BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-11-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I've already disputed these items with bureaus 7 months ago, more than 3 times, and they have agreed to delete this incorrect information, and it still has not been removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Maximus Education, LLC dba Aidvantage
State: LA
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 have duplicate account showing with different account numbers but its the same account. It should be only one account with one reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: Public record information inaccurate

Complaint:
Consumer Financial Protection Bureau XX/XX/XXXX Re : Removal of Incorrect Items from Credit Report ( XXXX, Equifax, XXXX ) ( More than 30 days have passed ) To Whom It May Concern : On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), I've sent requests to investigate incorrect items which were listed in my credit history reports with XXXX, Equifax, XXXX. 

1. The information is inaccurate please remove it. 
BankruptcyXXXX Case Number : XXXX Please remove it from my credit report. 


I've also informed/stated that The Fair Credit Reporting Act requires that a reinvestigation of my request within 30 days. It has now been more than 30 days and no removal/response received to date. 

I'm not sure as to why I have not received a reply. It's possibly due to inability to accurately verify the information. I would greatly appreciate your assisting me with removal of this incorrect information. I also request once the matter is corrected, I'm sent an updated copy of my credit history report. I also request notices of corrections to be sent to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 

Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Disputed all three bureaus in the last three months and creditors did not correct. 
Loan default and anything that has a negative impact that resulted from the default is not allowed to be reported for loans in fresh start program. The Doe now has the loan and has corrected their history. This loan was in default with this lender since XXXX.this issue cost us 3 months of not being able to replace our dead car. I will be filing through her or small claims to be made wbole by fedloab and the bureau

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 2023-02-27
Company: Spring Oaks Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX/XXXX/2023 Spring Oaks Capital , LLC contacted a family member without my consent and told them the amount of my debit, who the debt was originally with, and gave an offer to pay off with a link. This is a violation of my privacy. 

The message was as followed This message is from Spring Oaks Capital , LLC. 

Your XXXX XXXXXXXX account originated by XXXX XXXX is now owned by Spring Oaks Capital SPV , LLC. We are willing to accept {$300.00} to resolve your account for less than the full balance. 

We request that you review and take advantage of this offer by 2023XXXX. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 

See the offer at XXXX. If you have any questions, reply to this text or contact one of our representatives at XXXX. We have agents ready to respond during normal business hours. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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: Their investigation did not fix an error on your report

Complaint:
In XXXX I opened a XXXX credit card. And XXXX i defaulted on that credit card. The three major credit bureaus conveniently do not show any historical data from XXXX or XXXX. This account should have been removed from my credit report already. I have repeatedly asked for that information and no investigation has happened.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Account : XXXX XXXX Account # XXXX Is currently reporting late on my credit report starting from the month XX/XX/2023 to XX/XX/2023 which is INACCURATE. an I request that the late payments be IMMEDIATELY Removed an updated

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 2023-03-06
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification due to a loss of income last year in which credit cards had to be used to get by. Since returning to work my family is in severe credit card debt and are having a hard time making ends meet. I submitted a loan modification with the documents on the portal several times. I called last week and was told my application was held due to child support court order which was uploaded 2 weeks prior. I spoke with a representative who confirmed the documents were received and would send to the person claiming to be working on my account. I then get a letter stating my request has been closed for missing documentation. I am very upset at this bank is terrible at customer service-always wants to verify conversations and phone numbers but has a hard time calling back for issues such as this. My family is barely getting by and this bank doesnt seem to care. All documents were sent on their portal

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 2022-10-20
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am opening a bank account in wells fargo and I am sent to this company I need my bank account

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 2023-12-30
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: Their investigation did not fix an error on your report

Complaint:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$4700.00}.

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 non-monetary relief
Consumer complaint received 2023-02-17
Company: Halsted Financial Services, LLC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 and section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Please take bankruptcy off my credit report immediately. 

