BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : account not mine XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2023-08-21
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.

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 2022-07-08
Company: EQUIFAX, 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:
XXXX, account number XXXX. XXXX XXXX {$1900.00} Closed Unverified. 
XXXX, XXXX  Account number XXXX. XXXX XXXX {$4400.00} Closed Unverified. XXXX XXXX, Account number XXXX {$430.00} Closed Unverified.XXXX XXXXXXXX Account number XXXX {$370.00} Unverified U.S. Dept of Education Account number XXXX {$1700.00} Never attended that XXXXXXXX Unverified XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Unverified XXXX XXXX XXXX  Unverified XXXX XXXX XXXX Unverified In accordance with the fair credit Reporting act XXXXAccount # 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 section 2 : It also states a cunsumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Novad Management Consulting LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I believe I qualify for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The purpose of the fund is to give monetary mortgage relief to qualified applicants who were financially impacted by economic effects of XXXXXXXX XXXX Due to the XXXX XXXX XXXX XXXX XXXX XXXX I was unable to pay my property taxes for XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) paid those XXXX due in the amount of {$10000.00}. The servicer of my XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) claims the amount paid by XXXX is {$10000.00}, but their tax records are inaccurate & incomplete. The mortgage servicer at the time I applied for XXXX was NOVAD Management Consulting LLC. NOVAD sent me a Due and Payable Demand after my XXXX request for assistance. If my XXXX application was approved, funds to clear the debt would have been sent directly to the mortgage servicer, NOVAD. My application was cancelled because NOVAD refuses to participate in the federal mortgage relief program, thus denying me access to federal relief funds that would pay the debt to XXXX in full and remove my property from a Due and Payable status. XXXX was NOVAD 's employer at the time of application, thus denying XXXX a {$10000.00} repayment. NOVAD lost their federal contract to service XXXX assigned XXXX effective XX/XX/2022, due to their incompetence, fraud & extortion, which left my XXXX XXXX XXXX in shambles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Regional Management Corporation
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:
Regional Finance is in clear violation of this section of the law ( 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2022 ) without a copy of my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than 60 days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I C Systems is attempt to collect debit has not proven I owe debit. Have provide proof of debit. I am requesting to dispute the amount of debit and that I am responsible for debit. 
I have receive calls daily to collect debit with no proof. company will not send prove or show statement that i approved charges or services. amount listed on credit report is {$1800.00}. I requesting debit removed from my records and 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 explanation
Consumer complaint received 2018-04-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my XXXX XXXX, Equifax and XXXX   credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX XXXX OH XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: CO
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 submitted identity theft reports to all 3 credit reporting agencies on XX/XX/2023 with 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer per the law. 

When I spoke with the credit reporting agency representatives today I was told that the items are in dispute and the companies have 30 days to reply. I was also told by Equifax that due to some internal issue with my file that the process had not started yet. The law makes no consensus for this. In fact, I have requested the update of my personal information before with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today XX/XX/2022, I spoke with XXXX XXXX with XXXX law collection agency. She stated that they were a collection agency and that any information obtained will be used to collect debt. 
She asked For my information and stated that I owe a debt to Their client alteon health. 
I informed her that Ive never had any business with XXXX XXXX or XXXX law and also that i have state covered medical insurance through caresource and all of my medical bills are covered. I never gave anyone my written permission to furnish anything on my credit report. She refused to listen to my rights i am entitled to and also laws. She has also refused to remove this inaccurate unauthorized account from my credit report XXXX health has stole my identity and sold it to XXXX law collection agency as the representative stated XXXX XXXX is their client. 

I have disputed this debt with alteon which was supposed to be resolved and ceased but instead they sold this debt to third party people. 

According to ; 15 USC 6802. States- NO financial institution is supposed to share my information to third party people.

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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Also, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B A debt collector Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. 

not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And 15 U.S.C 1692c States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/ I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Today XX/XX/2022 I received a call from my dad about a Capital One credit card being opened in my name. There is over {$2000.00} of charges so I've been told. I've been out of the country for a couple of months and I'm now trying to resolve this issue before I return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Bread Financial Holdings, 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:
In the past couple of months, someone opened 7 accounts under my name using my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have never done business with these companies. I believe these errors.

