BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'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 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 2022-08-11
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: Information belongs to someone else

Complaint:
Date XX/XX/2022 XXXX has committed Fraud Pursuant 15 USC 1681B, I never gave XXXX permissible purpose or any written letters or instructions to report any information on my Consumer 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 2018-03-03
Company: CORELOGIC INC
State: CA
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:
Hello, I have hard inquires on my credit report I would like to get removed I have not received loans by any lenders and I have not authorized these things please help me remove my inquires as far as my credit report. 

Thanks

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 2023-06-19
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:
Over a year ago, I decided to take charge and purchase a home for my family and was told by close friends to pull my credit reports ( which I had not checked or done for several years prior ). Once I pulled my FICO scores and checked my VantageScore with XXXX XXXX I was shocked to see such a low score and delinquent accounts under my name and social security number for my TransUnion report. Over the course of several back and forth disputes done following the full dispute process and submitting identity theft and police report and having it approved, I got most of those fraudulent and delinquent accounts off my TransUnion report. However, two charge-off accounts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX both of which I have never opened a credit card with. Both those accounts were opened fraudulently, without my consent or knowledge and used and destroyed my financial reputation without me even knowing. I am frustrated beyond explanation as I have continued to send disputes to TransUnion to delete the accounts from XXXX XXXX XXXX and XXXXXXXX XXXX as they are not mine and I have supplied plenty of relevant and supporting documentation in order for those fraudulent accounts to be removed as it is identity theft and I have sent TransUnion that identity theft report prior and they have done absolutely nothing to delete the information and block it from being re-reported according to FCRA laws.

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 2021-04-08
Company: Fidelity Properties Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am a XXXX XXXX XXXX Veteran. I have a Veterans Administration ( VA ) Mortgage with Midland Mortgage. I had a COVID-19 Forbearance Plan. I am able make my monthly payments again, but I am not able to repay the balance of my Forbearance. I have made a good faith effort to find a resolution to the situation, but Midland Mortgage has done everything possible not to cooperate. They continually claim that the documents necessary are either incomplete or that they were not received. I have confirmation that that the documents were received and I have resent them the same items multiple times. They are use the the threat of damaging my credit and taking away my home as a was to pressure me into paying the full amount, which I do not have. I have contacted VA about this, and VA said that they are improperly servicing the loan according to the COVID-19 Forbearance and VA Home Loan Mortgage regulatory guidelines. VA said that I should file this complaint. I have even filed a complaint with their Executive Staff.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions 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:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

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 2023-06-19
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: NC
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 2023-06-19
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved 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 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 2020-06-02
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Was pre-approved by Quicken Loan 's Rocket Mortgage. After 90 days, loan did not close. Not explanation or reason on denial of loan application and original loan pre-approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 complaint to inform you that I am a victim of identity theft. I found certain items in my file resulting from the crime. Please have this investigate and have this items be deleted on my file as fast as you could. The items I am disputing do not relate to any transactions. Based on FCRA Section 605b, It was the responsibility of the 3 credit bureaus to remove some inaccurate information which are not belong to the owner. These following items should be deleted as they were fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
syncs/care credit and XXXX XXXX/ XXXX  are reporting negative on my credit report and i have not opened an account with them. i have tried calling them but have not be able to get any help resolving this problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. I received a number of phone calls Citi Card collection department during the week of XX/XX/XXXX identifying that I was overdue on one of my Citi Card accounts. 
3. I spoke to someone on XX/XX/XXXX and asked that they send me the statements for these charges. I only received statements with finance charges and interest and no record of the XX/XX/XXXX charges. 
4. I spoke to ( 5 ) people in collections around XXXX ET on XX/XX/XXXX and ultimately, I paid {$260.00} from my XXXX XXXX XXXX account, I was told that I still had a balance due for the membership fee of {$99.00} for the recently closed account plus some other finance charges and interest. The total debt requested was {$410.00} 5. I called the Citi Card Fraud department at XXXX on XX/XX/XXXX and gathered more information about these charges. I was told that there was a total of {$160.00} ( {$31.00} ; {$42.00} ; {$44.00} and {$50.00} ) for charges on XX/XX/XXXX in XXXX Mass. We have not been to XXXX in many years ( and my appointments for these days can confirm my location on XX/XX/XXXX. ) 6. I spoke to a person around XXXX ET  on XX/XX/XXXX and I was told these charges would be under investigation. 
7. I received an email notice on XX/XX/XXXX that one of the finance charges of {$37.00} would be waived. 
8. I received a letter dated XX/XX/XXXX notifying me that I must pay {$150.00} while the dispute is pending. If I paid this amount, I would have paid {$420.00} on fraudulent charges. The only valid charge in question is the {$99.00} membership fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: CURO Intermediate Holdings
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a XXXX loan. The balance of loans typically goes down with monthly payments, but no this company charges daily interest so there's no way of paying the balance down. So instead it continues to rise even tho monthly payments are taking out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: VA
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:
Despite multiple requests, the unverified item with XXXX, inaccurate late payments status, still remains on my credit report in violation of XXXX XXXX. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020. I discovered this account my checking my credit report through XXXX. I've made multiple attempts at disputing this account and haven't gotten a resolution. This account is negatively affecting my credit.

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 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Mailed letter to : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Charge off of Car. 
Account was not charged off- car was wrecked and amount was paid by insurance. 
I reached out to XXXX XXXX and have a letter with the information that was sent to the credit bureaus. Dated XX/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 explanation
Consumer complaint received 2020-07-16
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello I have forwarded this email to my personal email to respond. This is harassment, I just spoke with Navient support this morning informing Navient that I filed a complaint with the consumer financial protection Bureau for sending my work a letter asking for my personal information, this call ended at XXXX XXXX. After I arrived to work and opened my email I see the below email was sent at XXXX XXXX  to my entire company. I will be filling a second complaint for the continued harassment at my work. 

I requested my promissory notes this morning be sent to me and I will be working on a plan of action with a third party. I will either be in touch Friday or Monday. 


XXXX On Thu, XX/XX/2020, XXXX XXXX XXXX XXXX XXXX wrote :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
OneMain XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This has been an ongoing issue as a copy of my personal information was stolen while hospitalized more than a month. I have never had a One Main Financial Account, credit cards or other miscellaneous accounts that were opened due to fraud. I have had multiple XXXX XXXX, been in a XXXX and had copies of my identification stolen from the XXXX XXXX XXXX South Carolina. The theft was reported to police. I do not have income, therefore, would never be issued any type of loan. OneMain XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made an image test in XXXX XXXX XXXX. At the day of the test, I paid {$250.00} via credit card. Some months later the Hospital sent me a bill of {$870.00}. So, I called the Hospital and asked to them take out {$250.00} of that cost once I paid it prior the test. Furthermore, on XX/XX/2022, I called the Hospital and negotiated a discount. So, they accepted to receive more {$50.00} and END the charge. Then I paid more {$50.00}, totalizing {$300.00}. 
Recently, for my surprise, I received a debt collector letter, trying to receive {$820.00}. I disputed the debt and sent to them the documents which prove I paid the total cost of the service negotiated with the Hospital. However, they ignored my dispute and sent a new letter with rougher threats. These trying to receive more money than was agreed upon is causing a lot of stress, because I thought I could trust on the deal I made with the hospital. It is a lack of transparency and honesty.

Company response to consumer: Closed with explanation