BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

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 2023-01-07
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-01-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018 Carrington Mortgages LLC approved me for a Mortgage Loan. My loan manager XXXX XXXX pre approved me for over XXXX dollars. I closed on a home on XX/XX/2018. My closing date was scheduled but it was changed four times due to inconsistencies of processing my loan application and mismanagement issues with the underwriters. I had three underwriters in the course of four month reviewing my loan. My closing dates changed four times. 

In fact, I was led to believe I was approved so I had an earnest money of XXXX XXXX dollars.deposit which I want in return for this issues and my loan manager not being transparent with me upfront that I wasted my time and money going through this burden past four months. 

My realtor told me that Carrington Mortgage LLC was going to return my deposit, I have not received it that's why I am writing this complaint I did not appreciate my loan manager speaking directly to my Realtor in reference to my loan and my medical conditions with the VA. During a conference call with the VA , my loan manager stated that I will not get a mortgage loan with another company due to what's in his credit report. I found this unprofessional and I was offended by this. 
This is unfair business practice and a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX I sent a letter to professional placement for verification for me for this medical bill without using my name and address they sent my medical bill after I received that letter I asked them to send me a release from for them to have that type of information because under the hipaa law no one should have that information only the hospital.after that they stop responding

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: UT
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 company just continues to fumble the ball on my complaints. Please see the attached. I filed a recent complaint about them not taking off 1 of the many expired student loans. Now they sent me a recent duplicate with all of the items being " verified as yours ''. I never disputed anything as not being " mine ''. I said they were outdated and should be removed per the FCA laws! They've been removed from XXXX XXXX and XXXX but Equifax continues to be confused over what a true dispute even means vs a request. They seem to only have one way of operating with no gray areas or flexibility in comprehending what consumers are asking for. I don't get the mentality at this company and for the life of me can not understand why or how they remain in business! No thanks to them not securing their systems properly they jeopardized our personal info, now they can't figure out who to adequately comprehend a request. So my request to this continuation of a problem that shouldn't exist is listed below. I continue to say this company is full of inept greedy people that have no ability to do anything right nor will they ever as long as they are allowed to exist. The scariest part is this company is still allowed to handle very confidential sensitive information!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the accounts that are erroneous in my file and need investigation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
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 have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Several inquiries on my consumer report without my consent/ authorization. Credit bureau claiming to not have received my previous Police Report nor my FTC Identity theft 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 2020-09-12
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This is on Professional Credit in XXXX XXXX. 
Ive made several attempts with XXXX XXXX in XXXX and XXXX. I asked for a detailed invoice statement to get a a loan from my XXXX at the company I worked. The first rep said she was sending a detailed invoice via email. She sends a broken link with no invoice. I call in and she lies claiming it takes a few days for the link to the invoice to load. It never works. I call back in and she claims she has to get authorization from her manager and never resends the link. I also asked for a paper statement she claimed that they they could never send that out. Now after several attempts by email to get my invoice and pay the amount in XXXX I finally received an e-mail in XX/XX/XXXX in the mail for paying the full amount Ive been making monthly payments on all along. 
This company is crooked and when you try to pay the debt they dont even answer at their call center or via email to pay. If you do get a hold of someone they are worthless for getting you the information you need This bill was {$1100.00} I payed down. It was a medical bill on my daughter who was premature born and had breathing & eating difficulties. They sued me in court for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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: Account information incorrect

Complaint:
the account that XXXXXXXX XXXX is reporting has been charged off therefore it should not have a balance it should not have a credit limit and it should not have a late payment ... also the dates on last day active are different, for transunion its XX/XX/2021 for Experian it's XX/XX/2021 and for XXXX XX/XX/2021 XXXX conclusin the reporting of Apple / XXXX account XXXX it's totally inaccurate you have to delete this immediately there's no way this should be in my credit 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 2021-05-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX  XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX - General Processors XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX Sales Financing XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2023-03-21
Company: Experian Information Solutions Inc.
State: PA
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:
In XXXX of 2018 a bill I had with XXXX XXXX XXXX was fully and completely dismissed ( I have the record confirming this ). Despite this, a collection agency began trying to collect on this bill later in 2018. 

Earlier this month I disputed the delinquent account with Experian. They updated my credit report, but instead of showing 'paid in full ' they updated it to say it was 'impacted by a natural disaster XXXX '. This was before XXXX. The bill was fully discharged. This is fraudulent. I am a XXXX veteran and they are trying to collect on a paid bill. Experian is complicit for not removing it.

