BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have contacted XXXX and TransUnion to remove fraudulent items off my credit, I provided them with an identity theft report but they still have not removed said items. The accounts in question are as follows : XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$0.00}, XXXX BANK- XXXX {$900.00}, XXXX XXXX XXXX BANK - XXXX {$340.00} These accounts have been removed from XXXX, but I need them removed from TransUnion and XXXX. 


I am attaching an FTC report and I dispute that I sent all three credit bureaus a few months ago

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 
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

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 2019-05-06
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is currently 4 months past due. I have spoken with multiple representatives in order to explain my situation and my attempt to catch it up. 
On XX/XX/2019, I called in to U.S Bank home Mortgage in an attempt to begin resolving the situation and attempted to make a payment for a month which technically would have brought me down to 3 months. I also informed them that the next payment would be at the end of the day on the 14th which would have brought me behind to two months. 
The representative I spoke with at that time stated that they could not accept my payment. I requested an explanation and he replied that they needed 2 payments at one time in order to accept the payment. I again explained that i had one payment and would make the other on the 14th. The representative again declined to accept my payment but stated that I would likely have until the 14th to make both payments as my account had not been prepped for foreclosure and would not actually go into foreclosure until month 6. I am NOT in month 6 He reported that he would send me a mortgage assistance application to complete and that would stop any further proceedings. 
On XX/XX/2019, another representative called me and I attempted again to make a payment which would have brought me down to 3 months, she refused to accept the payment stating that I needed 2 payments at one time. I again explained I would not be able to do that until the 14th. She stated that it takes 48 to 72 hours to send an assistance application and to send it back on Monday. 
Today which is MondayXX/XX/XXXX, I called in to receive password because I received encrypted mortgage assistance application. The representative informed me of my passed due balance and further told me that they referred my house for foreclosure on today and that if I didn't have a total of 2 months payment today, I would lose my home. She further stated that there was no need for me to complete the mortgage assistance application because it would not due any good a this point and unless I pay the entire amount that's past due, I would lose my home. 
The issue is one, I was told different information by the representatives and more importantly, by the mortgage company REFUSING to accept my payment, it pushed me into the foreclosure process. 
Additionally, I was told by a representative a week or so prior, that I can call in a payment and then they would be able to work with me to bring the account current. 
Again, in order to bring my balance down, I need to be able to make a payment yet the mortgage company declined to accept my payment forcing to possibly lose my home.

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 2023-05-24
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: Information belongs to someone else

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed : XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/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 2022-01-21
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a complaint on here the cfpb site to Equifax. This was to simply state that they failed to conduct in investigation about a dispute I mailed certified in XXXX. I still have not received a response. I just got a response on here that did not address my issue at all. It's like they didn't take the time to read it. I will not be played with like this. It is wrong and no entity is above the law. My consumer right continue to be violated and this is not going to fly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fair Collections & Outsourcing This company blatantly disregarded valid disputes that I submitted to their company. They only care about getting paid and not researching the inaccuracies I pointed out. I was treated rudely and this company does not care about the victims they collect upon in any capacity. 

This company is collecting on a Apartment Lease that I have pointed out several flaws in the original contract and sent them a letter requesting that they investigate on XX/XX/2021, till this date I have yet to see any response and I even called them and they confirmed that they received the letter. Yet I still can not get approved for my mortgage without their company falsely pursuiting a debt that should not have been owed in the first place. They took my Security Deposit away from me under false pretense that I broke the lease. I followed the contract requirements for the complex to its entirety and then they default my security deposit and charge me additionally? If this collection company did any research they would see I am a victim here.

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 2022-02-09
Company: Fidelity National Information Services, Inc. (FNIS)
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: Personal information incorrect

Complaint:
I received a letter dated XX/XX/2022 from ChexSystems. There are several names, addresses, an email, and telephone number associated with the Consumer Id # XXXX. XXXX XXXX & XXXX XXXX XXXX have alleged debts associated with my Consumer Id. 

What name is associated with these accounts? 
What address is associated with these accounts? 
What Social Security Number is associated with these accounts? 
How was this information verified to be accurate?

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 2023-07-20
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2022-09-05
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Glasser and Glasser have a pending garnishment in the amount of {$8800.00} for XX/XX/2022. These funds are from a long term disability backpay recently awarded. I have called twice and told there nothing they can do and I just have to wait until XX/XX/2022. I also sent an email on XX/XX/2022 which has not been acknowledged or replied to. 

