BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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 2022-11-19
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 stares a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681C. ( a ) section 5 states no consumer reporting agency may take 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.S-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 non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. It boggles my mind that your bureau continues to dismiss the validity of my identity theft claim, leaving me in a state of perpetual frustration. I came to you seeking assistance and justice, but instead, I've encountered red tape and inaction. I implore you to swiftly initiate a thorough investigation into these matters, remove the fraudulent accounts from my credit report, and help restore my financial standing. I'm not asking for special treatment ; I'm asking for what is rightfully mine as a victim of identity theft. XXXXXXXX XXXX XXXX XXXX. Please remove this account ASAP.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX of the XXXX ( XXXX XXXX XXXX XXXX ) collections on my credit report that needs to be removed and my XXXX XXXX XXXX Balance is reporting incorrect

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; 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 explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have medical debt collection on my credit which are not mine and should be 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 non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions 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 submitting this complaint in accordance with the FCRA 's rules to ask that the mentioned account, that I believe to be erroneous and incomplete, be REMOVED right away on my credit reports within 30 days : XXXX XXXX XXXX  Balance Owed : {$1800.00} - This account was reporting erroneously. I NEED this account REMOVED as soon as possible.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
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 appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have more items left that need to be removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX & XXXX. Please see the items to be REMOVED below that resulted from an alleged identity theft : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-22
Company: Perfection Collection
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never signed or established a contract with XXXX. My wife, who I was separated from at the time, set up a XXXX contract for a home she purchased in XX/XX/XXXX. 

On XX/XX/XXXX, I received email from XXXX stating that my account was 60 days past due. I immediately forwarded it to my wife and asked her to find out why this was being sent to me. 

XX/XX/XXXX, My wife contacted XXXX via phone and tried to fix the miscommunication. She was told that I was the account holder, and I was would have to fill out paperwork. Later that day, I received an email from XXXX XXXX providing me with a name removal memo and an Addendum Agreement. 

Being the businesswoman that my wife is, she was offended because she knew I was not the account owner nor did she want me to be. A couple days later, my wife and I both got on the phone with Vivint to question how my name was on the account in the first place. We then requested to receive a copy of the contract agreement. Again, we knew it was impossible for me to have signed or be on a contract agreement. On that phone call, we were told they could not find a copy of our service agreement and requested that we find a copy of our agreement and send it to them. 

My wife asked the young man on the phone, " If people can't trust you to keep up with my service agreement, then how can I trust you to monitor their home? This is unsatisfactory. Find the contract and email it to ... '' That was the last time either of us spoke to or heard from anyone at XXXX. I have since disputed the bill on my credit report to no avail. 

I appealed to the debt with the debt collector through the appeals process, and have not been able to get this removed from my credit report.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: AZ
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:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: MS
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:
Fraudulent information being reported to my file and needs to be blocked.

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 2019-01-22
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to Specialized loan servicing from XXXX. I had filed bankruptcy as a defense of the sale of my home and that is when the mortgage was transferred. The bankuptcy was dismissed because the payments were very high can could not be maintained. Specialized Loan servicing informed me that I could make the payments to them regardless of the bankruptcy. I paid the XX/XX/XXXX and the XX/XX/XXXX however, when I called to make the XXXX payment I was informed I had to bring the loan current. They refused to take any more payments from me. I attempted 4 times during the XXXX to obtain a modification and SLS would tell me that the payment plan did not work out and the interest rate could not be changed. I have an adjustable rate mortgage with an arm and felt that explanation was not credible. 

Over the months of receiving the modification packages they never told me they were not authorized until XX/XX/XXXX. For the entire SLS held the mortgage hostage with the intent of foreclosing to gain the equity in the home. I went to the NC hardest hit funds and was told that I qualify for funding but I had to come up with " Gap '' funds so I went to my credit union paid for an appraisal and qualified for the funds only to be told they would not extend the dollars to me because I was taking a HELOC. I have al lthe written correspondance that supports each and everything I have said. 

I need help saving my home..I have lived here for almost 19 years. My daughter was raised in this home and it would be very traumatic for her to be uprooted given she suffered a XXXX break in XX/XX/XXXX and she is recovering here in the home. I work full time and I can afford to pay my mortgage if they would reinstate the mortgage, I have spoken with XXXX XXXX as they are the owners/ investor of the loan however, they have denied having the authority to modify the loan as well. This is my only home and when the default occurred I owed XXXX but it is much higher due to interest and fees that have been applied. fees.

