BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my FURTHER Complaint that I was the victim of identity theft but still no action from the 3 credit bureaus to remove the fraudulent items in my file. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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

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 2021-10-31
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 and XX/XX/2021 request for method of verification was requested but not received. On XX/XX/2021 a complaint was filed with CFPB regarding not receiving the requested method of verification. Another letter was sent out on XX/XX/2021 regarding the dismissal of my request. This is now 4 failed attempts and at this point I feel like there is not even an investigation happening, if there were then I'd have the documentation I am requesting. As a consumer, the reporting credit bureaus have failed 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 explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion, XXXX, not XXXX XXXX XXXX has not deleted this misleading, erroneous and inaccurate account in over 180 days when the law states 30 days. They have not furnished an Original contract bearing my signature and also all dates and balances are inaccurate as this account and details are not mine, the address to this account also does not belong to me nor does it reflect on any of my credit reports from any bureaus. Please delete this erroneous account immediately. All major credit bureaus should claim to have verified this information but are doing so in a lackadaisical manner ; they have not taken every step to make sure each and every detail of this account is accurate because any inaccuracies merit deletion which is my right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
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:
Dear Transunion, There is information reporting on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer. ( see attached )

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 2021-10-31
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A wrongful foreclosure and I was denied the opportunity of discovery and that is in direct violation of my constitutionally secured rights to due process of law which is a direct violation of your oath of office. 
My credit has been impaired and they have threatened me with the imminent loss of my property despite the fact that I have made all payments in accordance with the loan agreement. 
The mortgage company Failure to give proper notice due to a one-digit wrong social security number that was done at the closing. 
Miscommunication between the lender and me about the social security number then the lender stop processing my payments and stated sending the payment back to me. 
I am a senior with XXXX  XXXX and the mortgage company stole {$55000.00} from me which was an insurance hurricane claim check for the roof and other repairs so I feel that irreparable harm has been done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Flat Branch Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When applying for a mortgage with Flat Branch Mortgage Company I had a really bad experience with XXXX XXXX. I feel I was discriminated against because Im a XXXX Man. Everything she asked me for I supplied it and when she asked for a certain amount to be in my bank account I made sure it was in there. That was the last thing I needed to do to get my preapproval letter. She however came up with something else, she told me I needed to show a paper trail, she began asking me for all this other information to show where I got the money from because as far as she's concerned I could've gotten it from a " XXXX  Deal '' ... ..that is a XXXX comment and Im pretty sure she would not of said it to me if I was a white male. I complained to her manager XXXX XXXX and he backed her with everything and he was extremely disrespectful. I told her that was a XXXX comment and she said she was at a closing before and they found out the money was from XXXX  ... .I then asked her what does that have to do with me? I dont sell XXXX  or do XXXX  my Wife and I work everyday. I feel they are XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 car loan opened in my name from XXXXXXXX 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 2021-05-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I was mailed an " IMPORTANT NOTICE '' ( all caps ) from PennyMac, my existing mortgate company. PennyMac 's letter indicated that they were " pleased to let [ me ] know about an important opportunity '' and that I could " refinance [ my ] VA loan into a new, lower rate through the VA Interest Rate Reduction Refinance Loan program. '' As my existing lender, they provided information on my loan number, my current monthly payment amount, what my new monthly payment amount could be as well as my monthly and annual savings. 

They also wrote that I didn't have to transfer and I could stay with PennyMac. 

They encouraged me to either call a number or visit a website to complete an application " NOW '' ( all caps ). I did that and submitted the application online to refinance my loan to lower my interest rate. 

PennyMac pulled a hard inquiry on my credit. They called me only to inform me that I was not eligible, not because I wasn't financially eligible, but because I had only had a loan since XXXX and needed a total of 210 days and wasn't eligible until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: FL
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 ( XXXX XXXX XXXX XXXX ) Account # 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 1666B : 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 2023-05-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information on my credit Report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies listed in my pdf

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 2023-01-27
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : : 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 2022-04-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Cease and Desist Communication Regarding Collections/Charge off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it.

