXXX  as well. 

I can be contacted at : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
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:
Hello, XXXX XXXX XXXX. Im need to buy a house for my children and I. There are so many and inquires collections listed on all of my credit reports. Mostly all of them do not belong to me and they are a result of identity theft. Please remove as soon as possible so that I am able to rebuild my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 

See documents attached

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 2023-07-24
Company: Future Judgement Solutions
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
FJS Global keeps trying to contact me over someone else 's debt. I have had my phone number for approx 15 years and I am not the person that they are trying to contact. I have told them multiple times to stop contacting me and they keep trying to contact me about monthly. I have spoken to representatives multiple times to stop calling and they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite my previous attempts to rectify this matter, it seems that my concerns have not received the attention they deserve. The ongoing presence of this fraudulent account on my credit report is causing significant harm to my financial standing and reputation, and I implore you to take immediate action to address this situation. 
Account Details : XXXX XXXX XXXX This situation not only violates my rights as a consumer but also raises serious questions about the effectiveness of the credit reporting process. 
I understand that credit bureaus have a responsibility to ensure that the information they provide is accurate and up-to-date. The presence of a fraudulent account on my credit report not only damages my financial standing but also erodes my trust in the credit reporting system as a whole.

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 2023-07-24
Company: The Bureaus, 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: Was not notified of investigation status or results

Complaint:
I have sent several request to XXXX to correct this credit error but have not received any response. This is affecting my credit and I am not able to purchase my home. This needs to be removed immediately

Company response to consumer: Closed with explanation