BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
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: Personal information incorrect

Complaint:
THIS COMPLAINT IS AGAINST XXXX CREDIT BUREAU. XXXX TOTALLY DELETED THE PREVIOUS ADDRESS OF XXXX XXXX XXXX XXXX, XXXX GA XXXX FROM OUR CREDIT BUREAU UNDER PREVIOUS ADDRESS. 

WELL, WE KNOW WHY BECAUSE THE HOME WAS PREVIOUSLY PURCHASED BY XXXX XXXX XXXX PRIOR TO US EVEN TOURING THE HOME. BASICALLY, A GREAT MAJORITY OF THE HOMES ON XXXX XXXX XXXX HAS MORTGAGE FRAUD ISSUES AND THE OWNERS ARE BEING PAID TO PARTICIPATE IN THE PROCESS. IF NOT THE HISTORY OF THE HOME HAS BEEN MODIFIED! 

XXXX IS WORKING WITH ALL OF THE INDIVIDUALS WITHIN THE RICO XXXX XXXX XXXX XXXX XXXX XXXX GA TO COVER UP THE FRAND AND ID THEFT AND FRAUD. AS A MATTER OF FACT THE ATTACHED INFORMATION SHOES THIS XXXX BEING THE INDIVIDUAL FORECLOSED ON NOT US. WE NEVER RECEIVED A LOAND FOR A MORTGAGE WE WERE PAYING HIS XXXX XXXX XXXX XXXX MORTGAGE IF THAT'S HIS NAME. 

XXXX NEEDS TO CORRECT THE HISTORY OF ADDRESSES, THEY WANTED PROOF SO THEY ARE GETTING THAT AND MORE. THEY NEED TO PULLED XXXX XXXX XXXX AND IDENTIFY AND QUESTION HOW THIS PERSON IS STEALING HOMES FROM PEOPLE, THE ANSWER IS THE XXXX, ATTORNEYS AND OTHERS USE HIM AS A CATALYST IN ORDER FOR THEM TO BECOME WEALTHIER, HE GETS A PORTION OF THE FRAUD LOANS HE TAKES OUT IN OTHER INDIVIDUALS NAMES AND SPLIT THE REST WITH THE ENTERPRISE. 

XXXX BETTER CORRECT OUR ADDRESS HISTORY. THEY ARE SO RUDE AND IS ALSO FULLY RESPONSIBLE FOR INDIVIDUALS LOOSING THEIR HOUSES, OH YEA THEY WILL BE CHARGED AND WELL AND INDICTED, TRUST AND BELIEVE ALSO, THERE WILL BE ANOTHER COMPLAINT. XXXX HAS ALLOWED COMPANIES TO PULL MY CREDIT REPORT CAUSING NUMEROUS INQUIRIES ON TO MY 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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called the 3 credit bureaus after I purchased a credit report with XXXX XXXX XXXX XXXX XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XXXX XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this 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 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2023-02-09
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 is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX 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 XXXXXXXX Balance : {$18000.00}

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 2023-07-27
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: Their investigation did not fix an error on your report

