BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There are many mistakes appear in my report without my understanding.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S.Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 to the Fair Credit Reporting Act the list below g Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct Account number XXXX XXXX  XXXX Acct Account number 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 2019-06-20
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: Public record information inaccurate

Complaint:
On XX/XX/2019 XXXX deleted 2 Public Records (  Bankruptcies ), from off of my Credit Report due to inaccuracies. However, on XX/XX/2019 XXXX turned right around and placed the 2 DELETED Public Records ( Bankruptcies ), that they previously DELETED off of my  XXXX   Credit Report, on XX/XX/2019 back on my Credit Report. Which caused a major drop in my Credit Score. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! 

I am requesting the same request, from TransUnion as well. TransUnion did the same exact thing. They DELETED the 2 Public Records ( Bankruptcies ) off of my TransUnion  Credit Report, but put the 2 Public Records ( Bankruptcies ) back on my Credit Report. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY!

XXXX  has removed both of the Public Records ( Bankruptcies ), from my XXXX Credit Report, due to inaccuracies. Thank you XXXX. 

XXXX  and TransUnion has caused a great ordeal of pain to me, as well as to my Credit Score. So, Im asking for both Credit Agencies to remove the 2 Public Records ( Bankruptcies ), from my Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: IL
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've notified the company that I have no knowledge of a XXXX account that im a authorized user on. and want this removed from my credit profile. I also have inquires on my credit I have no knowledge of. such as XXXX XXXX. and XXXX. and theirs also 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 2020-12-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold from Wells Fargo to XXXX in XX/XX/XXXX Wells fargo will not provide me with a record of the ground rent payments of {$54.00} that was deducted from my escrow unless I ask for a release of information. This should be released to my new loan servicer which is with XXXX  automatically. 
Release of information request must be sent to fax # XXXX. Spoke with XXXX  ID # XXXX  with Wells Fargo ground rent was paid to XXXX XXXX XXXX which changed their name to XXXX However when I spoke to them XX/XX/XXXX they indicated Wells Fargo paid them on XX/XX/XXXX. I am no longer with Wells Fargo and I need a record of all payments. 
The total to pay the ground rent pay off is {$1800.00}. I have been paying for years and without my consent paid out of my escrow. I need a record of my signature and the total payments over the years. I spoke with XXXX ID # XXXX with XXXX XXXX and she will send the statements to my address per my request as of today. XX/XX/XXXX. 

Let me know if Wells Fargo were authorized to take payment IN FEE for the ground rent or not..

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 2019-06-20
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX my SS XXXX-XXXX-XXXX DOB is XX/XX/XXXX. I live at XXXX XXXX XXXX XXXX, OH XXXX. please remove any other spelling of my name. I have some addresses that are not mines possibly fraudulent I have a exboyfriend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The follow number are not accurate please delete/remove they are not mine : ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern my name is XXXX XXXX and Im hoping I will be able to get some help because I am at my wits end. In a nut shell Ive had Ocwen mortgage company for about 15+ years I have always paid my mortgage every two weeks for two reasons first because I would not be able to afford the whole thing once a month and second because then it cuts your mortgage time in half from 30 years to 15years Now Ocwen was bought out by PHH mortgage services I was informed at that point that I should not send anything to Ocwen , to put my new mortgage companys address into my XXXX XXXX XXXX online bill pay which I did. 
I send {$510.00} every two weeks to the new address have never been late with the payment in my life. Now I start getting these letters from the new company first telling me they dont do this bimonthly billing I am going to be sent to the creditors theyre showing me I owe thousands of dollars which I dont. 
Then, I get another letter saying that they do have a flex pay program but it has to be on their terms the two times of the month that they want it to be and it has to be directly taken out Of my account and each transaction is {$2.00} which is XXXX dollars a month which is a joke and unaffordable I am XXXX years old on SSI less than a thousand a month and take care of my XXXX year old mom am terrified now that this new mortgage company took over that I will not be able to keep my payment schedule that I have had for over 15 years now and I am just so scared now that PHH will not work to help me keep things as they have been and that I may at some point lose my home. 
Please I am begging, is there anything that anyone can help me with to get this resolved before it is too late? 
Thank you so very much in advance for even reading this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months from my written request and I have not received any responses.

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 2023-12-01
Company: EQUIFAX, INC.
State: NJ
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 Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : XXXX XXXXXXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Collection XXXX XXXX XXXX XXXX XXXX ) XXXX Utility sent the inaccurate informations more than 60 days ago : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$10000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX address was not previous as stated by XXXX : see attachments for proof :XXXX XXXX XXXX XXXX XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted

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 2019-08-15
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and 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 2023-02-25
Company: Experian Information Solutions 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 list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First I closed my checking and savings account with Citibank in XX/XX/2021 due to Citibank false promise to me. When i closed, both accounts had positive balance. Citi issued me a check for the balance. Then a couple of weeks later, Citi decided to reverse all the disputes in the past and created a negative balance on my account. Each week, they added {$300.00} in negative balance. After a month, I suddenly owe Citi more than {$1000.00} in debt. They called every morning including weekend at XXXX asking me to pay or they would report my account to credit monitoring agencies. They should have not let me close the account if they thought I still owed them money. Otherwise, if they issued me a refund on my account, why suddenly changed their mind and reverse past dispute transactions that occurred 6 months ago. This is a tactic to try to rip off customers ' money when Citi knew they could not maintain a banking relationship due to their false promises.

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 2019-08-15
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Account # : XXXX I can not see the paid-off auto loan on my XXXX credit report. Please report it back on the XXXX, and it is not delienquent. The account had been Paid-off and on time.It is very important for me and I don't want mess up my credit. I have enough trouble already.

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 2020-01-21
Company: Experian Information Solutions 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:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. 
Please block the items in my credit report that resulted in identity theft. These items are erroneous and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-26
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, a fradulent transaction appeared as a debit on my account for {$59.00} from XXXX I subsequently disputed the transaction and contacted XXXX The merchant acknowledged the mistake and replaced the missing funds ( XXXX ), however there was never a provisional credit issued in this case. Chime simply took the funds that were replaced by XXXX I have wasted hours of time over the past two weeks attempting to make sense of this to the broken english operators and supervisors at chime to no avail. The new card says it was delivered on the the XXXX, but still has not been delivered. The funds are still missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 3rd REQUEST... 
XXXX : Creditor : XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX EXPERIAN : XXXX : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # 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 2020-12-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have no idea what theyre trying to collect but they call from multiple different numbers a day even after I told them to stop calling this number. Theyve also reported an account thats affecting my credit multiple times. Ive had it removed once and now it happened again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
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:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.

Company response to consumer: Closed with non-monetary relief