BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX Account Number : XXXX {$48.00} balance - open date XX/XX/XXXX Grain Technology Account Number : XXXX {$300.00} balance- open XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$1000.00} balance Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$1200.00} balance Open date XX/XX/XXXX AFFIRM XXXX account number XXXX balance {$540.00} open date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX 336 Dayton, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX Employ 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 2023-04-20
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: Information belongs to someone else

Complaint:
This account : XXXX # XXXX which is open on my file since XXXX and causing me a lot of trouble on my daily basis. Is reporting information on my credit report that does not belong to me. Ive already tried multiple times to submit a complaint about this identify theft on this account that does not belong to me. It belongs to a person called : XXXX, XXXX XXXX. Who was born on XX/XX/XXXX. Which is completely not my person. Today I received a called from a collection agent trying to collect this debt while I was at work and while trying to confirm my identity she provided me with the information above. 

Also I have reasons to believe someone else was trying to apply for credit on my behalf since I do have inquiries that I do not recognize. I will have them listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached I include a copy of my identity theft report and a copy of my driver 's license for you to confirm my name and birth date. 

Please delete this account and inquiries 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 2023-10-20
Company: Experian Information Solutions Inc.
State: WI
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.! 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 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 response to consumer: In progress
Consumer complaint received 2023-07-17
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I attempted to access my CashApp account and was unable to. I used my phone number for the account, it sent me a code and then as a security step it asked for my debit card details. Although the debit card attached to my account was expired, I inputted the details as requested however as it was expired, the app would not accept the expiry date. I contacted customer services who attempted to link the old account with a new account but was told that were unable to grant me access to the funds in my old account for security reasons. They said to protect my current account, ( which is the new account that was set up to recover my old account ) they can not override the decision. Essentially locking me out of my funds in my old account and offering no alternative way of verifying my account. They said no further action can be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TYPES OF FRAUDULENT TRANSACTIONS. 
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 response to consumer: In progress
Consumer complaint received 2023-04-20
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. Please remove these accounts immediately.

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 2022-02-02
Company: ProCollect, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PROCOLLECT INC KEEPS SENDING ME NOTICES ABOUT SOME COLLECTION ACCOUNT. A PREVIOUS COLLECTION ACCOUNT WITH THEM HAS BEEN SETTLED AND PAID. IN RESPONSE TO THE NOTICES I AM GETTING, I MAILED A FORMAL DEBT VALIDATION REQUEST TO PROCOLLECT OVER 60 DAYS AGO WITH NO RESPONSE. I AM REQUESTING AN ITEMIZATION OF THE COLLECTION ACCOUNT IN WHICH THEY SAY I OWE. PLEASE MAIL ME ALL DOCUMENTS OR DELETE THE ACCOUNT FROM MY CREDIT REPORTING ASAP. I HAVE ATTACHED A COPY OF THE DEBT VALIDATION REQUEST I MAILED. THANK YOU.

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 2020-08-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had a difficult time keeping up with the mortgage, and have been late on payments for a year now ( starting at the end of XXXX when the homeowner lost their job ; but not because of covid-19 ).  We are almost always a month behind. 

BAYVIEW LOAN SERVICING LLC ( XXXX XXXX, Florida ) " took over '' the mortgage ( XX/XX/XXXX ) when XXXX XXXX finally gave up ( after 18 years! ) - apparently, XXXX could not tolerate our being behind one or two months at a time. We have never been able to get a hold of Bayview on the phone : wait times are more than an hour. I am sure they have a good excuse for that : they don't answer any written complaints either. 

Now they are " withholding '' the XX/XX/XXXX mortgage payment - they refuse to deposit the check, which they received on or around XX/XX/XXXX, in the same envelope with the separate check for the late fee ( which they successfully deposited on XX/XX/XXXX ). 

TEN DAYS AFTER THEY RECEIVED THE MORTGAGE PAYMENT FOR XXXX ( " Monthly Payment Due XX/XX/XXXX '' ) - that would be yesterday ( XX/XX/XXXX ), we got the " ugly '' letter from them ( sent by certified mail, no less ), copy attached. 

For clarification, our monthly mortgage payment is ( and has always been, ever since XXXX XXXX said goodbye ) {$880.00}. The late payment fee is ( and has always been ) {$23.00}, which we always write as a separate check because Bayview seems to have a XXXX of a time figuring out the two separate amounts if you combine them into one check. They also struggle with the amounts for Escrow and Insurance, both of which can change from year to year ; we know that our property taxes went up last year. I, a simple, lowly customer, can figure out the amounts after a bit of time and research, but I am not inclined to do their work for them. 

Additionally, Bayview has been trying to get us to pay " just a few extra bucks '' for an unspecified fee - it seems to vary from month to month and again, I am not inclined to do their work from them. They have yet to explain UP FRONT and CLEARLY what that " extra '' XXXX or XXXX bucks is for. We were told by XXXX XXXX that we would not be charged anything for them kicking us down to a second-class " mortgage servicer ''. 

I realize how insignificant my mortgage troubles may look in the big picture : however, I also believe that shady players like Bayview need constant reminders that I am not an easy target, and I will not quietly tolerate their less-than-subtle intimidation tactics. I fully expect they have a few more cards up their sleeves - all perfectly sanctioned by existing regulations, of course - and that the first chance they get, they will be playing more tricks. Who knows how easy it is to push senior citizens over the edge into foreclosure, which is even more profitable than " servicing mortgages ''! 

XXXX XXXX XXXX XXXX XXXX Loan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: MO
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 urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

Company response to consumer: In progress
Consumer complaint received 2023-11-20
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: In progress
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM REPORTING INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-09-28
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: Information belongs to someone else

Complaint:
I AM REPORTING INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for XXXX months now. TRANSUNION has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer 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 2023-11-14
Company: Experian Information Solutions Inc.
State: MD
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 
XXXX XXXX  The above accounts have violated my rights according to 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 an 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.

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 2022-08-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I ut a disput in to Wells Fargo equal around to XXXX but it not was two separate charges the im question is XXXX the bank issued a temporary credit then 120 day later they did a credit reversal so now im negative XXXX this was a charge from a company called XXXX XXXX XXXX  they got shut down by the Ftc service werent not rendered but bank is saying they couldnt collect on the he money when the ftc clearly said the asset are frozen for refund the consumer sowhy didnt well fargo contact the ftc to get the money back i give them the agreement that service wont render and because they revsered the charge isnt right

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 2018-04-23
Company: Harley Davidson Financial Services 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: Account status incorrect

Complaint:
I filed a Chapter XXXX bk on XX/XX/2017 on Harley Davidson Financial. I contacted this company and filed several disputes in the past with no satisfaction. They are still reporting me on the credit bureau as the account as open, which is incorrect- ( Following comments in taken from XXXX credit report via XXXX XXXX ) -- -- -.Current Payment Status On Payment Plan Worst Payment Status No Info Account Details Account status Open Since this account is included in a confirmed Chapter XXXX-I want these connotations removed by Harley Davidson

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX The account referenced above is completely inaccurate. There are multiple violations when you look at the payment history. How can you report two 30-day late payments and then a 90-day and then charge-off? That makes no sense. The malfeasance of these reporting agencies has become unchecked and they feel as though they can do whatever they want and think that they'll get away with it. Please do your best to rectify these mistakes or I will take legal action against these reporting agencies and sue them to no end. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

Company response to consumer: In progress