Complaint:
This formal complaint is against XXXX, XXXX and TransUnion for unlawfully reporting fraudulent accounts that were established using personal identification without my authorization or written consent. XXXX has willfully and negligently ignored multiple dispute requests to properly address fraudulent information being furnished on my consumer report. You have failed and neglected to provide written proof and validation that these alleged accounts belong truly to me. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged accounts, nor therefore any such debt, in fact therefore exists.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-01-21
Company: Alorica Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This complaint is in regards to a personal loan that I originally took out through XXXX  which was always paid on time as agreed and has since been transferred to SST Service Systems Technologies Inc. loan number XXXX. While in SSTs care I have since paid the loan off in full on XX/XX/ the balance of XXXX before I did this on XXXX I also cancelled the automatic payments so another payment was not drafted on the due date of XXXX  Upon checking my account there was an automatic payment still being withdrawn after I canceled the automatic payments beforehand and also verified them being cancelled via a phone call with an SST representative. Part of the original loan agreement with XXXX I would be given XXXX upon signing the loan agreement and another XXXX plus interest upon paying the loan off this money would be direct deposited to my checking account on file within XXXX days. As of today XXXX  I have not received the XXXX over payment that was drafted after canceling the auto payment or the XXXX plus interest and phone calls to this company have had no resolution to this I am being told that my savings can not be transferred until my account is closed and my account can not be closed due to the XXXX overpayment which was requested to be refunded and was denied. I am being asked now to send a portion of my bank statement containing my personal information showing that I made both the XXXX payment and the XXXX even though it shows that I made these payments on their website. After sending this email as requested I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: National Enterprise Systems, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is not my account. I have no idea why this company is contacting me about this account. No knowledge at all. sent company a letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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:
TransUnion is reporting four bankruptcy cases on my credit report XXXX and XX/XX/2022. Transunion and XXXX states the information was furnished from Bankruptcy Court State of Wisconsin .I have attached a letter from the Bankruptcy Court stating they do not furnish nor do they verify or validate this information Transunion and XXXX is reporting in this report and I have furnished them and added to this report the information from the Wisconsin Bankruptcy Court stating they do not verify this information. Transunion and XXXX is falsely stating this information 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 non-monetary relief
Consumer complaint received 2021-05-18
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem is not listed so I just chose the most innocuous one.

Last year, United Wholesale Mortgage mismanaged my escrow account by not using my money to pay my insurance for a year. The insurance expired and I was not able to get insurance with that company again. I got insurance with a new company and paid for it myself out of my pocket because I don't trust United Wholesale Mortgage to manage my money. 

I filed a complaint with your organization and United Wholesale Mortgage lied to you and gaslighted you and you closed the case. 

I have continued to pay my own insurance and United Wholesale Mortgage refuses to lower my escrow cost so I have continued to pay my mortgage without fail even though they increased my escrow charges! 

Two weeks ago, they sent me an email saying they " paid your property taxes '' when they didn't. They actually paid my insurance! 

I decided to look at my escrow balance and I found a secured message from them that said I had a shortfall in my escrow account! They never contacted me about this. I found out by accident. I responded by asking them where the money went and also why are they paying my insurance when I already paid it. They never answered me. 

I decided to look on the website and see if they answered the message ( but never contacted me like before ) and now the website says I have a shortage of nearly {$6000.00}! Where is the money I have been giving them every month? Now they say they are increasing my monthly payments by over {$700.00} per month!!!!! It is absolutely impossible that I am short this money. WHERE IS MY MONEY? 

I have tried calling but the people on the phone just hang up when they don't know the answer to my question. WHERE IS MY MONEY? 

I asked them to close the escrow account and let me handle my own money since they have proven to be incapable to do that. They said they won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 I called TD Bank Credit Card number XXXX to dispute payments done by scammers. 
The TD credit card representative laugh at my request for help over the phone, canceled my TD credit card and I had no access to my online account. 
TD Bank continue approving fraudulent charges on my account after I reported the fraud by the scammers. 
For the past XXXX months I am disputing scammers charges on my TD credit card account without any resolution. 
I file a police complaint on XX/XX/2023 that more than XXXX credit card was involved and charged by scammers. The other banks helped me right the way and stopped all the fraudulent payments and money transfer on my credit cards : XXXX, Bank XXXX XXXX, XXXX XXXX XXXX XXXX. Only TD bank continue approving fraudulent charges and transactions. TD Bank XXXX Department closed my case numerous times, reopened it to close it after few days, when the police called TD Bank with my information on XXXX, TD bank refused to discuss my case. 
Many TD customer service representative shared information with me over the phone that TD bank do not trust their customers when they dispute fraudulent charges. Every next representative was more difficult to deal with and unable to help me out transferring my calls to another TD Bank customer service representative. 
TD bank credit card company placed all five charges back on my account plus interest for the past two months. 
Total amount {$5400.00} plus interest of over {$230.00}. 