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 2022-12-05
Company: Experian Information Solutions 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:
I tried sent letters starting XX/XX/21 regarding collection accounts that were put on my account. I have no record of such collection nor I was in the hospital or doc in the past year. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I also have disputed several inquiries that I did not authorize and the bureau are still reporting.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 explanation
Consumer complaint received 2018-10-08
Company: MONEY SOURCE, INC., THE
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XX/XX/XXXXI applied for a mortgage refinance as required by my divorce decree through " XXXX XXXX '' since they had brokered the current mortgage with The Money Source.  The process made it through collateral approval. I was then suddenly denied with no explanation. On or about XX/XX/2018 I applied for a mortgage modification, and was ultimately granted a SPECIAL forbearance. During the time of my special forbearance they canceled my forbearance because my ex wife didn't sign a document that I was promised she didn't have to sign in the first place. I was originally told I was the only who had to sign and was sent the according documents with a signature line for my ex wife. I was told only I needed to sign return the forbearance with her signature line, I insisted they send me the Special Forbearance agreement without her name and they suddenly terminated the special forbearance and sent the mortgage to foreclosure. I complied with everything up to the point they sent it to foreclosure. I contacted the trustee and paid to reinstate the mortgage. I contacted The Money Source and made arrangements to pay the back taxes and start paying regular payments again starting in XX/XX/XXXX, I sent the back taxes via XXXX and began making payments as agreed, then they returned the cashiers check I sent for the taxes as instructed with no explanation. Next I received a notice my XX/XX/XXXX payment mailed with plenty of time was not accepted and offering me " borrower assistance '' It turned out they were still trying to make me pay taxes and insurance in my payment and had held crediting my XX/XX/XXXX payment without notifying me. I called and again got this " no impound account situation '' corrected and was told by XXXX to make my original payment. But now it appears The Money Source held my XX/XX/XXXX payment and posted it XX/XX/2018 compromising me again-this payment was a cashiers check drafted XX/XX/2018 and sent with the first week of XX/XX/2018 USPS. Additionally, early during the many mortgage modification/special forbearance phone calls with The Money Source, I was told I would be granted a SPECIAL refinance to solve this issue, after I was promised this refinance they shortly after denied me for unknown reasons. After that had happened " The Money Source '' then told me just send in your divorce decree and we will take your wife off and restore her credit. I provided the documents and this was also reneged upon. This is still an on going issue and is a true burden on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter in the mail from Penn Credit On XX/XX/XXXX for a delinquen/ fraudulent utility account in amount of {$470.00} that was opened without my consent by XXXX XXXX XXXX I explained to the representative that the information that they had on file was incorrect and that I had never lived at that address that the utility company had provided them nor had I ever done business with XXXX XXXX. At that moment I realized that I had become a victim of identity theft. I was provided with XXXX XXXX contact information and was advised to report the discrepancy to them. I was also advised by Penn to file a police and identity theft report. The collections representative that I spoke to also provided additional accounts and addresses that appeared on their system as delinquent. These additional accounts which I have yet to receive a collection letter from Penn-Credit appeared to be linked to my name and social security number. I contacted XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX to report these accounts as fraudulent. An agent by the name of XXXX assisted ( {$470.00} ) me with one of the fraudulent accounts and another agent by the name of XXXX opened a total of 6 fraudulent disputes ( {$280.00} ; {$280.00} ; {$310.00} ; {$470.00} ; {$470.00} ; {$400.00} ) for me. XXXX provided a confirmation number ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) for each one of the accounts that she reported as fraudulent. I requested for an investigation to be completed and for these negative items to be removed from the collection agency records ( Penn Credit ) and their own records. Both entities have be notified that I am a victim of identity- theft and that the information that they have on file does not relate to any transactions I have made. The addresses that they also have associated with these accounts are not addresses that I reside at. I did not give anyone authorization or consent to use my personal information therefore the utility company should have never established these fraudulent accounts. I was told by XXXX XXXX that they would Investigating these fraudulent accounts in addition to getting them removed from the collection agency. I was also told by XXXX that someone from their company would be contacting me within 14 days and I have yet to hear back on the XXXX accounts that XXXX reported. I have been actively monitoring my credit report since XX/XX/XXXX. All three credit reporting agencies ( XXXX, XXXX, and XXXX ) were notified that my identity was stolen. I have filed several disputes to correct and remove - names, addresses and collection debt items from my credit report that do not belong to me. I requested a freeze to be placed on my credit reports and fraud alerts have been placed as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX. 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