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 2022-08-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
ON XX/XX/XXXX I SUBMITTED ONLINE PAYMENT FOR CONTRACTOR. I HAD TO SUBMIT TWO PAYMENTS DUE TO DAILY MAXX. {$5000.00} XX/XX/XXXX AND SCHEDULED XXXX FOR XX/XX/XXXX. ON XX/XX/XXXX CONTRACTOR TOLD ME I SUBMITTED TO THE WRONG PERSON. I CALLED BACK TO CANCEL. I WAS INFORMED THAT I WOULD HAVE TO FILE A CLAIM, I SUBMITTED CLAIM AND THE {$2500.00} WAS PENDING. I WAS TOL DIT WOULD TAKE 10 DAYS TO RESEARCH. I CALLED ON XXXX AND XXXX AND WAS TILD CLAIM STILL BEING RESEARCHED. I CALLED ON XXXX AND XXXX AND WAS TILD TO WAIT 10 DAYS FROM THE DAY I SUBMITTED CLAIM. XXXX I CALLED AND WAS TOLD CLAIM WAS DENIED ON ON XXXX. CHASE SAID THEY CONTACTED BANK ON XXXX AND THE MONEY WAS GONE. I ASKED WHY I HAD NOT BEEN TOLD THE CALIM WAS DENIED. CS SAID I CANT ANSWER THAT QUESTION. I WENT INTO BANK AND WAS GIVEN THE UPDATED DENIAL LETTER. I WAS SO CONFUSED ALL 4 DAYS NOONE SAID OH WE COMPLETED THE RESEARCH. THE TELLER PRINTED LETTER THAT CLARLY STATED CONTACT US IF YOU WOULD LIKE TO REQUEST THE INFORMATION XXXX. I CONTACTED NUMBER TO GET SOME ANSWERS. XXXX STATED I NEED A SUPENO TO REQUEST INFORMATION. CHASE WAITED 6 DAYS TO CONTACT BANK ABOUT FUNDS THAT WERE PENDING AND THE XXXX COULD HAVE BEEN RECOVERED. I WENT INTO BANK TODAY AND PERSONAL TELLER STATED OH LOOK AT WHAT IT SAYS WHEN YOU SEND PAYMENT. I UNDERSTAND IT WAS MY MISTAKE BUT SHOULD IT COST ME {$7500.00} THEY COULD HAD CONTACTED THE OTHER BANK SOONER. CHASE COULD HAVE CALLED CONTRACTOR HE HAD ADMITTED HE KNEW THE MONEY WASNT HIS. CS REP SAID I SHOULD HAVE SAID IT WAS FRAUD THEY WOULD HAVE MOVED FASTER. HOW IS THAT PROTECTING OUR FUNDS?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have reached out to Equifax 6 times about 2 old accounts that I had with XXXX XXXX XXXX. The account has been paid in full, and it is too old to still be reporting. They are reporting incorrect dates on this account and they are reporting that I made a payment on this account back in XXXX which is not true. They are also falsely reporting that this account is in a wage earner plan and it is not.I have also been denied credit numerous times because of these accounts. I am requesting that this account be deleted. Equifax is in violation of my rights under the FCRA and these errors are preventing me from obtaining credit. They also refuse to send me the results of the investigation that they claim they did. 

Again the errors are outlined as follows : Wrong dates Too old to still be reporting Has already been paid Falsely claiming to be In a wage earner plan Not providing me documentation of the investigation that they claim they did

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have consistently made timely payments without any instances of being late.

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 2023-04-08
Company: Experian Information Solutions 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:
I have identified items on my Experian credit report that is a result of identity theft. I filed an identity theft report identifying the information that is a result of identity theft. I have attached the identity theft report, appropriate proof of identity and proof of my address.

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 2021-11-21
Company: EQUIFAX, INC.
State: MN
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:
The XXXX XXXX Installment Loan Account listed on my XXXX and Equifax credit report for {$5200.00}, and that was opened on XX/XX/2021 is not my account. Its a fraudulent and unauthorized installment loan account. XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2021 is a fraudulent and unauthorized credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I Recently checked my credit profile and i saw Multiple fraudulent accounts and fraudulent inquiries. Those fraudulent accounts are XXXX {$18000.00} XXXX XXXX {$780.00} XXXX XXXX {$59.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$5200.00} XXXX XXXX {$360.00} XXXX XXXX {$1000.00} The following inquiries are fruaulent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I Have reached out to the furnishers and they each told me to contact XXXX, XXXX & Equifax. I have filed a FTC REPORT, AN IDENTITY THEFT REPORT AND A IDENTITY THEFT AFFIDAVIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Bank of America allowed an individual to deposit a {$2400.00} stimulus check into his individual checking account. The check was made payable to joint owners, but was subsequently deposited into the individual checking account without one of the joint owner 's authorization.

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 2022-10-02
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 with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX  XXXX 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

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My credit report is showing late payments to XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

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 2023-02-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violater my federally protected consumer rights ro privacy and confidentiality under 15 u.s.c.1681 XXXX XXXX 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 with out my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse items of information other then records of convicted of crimes which antedates the report by more than seven years 15. u.s.c . 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation