BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$860.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-01-30
Company: EQUIFAX, INC.
State: NY
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 allege account was disputed with allege original creditor XXXX XXXX and Equifax and they both failed to show how this allege debt was validated. I sent letter disputing this allege account requesting all documents and contracts XXXX has on file giving them authorization to report this account to my Equifax credit profile and no documentation was provided. I never received a response AT ALL. It is my rights under the fair debt collection practice act title 15 usc 1692 ( g ) to verify and make sure all item reporting to my credit profile are reported accurately and in fairness. XXXX XXXX and Equifax have both failed to validate this allege debt and I demand this account to be deleted from my EQUIFAX credit profile. A copy of this dispute will be forwarded to XXXX, IRS, and the US ATTORNEY GENERAL office for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX of XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. Please remove this thanks

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 2023-04-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Residences at XXXX sent me an eviction notice XX/XX/2022 with a vacate date of XX/XX/2022. 

In XX/XX/2022 I paid the company through EFT ( bank statement attached ), the pro rated portion of the rent owed through XX/XX/2022 accounting for the {$500.00} security deposit that was withheld post eviction, totaling {$1400.00}. 

Per the notice attached I owed, {$1400.00}. 

Bottom line, I don't owe anything other than {$36.00}

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 2023-01-27
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
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:
Credit Acceptance continue to report inadequate information on my report, The car was a lemon only drove the car for two day and the engine locked up at XXXX XXXX  i was having new tires placed on it. I had a warranty and they refuse to repair the car. they wanted me to pay out of pocket for XXXX shop broke down the engine and tell them why the engine transmission locked up. XXXX told me that would cost more than the car is worth to do that. i gave them the car back in may they picked it up from XXXX XXXX were i had it tow to. The dispute department XXXX called me and tell that there was nothing they could do and she also Statement if this will make me feel better they have stop using XXXX XXXX. this the place i bought the car from 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 CAPITAL ONE Account Number : XX/XX/XXXXDelete this account.

there is some inaccurate information reporting.

FNCC Account Number : XX/XX/XXXXDelete this account.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT ALLY FINCL Account Number : XX/XX/XXXXDelete this account.

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

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 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 2022-01-11
Company: MoneyLion Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello I had a checking account on moneylion application and everything was fine. 

On XX/XX/XXXX, I noticed that I can't log into my account so I tried to call them ( I waited about two hours to get live person ) they told me on XX/XX/2021 someone called and claimed that he is XXXX XXXX and My account is opened by using fake identity ( I mean identity theft ) but I explained to them that I was in the middle of an auction and I was about to win it so a person tried to close all of my accounts including my Moneylion account. 
As other financial institutions had local branch I visited them in person and solved the issue. 
But for Moneylion I called them 7-8 times and finally they told me I have to send supporting docs to XXXX so I did it But unfortunately, they are not answering me anymore. 

But what was those supporting documents? 
They told me I have to send supporting docs to prove I'm the real XXXX XXXX They told me as I shared my account with my girlfriend XXXX XXXX I have to proof she is my girlfriend Now I have XXXX in my account and they don't want to reopen my account and also they don't agree to reopen my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I began paying back my loans at XXXX a month from XX/XX/XXXX to XX/XX/XXXX and in XXXX they said my loan payment changed to XXXX dollars ... which it should have been the whole time but a " mess up '' happened. So as a struggling XXXX I paid more than I had to and they made me begin paying back loans not even a month after graduation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
The response from USAA is not an accurate description of what took place. I have documentation from XXXX XXXX XXXX XXXX  showing otherwise facts in this matter. I am not at all satisfied with the reply as it is not accurate. I have called and left 5-6 VM for XXXX the Advocacy Adviser since receiving her letter last week and she has yet to return my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, 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:
XXXX equifax XXXX are reporting fraudulent accounts that you did not open.. these account dont belong to me i have called the company and the credit bureau about this and i told iam responsible for these accounts. I have not gave anyone permission to use my name of info to apply for credit. 

XXXX XXXX  opened date XX/XX/2020 XXXX XXXX opened date XX/XX/2020 XXXX XXXX opened date XXXX XXXX XXXX XXXX opened date XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX is reporting XXXX XXXX bring late 12 times which 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 2019-02-26
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A collection that does not belong to me appeared on my equifax report. This has happened in the past and I would submit a dispute, Problem would be solved. 
However this time, I attempt to submit a dispute and I continue to receive a message stating my information does not match and they are unable to process my request and to try again later. 
I have never had an issue before submitting a dispute and none of my identity verification information has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe XXXX  standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.

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 2023-07-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
At the midnight of XX/XX/2023. My two accounts, both Chase and XXXX initiated XXXX payments of {$2000.00} and {$1500.00} respectively to a person named XXXX XXXX. I did not authorize this transaction and I asked the bank to reverse both transactions for me. Chase told me they conducted research and found the transaction was valid and therefore refused my claim. I do not agree with the conclusion and I want to fight for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX **** Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX Bankruptcy XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with AmeriHome Mortgage which was paid off on XX/XX/2019. My loan number was XXXX. We were told at closing that the escrow account balance would be mailed to us in 30 days. As of this date, we still have not received it. 

I called AmeriHome customer service in XXXX and was told their policy is the company will wait 30 days after closing to process the payment. As our loan was closed on XX/XX/2019, the check would be mailed the end of XXXX. I have called numerous times in XX/XX/2019 inquiring where the check was as we had not received it. I was told it was cut on XX/XX/XXXX. But they offered to stop payment and reissue but it would probably take another 30 days before we receive it. 

In talking with XXXX ( would not provide last name ) a customer service representative on XX/XX/2019, she told me that AmeriHome cuts checks but does not mail them out for a week in order to allow approval. I asked her to stop payment and reissue and expedite it. She said she could not expedite.. I asked to speak to a supervisor. XXXX ( XXXX ID # ) came on the line and told me he can stop payment which will take 5-7 business days, Then they would request a replacement check which would take time with the check needing to go through another 5 business day period for approval and then he could request that the check be overnighted but he could not guarantee they ( another dept within AmeriHome ) would approve it. I said I would pay for it but he said no that should not be necessary. 

I explained to XXXX that I was going on vacation out of the country and was counting on the money for my vacation. I am leaving XX/XX/XXXX ( early XXXX ) for 15 days. I told XXXX I really need that check before that. 

I apologize for the long story, but given my situation I wonder if the first check was ever mailed. It should not take 30 days to get money sent back to a homeowner. In fact, it should be given back at closing. I wonder if this process is structured such that AmeriHome can keep prior borrowers money until we scream so they can invest it during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: FIRST NATIONAL BANK OF OMAHA
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:
I have been a victim of identity theft and a fraudulent accounts appears on my credit files. I have reported this account tot all necessary authorities and XXXX and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.

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