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.

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 2023-10-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed that the XXXX and XX/XX/XXXX mortgage payment was reported late on my credit report. On XXXX I contacted XXXX at Wells Fargo and was told that my account was never more than 30 days late. I was told I would receive a letter stating this and that those items would be removed! However I received a letter dated XX/XX/XXXX stating that they could not remove the late payments stating I was late for XXXX and XXXX of XXXX. They also had incorrect dates on this letter as the house was sold on XX/XX/XXXX of XXXX and they had late payment of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They also stated in that same letter that they reported XXXX and XXXX of XXXX as current and paid on time! Yet my credit report states that XXXX and XXXX of XXXX were late! I called back on XX/XX/XXXX and spoke with XXXX at extension XXXX and told him that I still needed a letter stating the truth which was that XXXX and XXXX of XXXX were current. It was on the letter dated XX/XX/XXXX but it was confusing as they stated they wouldnt remove or fix it, but then stated they reported it as current on those dates and its reflects on my credit report, which is not so! I also told XXXX that the dates of XXXX, XXXX, and XXXX were not accurate since the home was sold in XXXX of XXXX and those dates were XXXX. XXXX stated he would send a letter. On XX/XX/XXXX he sent a letter with a history of conversations but nothing stating the truth of the inaccuracies! These issues are causing me hardship in purchasing another home for my family of 6.

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 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Since XX/XX/2023 to now Capital one been sending me emails promoting Quick Silver credit card and i would get hgher limit than my Platinum  credit card i had for about XXXX ... I kept telling capital one just give me XXXX credit limit.They never would, and in emails say i been paying ontime over 9months, but its been over year on time.So they offer me QuickSilver credit card, and it is pre approved.Get no rate for 9months than it be 29.8 % higher than iam paying now Platinum.And when i fill out application it have no effect on credit report, bunch XXXX XXXX! My score was XXXX than it drop to XXXX, hmmmm??? My Platinum  Credit Card is XXXX limit i use lot i pay from XXXX or more amonth for over year, they refused to give me higher limit, i ask for XXXX limit for me putting up with there illegals employees can't speak English to good..Iam XXXX  over XXXX i should get better rate, and hgher limit..I applied XXXX XXXX, Capital one gave me QuickSilver credit card with only XXXX limit, and keep saying they sent card out .That i can activate it now.I called in about Quick Silver card twice, and last represented illegal guy XXXX ask for my whole SS # i said thats fraudulent, i should only need give my last four numbers.He said i can't check account on QuickSilver, unless i give my SS # all my numbers, so i did..He said he fix few things and said he can raise my limit higher, and get my cards out in mail to XXXX XXXX ASAP.He ask if i wanted to activate cards now, i said heck no, i not even got cards.But in text message say its at XXXX XXXX XXXXXXXX XXXX, and Our XXXX XXXX  is over XXXX miles away, it is very expensive to drive XXXX XXXX, i had half tank i left XXXX XXXX to get mail, No Capital one QuickSilver  Credit Cards.I had to put XXXX dollars in off my Platinum  C/C , ..Capital one owes me XXXX bucks reimbursement on my card, for lying cards in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
In XXXX of this year, I disputed with my credit card company Capital One two charges for two trips ( for me and my partner ) a group trip to XXXX XXXX with the company Flash Pack that was cancelled two days in. I submitted all paperwork requested and after months, the credit card company denied because XXXX XXXX provided a voucher ( which I argued at that time they would not be able to fulfill ). On XX/XX/2020, XXXX XXXX notified me that they are insolvent ( bankrupt ) and all future trips are cancelled and the voucher is not valid. Capitol One refuses to do another chargeback, open a new dispute, reopen the prior dispute or help in any other way. The total for both trips is {$6100.00}. I have no other recourse for a refund except through Capital One -- trip insurance has denied and XXXX XXXX is bankrupt and can not give me a refund. I am certain Capital One could do a second chargeback using a different code. Not only were they unhelpful, they also were rude and not empathic to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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