BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
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:
I reviewed my credit report and found grave errors that your company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. Your inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) Here the accounts youre reporting with a late payment or missed payment XXXX : Open date XX/XX/XXXX2015 Allegedly late payment XXXX XXXX XXXX XXXX : Open date XXXX XXXX 2016 Allegedly late payment XXXX XXXX2020 Department of education XXXX XXXX XXXX date XX/XX/XXXX Allegedly late payment : XXXX/2019 XXXX/2019 XX/XX/XXXX2020 These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Pursuant of 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore I never gave you ( Insert consumer reporting agency ) or ( Insert Creditor ) any written instructions or consent to furnish any information on my consumer report, this is a violation of 15U.S.C 1681b.

Your company will be civilly liable for negligent non compliance pursuant 15 U.S.C 1681o ( 1 ) any actual damages sustained by the consumer as a result of the failure : Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter. 
Sincerely,

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello! I recently review my credit report and i was shocked to learn that ive been a victim of identity theft. I found account on my credit report that were not opened by me. This has been hurting me as im in a process of buying home for my family. Please remove this fraudulent account from my credit report 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 non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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:
This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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:
Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2018-04-23
Company: Kriya Capital, LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Constantly calling my house about a debt I DO NOT OWE. I am NOT responsible for anyone else 's debt. Repeatedly have contacted them on their website to tell them this, yet the calls keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company failed to validate the debt, which is a violation and in return deleted it from my XXXX tradeline but then in return added it to my XXXX without properly validated the debt, in which a written notification of debt validation was submitted on X/X/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As your XXXX XXXX account was charged off and sold to Velocity Investments , LLC. Velocity Investments , LLC has become the servicer of this account. As a result, all payments and correspondence should be directed to : Velocity Investments , LLC XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX ... This account does not belong to 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 2023-04-25
Company: EQUIFAX, INC.
State: MD
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXXXXXX Balance Owed : {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXXXXXX Balance Owed : {$13000.00}.

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 2019-11-15
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When moving into the XXXX XXXX XXXX ( XXXX XXXX ) in XX/XX/2018 I paid a security deposit of {$250.00}. 

Over the months leading up to XX/XX/2018 we experienced a number of break ins at our complex that damaged property. I was in contact with property management and had to change the locks several times. After not being satisfied with the response from my property manager regarding the thefts I was forced to create a case with the State of Maryland Office of the Attorney General Consumer Protection Division. Case XXXX. I have a copy of the correspondence dated XXXX XXXX with XXXX XXXX who was my mediator. I also filed a police report. 

The case centered around my ability to be able to change my locks without providing maintenance with a key. This caused an issue with our interactions. The mediators decision was that I could indeed change my lock without giving them a key. 

Essentially I am being charged for damages to the apartment that were made either by thieves or unauthorized entrants while I was at work. 

These charges are false as the damages made to my wall and counters were either made by thieves breaking in or people who were not authorized to be on my property. After the issue was brought up to the State Consumer authority the relationship deteriorated and we were unable to communicate. The property manager that replaced the one who failed to rectify these issues wasn't able to understand my position even though we had documented proof questioning the damages to the property month prior to moving out. 




The debt currently resides with NCAC National Credit Audit Corporation XXXX. XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX TX XXXX NC Permit # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, PA XXXX File # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent Experian a letter specifying in detail several errors on my credit report. The most urgent of these are two reports of defaulted student loans, when in fact I have never had a student loan On XX/XX/2020, I sent them another letter once again requesting that these errors be corrected. They have not done anything at all about the problems. 

These errors are preventing me from buying a house! 

More info : Only Experian is reporting these student loans, none of the other bureaus. I sent letters to both of the dept of education addresses shown on the report, and both addresses were not valid addresses and the letters were returned - how can the information be correct when the addresses are phoney? I called the numbers and one of them was not in service and the other one, after a very long phone call, told me categorically that I was not in their system and so there was absolutely nothing they could do about the erroneous reports since I was not in their system!

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 2023-09-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I initiated an external transfer to withdraw funds in the amount of {$1100.00} from my Chase Checking account and deposit into my XXXX Checking account, using XXXX Online Banking. 

On XX/XX/2023, the withdraw was posted to the Chase account and the funds were gone. 

