BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 USC 1681. 

Account name : XXXX XXXX account number XXXX, Account name - XXXXXXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX Account name : XXXX Account number XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer repoeting agency may make any consumer report containing any of the followong information. Any adverse item of information, other than records of conviction of crimes which antedates the report of more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
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 USC 1681 XXXX XXXX XXXX Account # XXXX PXXXX  XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, has violated my right 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
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: Account information incorrect

Complaint:
XXXX has erroneous/ false payment records they claim i was a customer of XXXX XXXX XXXX from 2016. 
however the record only reflects XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: UMB FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been attempting to close my checking and savings account with UMB for several weeks since XXXX  out the balance. I have called, sent emails, and sent regular mail. When calling, after an excessive wait, I inevitably get disconnected. Emails get replies that " closing your account can not be done by email. '' No response or action from the regular mail. Now that enough time has past due to their stalling, they have begun charging fees due to " insufficient funds. : '' I attempted five times using three different methods to close this account before any fees were applied. Now that fees have been applied, UMB is stating that the account can not be closed if it has a negative balance. It only has a negative balance due to their not closing it when I first asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA VIOLATIONS : PLEASE REMOVE ALL NAMES AND ADDRESSES THAT ARE NOT MINE, AS THEY ARE IN VIOLATION OF FCRA. Wrong Names : XXXX XXXX XXXX, XXXX XXXX XXXX. Wrong Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA VIOLATIONS PLEASE REMOVE XXXX, XXXX REPORTED : XXXX XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX XXXX XXXX XXXX  Reported : 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 explanation
Consumer complaint received 2023-10-01
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened this account and made some transfers from my other account to fund this one. The money has been sitting there. XXXX XXXX  has restricted my account since I opened it. They send a debit card that i can not activated nor used to get my funds. They are requesting that upload bank statements after my money has been sent to them. I have requested that they closed their account and return my money. It has been 30days. I am not able to talk to anyone over there. I emailed and chatted with like 10 of them. XXXX, XXXX, XXXX, XXXX. They all replied with the same thing, They will get the request processed. They have not released my money yet

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am filing this complaint due to the fact that I have been a victim of fraud and identity theft. I just discovered going on to my credit reports and really looking at what credit means, figuring out that someone had my information. On my credit report there is 2 hard inquires that I never authorized or had knowledge of. The 2 hard inquires are XXXX and XXXX XXXX. I knew that I never gave these creditors my information so I went ahead and disputed them off all 3 of my credit bureaus. Only one credit bureaus have been successful. Now that I have been struggling to get these off my report I contacted the original creditors stating the same thing and they validated that these were not mine and stated that they would contact all three bureaus stating these were identity theft, fraud, and to have them removed immediately. Now here I am still contacting the bureaus wondering as to why these inquires are still on there. I am filing this asking what TransUnion stated I needed after all these steps. I need a identity theft report sent to them and XXXX credit bureau about the XXXX XXXX inquiry. I need 2 identity theft reports. One for XXXX and one for Transunion. Please and thank you. I attached both credit reports.

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 2023-05-05
Company: Phoenix Financial Services LLC
State: FL
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:
Hello, my name is XXXX XXXX and I am a victim of identity theft. I recently started to take my credit score more seriously, before I would never check my score because I would never apply for loans, credit cards etc,.. I only had one college credit card. On XXXX XXXX I downloaded XXXX and saw a lot of collections and inquiries that were not mine and I dont have any relations with it. I called the police and an officer came to my home and I showed him all the fraud that occurred under my social security, the police officer provided me with a case report and informed me to call the credit bureaus. I called XXXX, XXXX and XXXX and put in a freeze on my accounts. The credit bureaus were able to dispute the fraud however, XXXX keeps verifying the account as accurate when its indeed not. The debt collection that is not being removed which occurred from fraud is phoenix financial service original creditor XXXX XXXX XXXX it was opened on XX/XX/2023 the amount owed is {$840.00} the account number XXXX. I have never heard of this company nor did I ever get in contact with them prior. My information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: A.R.M. Solutions, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called company in XX/XX/XXXX to tell them I did not need their service after the end of the year as the property was being sold. Sale was to be by the end of the year but was not finalized until XX/XX/XXXX. 

Made more calls in XXXX and XXXX and several in XXXX since the company kept sending me notices of payment for XXXX. Each time I told them I didnt need their service. They kept sending me a bill and started adding past due charges. 

New owner called them and asked them to remove the propane tank and they told him they would not remove it. 

I researched the company on XXXX XXXX XXXX  and filed a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: W&A Intermediate Co., LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefield and Associates is attempting to collect on a debt from me. They have the original creditor as " XXXX XXXX XXXX '' - which is someone that I have never done business with. This is actually a medical debt from XXXX XXXX services. The original amount was {$940.00}, and I settled the debt directly with XXXX for {$760.00} on XX/XX/23. 

Wakefield and Associates has placed this debt on my credit report for {$180.00}. They are reporting a medical debt less than {$500.00}, that has been settled, and they are reporting it under the wrong creditor name, instead of the original creditor name of XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and that I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate incorrect items within 30 days gives reason to immediately remove those items from my credit report. it has been over 60 days now so those incorrect items should be deleted immediately. I demand that these accounts be deleted instantly or I will file for litigation due to the stress you caused me. Also, my information was impacted by the XXXX  data breach and may have been stolen.

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 2021-02-07
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of XXXX, I closed a XXXX XXXXXXXX phone account, due to my XXXX XXXX change of station to the XXXX XXXX. In XXXX I noticed that a debt collector ( Jefferson Capital Systems ) reported the debt as new, and is still damaging my credit report for an account that should have aged off in XXXX. I've initiated several disputes, Transunion still lists the account as delingquent. XXXX  removed this account years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a dispute that my XXXX XXXX loans was paid in full with a XXXX balance and the bureau will not update it. I submitted my dispute XXXX and my report was unchanged as if XXXX. This is with Equifax. 
XXXX wouldnt even take my documents. Stating it wasnt clear. I dont understand, the verification came straight from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called my loan servicer Ocwen Mortgage on XX/XX/XXXX to let my Relationship Mgr ( XXXX XXXX ) know I was making a full mortgage payment via wire transfer at XXXX XXXX XXXX XXXX but, my normal relationship mgr was not available and had starting missing scheduled appointments, even on XX/XX/XXXX. The other Relationship Mgr ( RM ) told me not to wire the mortgage payment and to make the payment over the phone for free to avoid the wire fee but I told the RM that my father was already in the bank ready to wire the payment but the RM insisted on paying over the phone. This was a 3-way call with my father, the RM and myself. My mortgage payments were more than 60 days late but, less than 90 days as discussed with the RM. I had informed the RM that my new employment started on that coming Monday, XX/XX/XXXX, and that I would catch up on my mortgage payments. As my father started reading the bottom of his check, I interjected after he finished reading the routing number and told the RM not to include the check number, and the RM immediately and rudely said, " Ma'am Be Quiet ''! After, my father read the numbers on his bank account, the Ocwen RM told my father and I that the Bank Number went in correctly and emailed my Receipt of a full payment and also sent a receipt through the USPS mail. Then about 5 days later Ocwen sent a letter dated XX/XX/XXXX stating that " Your Payment was Returned Unpaid '' ; and that " The payment we received on XX/XX/XXXX for {$1600.00} was returned unpaid by the bank. '' I contacted XXXX XXXX XXXX XXXX and their Clearing House and they have no record of Ocwen even attempting to process a payment on or after XX/XX/XXXX. The XXXX XXXX XXXX associate told me, even if Ocwen Mortgage had included a check number with the account numbers for payment, XXXX XXXX XXXX would have still processed my mortgage payment. XXXX XXXX XXXX recently sent a letter dated XX/XX/XXXX, that XXXX is the new servicer for this account and collecting payments ; gave new XXXX loan account #. 

I have supporting documents to proof Ocwen Mortgage 's fraud. Even after Ocwen made me delinquent purposely on my mortgage, Ocwen refused to take my full mortgage payment. Since XXXX until presently, I continued to receive disingenuous information from Ocwen Mortgage about modifications, the loan process, trying to pressure me to sign new loan documents with a higher interest rate and/or a balloon payment, etc.

Company response to consumer: Closed with explanation
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: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED. WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED OFF MY CHALLENGE LETTERS XX/XX/2023

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 2022-10-26
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX Account XXXX Account Name : ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
hello, My name is XXXX XXXX I have a auto loan with TD Auto Finance for my XXXX jeep. It was repossessed XXXX of XXXX. I got it back 2 weeks later .I paid all fees .I am making every payment on time since. The bank put the title in their name when this happened and never put it back in mine in Pennsylvania. With that being said i can not get my jeep inspected or registered because the title is still in the banks name. I have called on a regular basis. I get the same run around .They tell me I'll get it the mail next week and it never comes. I need help .I need my jeep for work and everyday life. my account # with the back is XXXX.thank you kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have a closed XXXX XXXX account. It's reporting on transunion as late by 120 days. This same account is reporting as paid on time with the other two reporting agencies. I have disputed it many times. I also spoke to XXXX XXXX about it. I recently closed my most recent XXXX XXXX account because they never fixed it. The date that I'm reporting at late on is AFTER the date my account was actually closed

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
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 received my credit report in search of trying to improve my credit. After reviewing my report I notice a few inaccurate information and accounts I have never heard of that is being reported. According to the FCR15 USC 1681 ia, I read I have the right to a fair credit report and if they can not provide proof these accounts must be deleted. I also read I have a right to privacy as well as the following hospital bills that was sent to collections violated my HIPPA rights. The follow accounts has violated my rights by not reporting information accurate and/or I do not have knowledge of the creditor on my report. 
ACCOUNT NAME ACCOUNT # XXXX XXXXXXXX -XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX ( ORIGINAL CREDITOR : 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