BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted Identity Theft affidavit/Police Report in XX/XX/2019 ... per section 605b of the FCRA ... .all of the items listed as FRAUDULENT should have been blocked and or removed within 4 business days ... some of the items were removed but magically have found their way back onto my reports and due to the fraudulent items ... I have been denied a home loan! XXXX  is listing XXXX XXXX   acct # XXXX and XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX THEY were previously removed ... .XXXX  also is listing XXXX XXXX XXXX. acct # XXXX and XXXX XXXX acct # XXXX, TRANSUNION is listing XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX ... .as you can see even some of the account numbers are different but the creditor is the same ... ..most of these items were removed as they should have been and few were never investigated properly and removed.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: NC
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.

Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights. 
Account name : XXXX XXXX XXXX XXXX has violated my rights. 
Account name : XXXX XXXX XXXX XXXX has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX  XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Synergetic Communication Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by a debt collector Synergetic Communication , Inc. trying to XXXX XXXX XXXX # XXXX XXXX, TX XXXX collect an alleged debt of {$2600.00} for their acct # XXXX and offering a settlement offer of {$660.00}. Additionally, the debt collector is saying that due to the age of the debt their client will not sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion is still reporting that account from XXXX XXXX that have been reported as FRAUD. I have sent them the police report and FTC report. They are still reporting this account as delinquent on my report for {$480.00}.

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 2023-04-24
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In response to your letter, which I received on XX/XX/22. You stated that you will be providing information to the CRA, according to congress Select Portfolio Servicing , Inc. is to exercise their grave responsibilities with fairness and respect to me as the consumer 's right to privacy. 
Select Portfolio Servicing, Inc. you also stated credit reporting is not an option to opt-out of, but according to 15 U.S.C 6802 it is. So your response seems to be based on opinion and not LAW. 
Select Portfolio Servicing, Inc. You dont have a right to report any of my personal information without my consent, if you do on XX/XX/XXXX as you stated in your letter, moving forward there will be charges against you for violating Federal Law after you have been told to not do it. 
Below I have attached some Laws you have violated if you feel otherwise please provide your reasoning backed by LAW and not opinion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/22 I received a declination notice in the mail from Bank of America. I called them and reported that I had not applied for anything from Bank of America. They said to contact XXXX of the XXXX XXXX I contacted XXXX. They put a fraud alert on my report and I ordered a credit report. When I received the credit report I again called XXXX. they said to report the fraud to local law enforcement or FTC. I am reporting to FTC. They also told me to call Bank of America again. I did and Bank of America told me it was a cash credit line of {$2800.00}. They of course closed the account with the reason why. I spoke with XXXX in the fraud dept and he is sending some info to me. Again, I did not apply for anything with Bank of America and have never held any type of account with them. Also the letter Bank of America sent had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX address up in the corner. I have never had any dealings with them as well.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputed account t # XXXX with " XXXX XXXX XXXX XXXX '' as these accounts were fraudulently opened and were removed from my credit reports. Now these accounts have resurfaced back onto my Transunion and XXXX  report in which they DO NOT belong to me. Under the laws of the FDCPA, I previously contacted the creditor myself, and they have failed to verify that this is indeed my debt. The Fair Credit Report Act requires you to verify the validity of this debt within 30 days. If the validity can not be verified, they are obligated by law to remove it from my credit file. These debts were unable to be validated and they need to be removed from my account 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 explanation
Consumer complaint received 2019-10-09
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: Information belongs to someone else