XX/XX/2023 XXXX XXXX {$100.00} XX/XX/2023 XXXX XXXX {$250.00} XX/XX/2023 XXXX* XXXX {$1000.00} XX/XX/2023 XXXX XXXX XXXX {$2000.00} XX/XX/2023 XXXX XXXX {$2000.00} All transactions were approved by TD bank after my call on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Navient Solutions, LLC.
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:
In accordance with the Fair Credit Reporting Act, NAVIENT has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase at XXXX. I returned the item and XXXX XXXX XXXX  received the money on XX/XX/XXXX and they are holding the money. XXXX XXXX is saying XXXX is holding my money but after checking with XXXX they said that wasn't true. They will not release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions Inc.
State: FL
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 have submitted a dispute with both Experian and XXXX regarding a debt to the company XXXX XXXX for an account that was fraudulently opened using my credentials. I have never owned a XXXX XXXX account and did not accumulate this debt. They both responded that the information was verified valid however it is not, I have followed all procedures regarding identity theft and even filed a police report with my local authorities. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX TX XXXX BALANCE {$1100.00} DATE OPENED XX/XX/2018 XXXX FILE # XXXX I would like this removed from my credit profile as I did not authorize this and it was fraudulently opened under my name.

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: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Despite opting my deceased father 's information OUT of all pre-screened credit card offers months ago this bank seems to see fit to continue to mail unwanted credit card offers to him. Most recently an XXXX XXXX XXXX Credit Card Invitation number XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, I noticed charges from XXXX. I called the Bank to report I didnt make these and they were processing. They told me that there were charges from XXXX now and some on XX/XX/2022. I told them I didnt make these charges. They totaled {$2600.00}. Theyre not refunding my account. They said that I have a relationship with this Como but I explained that I only authorize XXXX to charge {$.00} cents monthly to back up my phone data. I am asking to get my money back as I did not make these charges. Please help 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 monetary relief
Consumer complaint received 2022-05-18
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Agency : Residential DATA LLC ( XXXX XXXX XXXX ) FIRST ADVANTAGE/NCAC. 

I XXXX XXXX want the Notation on all credit files and reports of false charges removed, for the following reason, I emailed the landlord multiple notices to fix property and to remove pests, rodents and roaches and the lease they are fraudulently over charging me {$6000.00} for the lease. 

Paragraph Provision 36 of Lease ( XXXX XXXX  ( XXXX XXXX ) XXXX I can send an email notification and they can communicate with me via email. Offices were closed due to covid issues with the apartment state standards. 

Lease notifications multiple email notifications of a 30 day notice were sent to the landlord, physical office and also via email, and maintenance portal from XXXX until XX/XX/2020. 

Multiple 30 day email notices to vacant 6 months before vacating property during covid were sent to notify the landlord. 


I emailed the landlord multiple notices to fix property and to remove pests, rodents and roaches that were never resolved and the lease they are fraudulently overcharging me {$6000.00} for the lease. 

XXXX  XXXX XXXX XXXX and Safety due to Roaches and Rodents they had 14 days to fix and did not fix the issue that started in XX/XX/2020 - XX/XX/2020. I am able to break the lease with no extra charges because they failed to fix the rodent and pest problem. 

Virginia State Tenant / LAW was violated by landlord 55.1-1234. Noncompliance by landlord. 
Except as provided in this chapter, if there is a material noncompliance by the landlord with the rental agreement or a noncompliance with any provision of this chapter, materially affecting health and safety, the tenant may serve a written notice on the landlord specifying the acts and omissions constituting the breach and stating that the rental agreement will terminate upon a date not less than 30 days after receipt of the notice if such breach is not remedied in 21 days. 

If the landlord commits a breach that is not remediable, the tenant may serve a written notice on the landlord specifying the acts and omissions constituting the breach and stating that the rental agreement will terminate upon a date not less than 30 days after receipt of the notice.

This has affected my ability to rent, or mortgage and credit score See lease PDF See Virginia State landlord law PDF View email notifications. PDF Contacted XXXX credit report ( was not removed ) It was removed from XXXX 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 monetary relief