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 2023-05-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage lender is Fifth Third Bank ( 53.com ). Please see the email below, which I sent to the banks executive team this afternoon. It contains all pertinent details regarding my complaint. 


Good afternoon, All, I am writing to express my complete and utter frustration with your loss mitigation practices. To be frank, I feel as though your team did not honor the hardship agreement that was finalized in XX/XX/2023. Consequently, I have every intention of filing an official complaint with the Consumer Financial Protection Bureau. 

I was contacted by a member of your loss mitigation department today because your records indicated my mortgage was in default. However, I had entered into a three-month forbearance agreement with 53 in XX/XX/2023. As I understood it, the payments due for the months of XXXX, XXXX, and XX/XX/2023 would be divided and added to my next six payments. I was fully prepared to honor this agreement. 

Unfortunately, your representative informed me that a repayment plan was never created by your team, and now he had to review my financials again to see if I qualified. Even though I have secured a new, six-figure job starting XX/XX/2023, I was told I did not qualify for the repayment plan due to my total household expenses. Therefore, I either had to remit full payment to reinstate the loan OR pursue other options such as short sale. 

I remitted the full $ XXXX today under duress. While I am thankful to have been in a position to do so, I can not help but wonder how many of your other customers have experienced similar issues. Would I have lost my home had I not drained my savings account to remit the payment? Not only is failing to honor the repayment plan unethical, I believe it borders on predatory lending practices for which I will ask the CFPB to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I've been disputing this repossession for almost 2 years because the company constantly reports inaccurate information and balances that allegedly owe, posts completely wrong dates and missed payments..Each bureau post completely different information regarding this account. And I also was never given a notice of redemption, or a Notice of deficiency. I've requested Validation and Verification from all 3 credit bureaus via certified mail and all I get is either its been auto verified or no response..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX illegal/fraudulant wire transfers and XXXX XXXX XXXX transfers were made by scammer. 
We had no knowledge that money was being stolen from our checking account. 
Details as follows : XX/XX/XXXX wife receives a text message telling her XXXX order is confirmed and your account will be charged {$490.00}. Inform us at XXXX if you haven't made a purchase. Wife called the number and was told to download a shared screen app. She shared screen and signed into our JP MorganChase checking account so the person impersonating XXXX can put the {$490.00} dollars back into our checking account. While she did this the impersonator made the XXXX of XXXX wire transfers to XXXX Bank, XXXX XXXX for {$3500.00}. XX/XX/XXXX wife receives a follow up phone call from XXXX impersonator telling her they need to put money back in our Chase checking account. She shares screen and a second wire transfer {$6900.00} is made to XXXX Bank, XXXX. Wife gets text from XXXX ( XXXX ) XXXX : Thank you for choosing XXXX. You have received a credit of {$3500.00} on your Chase checking account. Amount may reflect in a while. Regards XXXX XXXX Billing XXXX XX/XX/XXXX Wife gets repeat text from above number and person Thank you for choosing XXXX. You have received a credit of {$6900.00} on your Chase checking account. Amount may reflect in a while. XX/XX/XXXX Wife gets text to call XXXX impersonator. Final wire transfer to XXXX Bank, XXXX was made from our checking account for {$8900.00}. XX/XX/XXXX I happened to look at our checking account to pay bills and noticed these XXXX wire transfers. My wife had no idea that these impersonators were stealing money from us and making wire transfers to bank in India. I also discovered XXXX consecutive fraudulent withdrawals from our checking account through XXXX XXXX XXXX CA each for {$500.00} -total {$2000.00}. I immediately called Chase Bank to report the fraudulent activity. Chase did a 1 month investigation and concluded they are not at fault because my wife shared her screen with these impersonators. I have been a Chase customer for more than 25 years and have never made a wire transfer. Chase should have called to inform us of these wire transfers before they were made. They have taken zero responsibility for approximately {$20000.00} in illegal wire transfers out of my Chase checking account. Any suggestions on how I could recover the money?

Company response to consumer: Closed with monetary relief