Complaint:
I have recently looked over my credit report and have discovered some false accounts reported on my credit file. These derogatory accounts were not created by me and I have no knowledge of these accounts. I have no idea who could have access to my credit report. Now because of this, I have no chance of obtaining new credit. Please conduct a re-investigation into this matter and have these derogatory accounts taken off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: WA
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 writing this statement to expunge the following information off of my profile. The items that I need expunged are already listed in the report. I'm a victim of identity theft and did not make these charges. I'm asking that these items be expunged so that my credit report can be up-to-date and correct. I've already reported to the Federal Trade Commission and printed out copies of my affidavit I would really appreciate it if these items get deleted expeditiously. This issue has been taking a toll on my health and the health of my son. I'm trying to purchase a vehicle so my XXXX son doesn't have to worry about catching XXXX. He also has a XXXX XXXX XXXX which he has to carry with him at all times this is very overwhelming for a single mother of XXXX and all I ask is that I can be assisted in any way to help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please be advised that my name is XXXX XXXX XXXX Im a natural person and consumer summiting this complaint as a victim of identity theft. According to the Gramm Leach Bailey Act lenders can not share my personal information with a third party and if they do they must give me XXXX XXXX XXXX an opt out form that allows me the option to opt out, of the contract. Which I was not given full discloser to protect the privacy and security of my non public personal information. XXXX, Equifax, and XXXX are in direct violation of the Fair Credit Reporting Act, The Gramm Leach Bliley Act and pursuit to 15 U.S. Code 1681c-2 Block of information resulting from identity theft. I am making a very clear demand to remove all fraudulent account listed below on my consumer credit report, within the next 4 business days as stated by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Closed with explanation
Consumer complaint received 2023-02-14
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 sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Closed with explanation
Consumer complaint received 2023-03-01
Company: EdFinancial Services
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received my email from the US Dept. of Ed Borrower Defense regarding XXXX % discharge of my student loans. The email said to contact the servicer to make sure your address is correct for any potential refunds. I called them 5 times today. Their phone system is in such bad shape, that they all sounded like they were on a space ship on XXXX XXXX and XXXXXXXX XXXX! I told them this several times. I heard every 2 to 5 words because the phone was so bad. None of them were able to fix it. So apparently it's a company problem. Why don't they just shut down their phone system???? Good grief! I tried to get a supervisor too to see if that was an issue on their phone too. Never got one because I couldn't understand anything any of them were saying. One Rep named XXXX, repeated my SS # out loud, when I got angry with her for not being security minded or well trained, she decided to hang up the phone! Glad I got her name! This is likely the worst company I've ever had to deal with regarding my student loans! XXXX XXXX was way better, more professional. This company is absolutely pathetic! My fingers are crossed that I do not have to deal with them going forward when this discharge is taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XX/XX/XXXXXXXX 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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 writing this statement to expunge the following information off of my profile. The items that I need expunged are already listed in the report. I'm a victim of identity theft and did not make these charges. I'm asking that these items be expunged so that my credit report can be up-to-date and correct. I've already reported to the Federal Trade Commission and printed out copies of my affidavit I would really appreciate it if these items get deleted expeditiously. This issue has been taking a toll on my health and the health of my son. I'm trying to purchase a vehicle so my XXXX  son doesn't have to worry about catching XXXX. He also has a XXXX  XXXX XXXX which he has to carry with him at all times this is very overwhelming for a single mother of XXXX and all I ask is that I can be assisted in any way to help my situation.

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 2023-03-13
Company: EQUIFAX, INC.
State: OH
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 disputes but never received a response. It's been longer than 30 thirty days and nothing has changed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is with Chase Bank. I took the covid deferment and have returned to making my regular payments. When I took the loan, I was told that the deferred amount would be added to the end of the loan and I would be able to continue to make payments until it was paid off. In order to make up for the missed payments, I paid more than what was asked of me. They now tell me that I have to pay a balloon payment, even though my mortgage does not reach maturity until 2025. I asked to continue to make my regular payments until the rest of the debt was paid off. I owe around {$27000.00}. I make payments of {$2800.00} a month so it should be paid off before the year is up. They refused and told me that I had to make a balloon payment. I have read on your site and the fannie mae website that they can not ask for the balloon payment and that I should be allowed to continue to make payments. I now get late notices saying that I am behind on my payments, even though I have continued to make my payments. The bank refuses to credit my payments to the loan but is holding my money and telling me that I have to make a balloon payment. I have talked with the bank about this for at least 9 times within the last month and at least 3 times this week alone. If someone had a financial hardship and had to take this deferment, how would they have the money for a balloon payment of {$27000.00}?

Company response to consumer: Closed with explanation