On XX/XX/2023, the remainder of the funds were withdrawn from Chase and my accounts were closed ( no issues with these funds ). 

On XX/XX/2023, XXXX rejected the deposit as the checking account was on hold pending identification verification. 

On XX/XX/2023, XXXX, XXXXXXXX XXXX 's external transfer third party sent the funds back to Chase Bank. Chase confirms these funds tried to return to Chase on XX/XX/2023, but were automatically rejected due to the account being closed. 

It is Chase 's stance that the funds on XX/XX/2023 were then returned to XXXX Bank. 

XXXX XXXX has never received the funds and both banks have conducted investigations, both ultimately saying the other bank is responsible. 

It is XXXXXXXX XXXX XXXXs stance that the funds on XX/XX/2023, were not sent back to XXXX, but instead sent to XXXX, and it is Chase 's responsibility to recall the funds from XXXX. 

XXXXXXXX XXXX has contacted XXXX and confirmed all of this information, but Chase Bank has not. Chase Bank says they have exhausted all options and XXXX needs to fix the situation. 

The representative I am working with at XXXXXXXX XXXX  and I have requested to be assigned a specific case manager at Chase with whom XXXXXXXX XXXX can communicate with directly rather than having to go through general customer service lines, similar to what XXXX XXXX  has done to handle this situation. But, Chase Bank will not assign a specific point of contact to work with to help get this resolved. 

There have been multiple interactions with customer service and bankers at a local branch in XXXX, Colorado, up to today, XX/XX/2023 and there is no resolution at this point in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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$240.00} ; 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 2020-06-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I reached out to my mortgage company to obtain a payoff letter. I was directed to either fill out their online form or email their payoff department. I did both. I was notified on XX/XX/XXXX, that the title company still did not have the payoff. I called Rushmore who claimed they never received the request. I do have proof of the email being sent. I was told they would put in an expedited request and have a manager call me within 48 hours. XX/XX/XXXX and XXXX passed with no payoff nor a phone call from a manager. I called Rushmore on the 3rd and was sent to a managers voicemail. I left a voicemail for XXXX XXXX, who did return my call. He advised I would have a payoff later that day or tomorrow morning at the latest. I was informed by my title company that Rushmore sent over my payoff but with the wrong property information. So they have sent someone else 's personal information to my title company. It is now XXXX XXXX  on XX/XX/XXXX and I still do not have a payoff nor have I heard from XXXX XXXX. I am concerned that my personal information has been sent to the wrong person being they sent my person the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-25
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 following creditors have violated my rights : XXXX ... XXXX ... ... ... ... ... ... ... ... ... ... .. account # XXXX, XXXX ... ... XXXX XXXX XXXX ... ... ... ... ... ... .. account # XXXX, XXXX XXXX XXXX ... ... ... XXXX XXXX ... ... ... ... ... ... ... .. account # XXXX, XXXX XXXX ... ... ... ... ... XXXX XXXX XXXX XXXX accoun t # XXXX, XXXX XXXX ... ... ... .account # XXXX, XXXX XXXX XXXX XXXX ... ... .... account # XXXX, XXXX XXXX XXXX ... .... account # XXXX, XXXX XXXX XXXX XXXX XXXX ... ... ... ... ... ... ... .account # XXXX, Department of ED/XXXX ... ... ... ... .account # XXXX, XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ..account # XXXX. 



15 U.S.C. 1681 Section 602A states I have a right to privacy.

15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions

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 2018-01-09
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The Coinbase company states it has completed a payout to me of {$210.00} to my bank XX/XX/XXXX, which would be estimated to be in my account by XX/XX/XXXX. 

I have not received any money, email, or response to my 10+ email requests sent in to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
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:
I dont recognize how these accounts are reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
This does not follow FCRA under 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) ,15 U.S.C.1681,15 U.S.C 1681A, 15 U.S.C 1681b, 15 U.S.C.1681i, 15 U.S.C. 1681n. 

1.Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Collection 2.XXXX XXXX Account number XXXX Account type Debt Buyer This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
3.XXXX, XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
4.XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Under 15 U.S.C.1681 my rights have been violated.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.

Company response to consumer: Closed with non-monetary relief