BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
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: Personal information incorrect

Complaint:
ADDRESS IS INCORRECT I BEEN AT SAME ADDRESS, ALSO By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months to a year. 

Thank you for your time and help in this matter.

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 2023-01-26
Company: MONEY SOURCE, INC., THE
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I'm a licensed XXXX XXXX XXXX in Michigan. My client sold her home and the title company requested a payoff for a closing date of XX/XX/23. On XX/XX/23, the title company received the payoff amount due for XX/XX/23. It's been one week since we closed on her property and we received an email from The Money Source stating that she owed an additional {$930.00} because the loan was entering foreclosure on XX/XX/23 and includes additional fees and costs from the attorney. The email states the payoff amount they sent the title company was correct for the closing date of XX/XX/23. 

If they do not receive the additional {$930.00} by tomorrow ( XX/XX/23 ), they will return the original payoff amount and send a new updated payoff request which will include other fees and costs. 

I feel that this is a very bad business practice. Once the payoff amount is sent from the mortgage company, that should be what the payoff is. Additional fees should not be added. I'm attaching the payoff amount from the mortgage company for the date of closing, as well as correspondence. Thank you for looking into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXXXX/XX/XXXX GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-22
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: KY
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:
I XXXX XXXX consumer who is a victim of identity theft. XXXX, XXXX and Equifax has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish.Congress makes it clear that the consumer has a right to privacy which XXXX, XXXX, and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair CreditReporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of XXXX. I enclosed all documents social, ID and statement below. 
Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : XXXX XXXX XXXX  Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Macys/Citibank N.A XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX In the Amount of {$580.00} on XX/XX/XXXX This account was identity theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX In the amount of {$1200.00} on XX/XX/XXXX This account was identity theft XXXX XXXX XXXXXXXX At & T/ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX In the Amount of {$300.00} on XX/XX/XXXX This account was 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 non-monetary relief
Consumer complaint received 2022-01-08
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, 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:
Please remove my inquiries. I applied for a car loan and they ran my credit to 19 different places to get me approved for a loan and told me they were only running it for one place. Now I have numerous hard inquiries I need removed. Its making my credit bad please remove.

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 2023-11-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ACCOUNT # XXXX XXXX I REQUEST YOU PROVIDE ME WITH PROOF OF THIS ACCOUNT BEING LATE. IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE, PLEASE UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE. PLEASE PROVIDE DETTAILED DESCIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION REPORTED. ALSO THIS ACCOUNT HAS NOT BEEN UPDATED IN OVER A YEAR

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: FL
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 recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report. It has come to my attention that I did not receive a copy of my billing statement for the months listed above which is required by the law at least 21 days before the payment due date. Pursuant to the provisions of 15 U.S. Code 1666b - Timing of payments.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 2023-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 there was unauthorized transaction from merchant XXXX. Bank of America refused credit my account with temporary even doe there could see where the merchant took my money unauthorized. I have waiting over 90 day have not see any money put back in my account. Or temporary credit while they researching problem my XXXX still missing me account. On top that there is other unauthorized transactions happen in my checking account the Bank of America refuse to refund my credit in my account along with the fee they keep hitting my account with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NY
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 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 2022-04-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was called by a Chase Banking rep saying that someone was trying to wire all my funds out of my bank. Well it happened. I put in a claim with Chase Bank case number : XXXX and the funds went fraudulently out to a XXXX XXXX Banking account in Florida. So far nothing and Chase is saying XXXX XXXX Bank is not responding. This was my savings and all the funds I had. {$6000.00} gone! Chase refuses to update me on the claim or to refund me or do much else. The wires on our accounts are so loosely done with no security protocols in place. When I was with XXXX XXXX  XXXX I couldn't wire funds so easily and I had to call in to verify this wasn't fraud. I want my money back and I want Chase to take some accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: VA
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 did not recognize any of the following inquiries and did not authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: WELLS FARGO & 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:
Wells Fargo claims that I had a credit card with them ending in the number XXXX which for the longest time was used to monthly auto-pay an account in meal pal for XXXX. This card was on auto-pay from my savings account in wells Fargo. This went on for over 2-3 years before I even noticed it. Upon noticing, I brought it to wells Fargo 's awareness and they have done nothing to solve it. I canceled my savings account with them and all banking relationships with them. To make it worst, they sent me another credit card ending with XXXX and have started to chase us for some pending payments ( which we never incurred ). This is real harassment. We receive a call from their debt collection agency every Saturday at XXXX XXXX and a letter from them every month where we have made it amply clear to them that we have nothing to do with it. 

I am sensing that this is part of a larger fraud here and looking for help in resolving it. not sure how many other consumers might have similar issues with them. 

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 2023-09-17
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: Account information incorrect

Complaint:
I recently received a copy of my Experian credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports XXXX XXXX XXXX XXXX XXXX Acct # : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, you reported transactions from XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/Corporation making the report are not included on the consumer reports, yet you are reporting this information to my consumer reports!

Furthermore, 15 USC 1666b ( a ) : ( a ) TIME TO MAKE PAYMENTS 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 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I AM CURRENT ON ALL CHILD SUPPORT AND COLLECTION MUST BE REMOVED FROM MY ACCOUNT. Please remove the entire " XXXX '' efforts from my credit report, from XXXX XXXX XXXX ( XXXX ). 

please see attached, and remove the collection efforts. 

See letter dated XXXX 

XXXX amount should be {$0.00}. 

Not owed ; not due. 

Please remove from the credit report. 

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 2021-03-12
Company: EQUIFAX, 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:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/2021 from American Coradius International LLC stating they are collecting a debt on behalf of XXXX for {$210.00}. I went ahead and contacted XXXX XX/XX/2021 and inquired about this collection and they were able to clarify that this was incorrect and there was indeed no debt collection requested for my account. I have done research online and apparently this company is notorious for illegitimate collection from people on behalf of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: IN
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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this complaint is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Starting on XX/XX/XXXX I was hospitalize Until XXXX XXXX. During this time my wife filed for a forbearance on our morgage.With XXXX XXXX our lender.Starting on XX/XX/XXXX for XXXX months payments of {$840.00}. Then we were informed that XXXX XXXX transferred to Select portfolio ServicinXXXX XXXX.We have been trying to work with the new lender to get the XXXX months forbearance payments added to the end of our loan. On XX/XX/XXXX we started making our payments again and have made all our payments on time until current date.We have sent all the paper work in to have this amount added to the end of our loan but they keep sending us letters they need more imformation.we have sent the same information now at least XXXX or XXXX times.. they have sent us letters saying they have all the information then XXXX days latter say they need more of the same things we have sent ... this has went on for XXXX months..still hasn't been resolved... XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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