In summary Glasser and Glasser have put a hold on my checking account in the amount of {$8800.00}. These are my long term disability benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A check in the amount of {$5100.00} was deposited to Citibank account ending in XXXX which is now closed, in XXXX of XXXX, issued to myself from XXXX XXXX Mediation Program Administrator.. The item was intercepted by a cousin with similar name, XXXX XXXX, signature forged, deposited via mail I believe. The cousin does not use a middle initial, my middle initial is XXXX for XXXX. Further, this account was opened fraudulently using my social security number by him, he is unable to open deposit accounts due to credit issues. He intercepted check after I moved from address which was in XXXX of XXXX, check was sent in XXXX via XXXX, intercepted by him. I moved to XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XX/XX/XXXX. Check was sent to prior address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XX/XX/XXXX. I became aware of this in XXXX of XXXX, alerted XXXX XXXX of non-receipt of payment, an affidavit was sent to me in XX/XX/XXXX to investigate. The investigation closed, supposedly resolved, Citibank claims account opened in my name, unaware of fraud including opening of account and interception of check ... .This information from Citibank was provided to me by XXXX XXXX XXXX my claim rep with XXXX XXXX . This payment represents compensation for unauthorized accounts opened by XXXX XXXX reps in addition to current account, the premise for bill pay when only XXXX account is needed for such service. I request Citibank release funds from account, send them back to XXXX XXXX in order for them to pay me for this item.

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 2023-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request to Block and Delete Fraudulent Account Due to Identity Theft Under 15 USC 1681c-2 ( a ) Dear Sir/Madam, I am writing to bring a serious issue to your attention concerning my consumer credit report. I recently obtained a copy of my credit report and discovered an unauthorized account listed under the name " XXXX XXXX '' with Account Number ending in XXXX, Reported Date Opened as XX/XX/2023, and a Reported Balance of {$340.00}. I have no knowledge of this account, and I did not authorize anyone to open it in my name. 
I have attached a copy of the Identity Theft Report to provide proof of the unauthorized activity. It is your legal obligation to immediately block this fraudulent information from my credit report, given that I have provided the required documentation, and to notify the furnisher of this information about the block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a company on my consumer report that is not mine. I sent a letter to the company and they refused to respond. I am demanding verification and validation of this alleged debt. Please take notice this is my notice that I dispute such debt. 

This is a violation of my rights as a federally protected consumer. 


PLEASE REMOVE AND CEASE COLLECTION ATTEMPTS IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
PLEASE ADD THIS COMPLAINT TO ORIGINAL : XXXX AS TRANSUNION COULD NOT FIT. My credit score dipped XXXX points in XXXX. I now see remarks on all my files from XXXX just because I disputed and they filed in their favor. I will soon be buying a new home and my score is in the XXXX! I was in the XXXX 2 months ago. This is unacceptable. I have proof now that your forbearance plan shows NO DATA when I was paying mortgage in FULL after XX/XX/2020. I made a payment in XX/XX/2020, but since you set me up on the COVID plan. They forced the dates in XXXX. I also started paying right away and told XXXX that I no longer wanted the plan, but they did not stop this plan until XX/XX/2020 without my consent hence my unapplied payments I kept making and they having to manually enter them, but I paid my mortgage in FULL every single month I have had this loan. Like I stated before, the only months that were deferred were XXXX & XX/XX/2020. I just paid this loan off and I have paid back the {$1500.00} in FULL, but now having FORBEARANCE on my account is also going to hurt my credit. I have all my statements to prove this. So why are all credit reports showing NO DATA for all the months up to XX/XX/2020? Because XXXX did not report me correctly. This should show PAID as HUD paid those XXXX months for me and I want these remarks removed from my credit reports and especially my sister XXXX XXXX as she was not even living in the home anymore.

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 2023-01-21
Company: EQUIFAX, INC.
State: AR
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I am disputing the Account XXXX XXXX Balance Owed : {$34000.00}. I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX after requesting my statements, I filed a XXXX claims at Bank of America EDD prepaid cardholder services for unauthorized transactions. It is now XX/XX/XXXX and my provisional credit has not been deposited for my use during the remainder of the investigation period.

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 monetary relief
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: MI
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:
EQUIFAX, XXXX and XXXX are reporting XXXX XXXX  incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX. failed to provide proof that their account in the amount of {$240.00} belongs to me. While in the process of validation the account was sold to XXXX XXXX XXXX on XX/XX/XXXX. This account was disputed and XXXX ceased contact with immediately. On XX/XX/XXXX this account was sold again, this time to Cooling and Winter LLC, ( Again this account is currently in dispute. ) Both debt collectors are reported different account numbers. 
XXXX  XXXX XXXX XXXX. is currently reporting this account to all XXXX major bureaus as closed/charge-off and updated as of XX/XX/XXXX. XXXX  XXXX XXXX XXXX. continues to update their account to my credit files even after I have provided proof that they are not Holders in Due Course and the account has been sold multiple times. I will not keep disputing this account. I have proof that XXXX  XXXX XXXX XXXX. NEVER validated this account and XXXX  XXXX XXXX XXXX is not following the FDCPA. 

Cooling and Winter LLC are debt collectors attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I would like to know who gave Cooling and Winter LLC my personal information. I did not agree to any contracts with Cooling and Winter LLC to pay this company anything. I did not authorize Cooling and Winter LLC or XXXX XXXX XXXX XXXX, permissible purpose to use my personal information. 
Recently I priority mailed XXXX  XXXX XXXX XXXX, and Cooling and Winter LLC letters and each company is well aware of what will be the outcome will be if they continue to harass me.

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