At this point of my life I was not behind on any payment and my credit was fair. My credit card debt was under {$650.00} and my car note loan was under {$5000.00}. My mortgage debt is {$160000.00} and my payment was on time. the only I was getting information on how to removed fraudulent activity because someone did identify a thief in my name and brought some vacation home package. ( XXXX XXXX XXXX, XXXX. When I asked what information was on file the company couldn't release that type of information. 

I FILE PAPERWORK FOR A PROBATE CASE IN A DIFFERENT LOCATION. My personal information like identification numberc, ard and ssn number and address was uploaded to the court files by a clerk on accident. THE only think im quilty of is askinfg the clerk peaper work on how to clearv my name. i didnt konw the bankrupty will be process cause i didn't pay for any or owe c also hand a probate case going and the court clerk upload my California driving license, socail security nunber, address and all my person business to the internet on accident for anybody can see it. 




XXXX XXXX XXXX, XXXX. IS Fraud. I didn't do this at all PLEASE REMOVED THE BANK

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 2022-11-17
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:
I have contacted ; XXXX XXXX XXXX- ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Mississippi, they are reporting a debt that I have not agreed to enter by contract or written consent, and they are reporting this information to the bureaus, it is hurting me greatly. 

There is no privity and no signed contract or agreement between me ; 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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The following personal information is incorrect Account Number : NAME : 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 2020-03-24
Company: Synovus Bank
State: UT
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:
First Progress is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Credit Karma, LLC
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On numerous occasions I was pre Approved for a credit card & then denied once I ran the application. The app with misleading information was credit karma. It is still offering loans and cards pre approved but they are not that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
That account does not belongs to me

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 2023-03-08
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Violations of laws and consumer protection rights, lender fiduciary responsibilities, and bad business practices. Caliber Home Loan Company ( XXXX, XXXX ) has been dismissiveness and unresponsive to my request to cancel my escrow account and return all funds to me. 

On XX/XX/XXXX, I sent an " Escrow Removal Authorization Form '' to Caliber Home Loans to have my escrow removed. I meet all the requirements to have my escrow removed ( Conventional loan, XXXXXXXX XXXX  equity, and loan documentation allowing removal of escrow upon request ). I received a letter back from Caliber dated XX/XX/XXXX, stating that, " Investor requirements or loan type do not allow escrow removal for your loan. '' I contacted Caliber 's escrow customer service on XX/XX/XXXX and spoke XXXX XXXX and requested written evidence and proof of this claim by Caliber. XXXX XXXX was going to escalate my request. On XX/XX/XXXX, I sent a message to Caliber inquiring about the escalation. I received a boiler plate response back and that leadership was reviewing my request. On XX/XX/XXXX, I sent another communication inquiring about my request and receive the same boiler plate response. On XX/XX/XXXX, I called Escrow Customer Service and spoke with XXXX and went over my request with her. XXXX agreed that my escrow should be removed and saw no reason for it not to be removed. While she was attempting to get a manager to address my request, we got " disconnected ''. I called back and spoke with XXXX. He just speculated on my question and was all over the place but didn't have any factual information or knowledge. He said he would escalate my request ( again ). I followed up with a written communication to them. The response I received back indicated that XXXX had addressed all my concerns. 

Caliber continues to collect and hold my escrow for their financial gain and will not respond to my request for proof and documentation to support their claim that my escrow is not allowed to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to withdraw {$7000.00} cash on XX/XX/2023 and deposit It to different financial institution to pay credit card bill I was told we have only {$3000.00} cash on hand and we will get drop on Friday XX/XX/2023 to already made payment to XXXX XXXX XXXX for {$5000.00} and {$1700.00} to XXXX XXXX and was planing to withdraw another {$5000.00} to deposit to XXXX to reduce my debt ratio now I dont know what to do I have {$89000.00} in US bank and can not withdraw {$10000.00} that wasnt intent before month end please let me know what to do this never happened with others bank the teller name was XXXX at US Bank in La XXXX XXXX in XXXX Ca XXXX XXXX I only withdrew {$3000.00}.

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