BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
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:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-11
Company: EQUIFAX, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home in 2001 at {$150000.00} with one company. Over the years our mortgage changed hands a number of times and has ended up with Select Portfolio Servicing. We had one situation where we ended up in court to save our house. We have been doing pretty well until recently. 
I have tried numerous times to get answers as to why the numbers don't add up after 20 years. They say the balance is {$140000.00} which I find hard to believe that after 20 years we have only paid {$13000.00}. Every person I have talked to can't or won't give me any answers. 
I never talk to the same person and I can never get a hold of my Relationship Manager assigned to our account. We are currently 2 months behind and they are threatening foreclosure action again. They have left notices on our door saying that they have tried to contact us, which they haven't. We don't want to lose our home but, it's going to take some time which they don't want to give us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: GA
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or the list of inquiries 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 an 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 or 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 to any 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 non-monetary relief
Consumer complaint received 2021-07-13
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX and Trans Union are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do 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 2022-09-01
Company: Experian Information Solutions 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 am disputing fraudulent accounts on my credit report. This accounts were opened in 2017 when the XXXX breach occured. I've been contacting the 3 credit bureaus monthly trying to get a resolution but Experian refuses to reinvestigate and XXXX and XXXX continues to update the account without providing anything contract bearing my signature. I'm requesting that these accounts be deleted from my credit report within the next 4 business days.

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 2022-09-01
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:
XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Experian and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do 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 2022-09-01
Company: EQUIFAX, 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:
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay Servicing stated verbally on a recorded line, that if I agreed to the trail modification and made 3 consecutive payments during the trail, I would be granted a permanent modification as well as debt forgiveness. I owned over 100k more than what my property was worth at the time and it made reasonable  sense to agree to the modification with the stipulation that I would be granted debt forgiveness, that would forgive XXXX from the loan. I fulfilled my end of the agreement, made XXXX consecutive payments but, Fay Servicing did not fulfill their end on the agreement and was told that, they could not honor the agreement and grant debt forgiveness that would forgive XXXX from my mortgage, thus bringing my mortgage amount to reflect current value because my property is not located in the state of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent multiple letters to them about this hard inquiry I haven't made ive send everything they asked me to send via mail and fax I still got a proper response

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 2021-09-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased what was described as 2 calfskin leather purses, being sent from XXXX XXXX. I purchased them from a vendor on XXXX. I payed using PayPal credit. The amount was {$640.00} on XX/XX/2021. When the items arrived, they were plastic, horrible smelling knock off bags sent from XXXX. The vendor had closed their on line store through XXXX so I was no longer able to reach them. I disputed it through XXXX, who did confirm it was fraud. However they said bc I purchased through PayPal I had to deal with them. The first people I dealt with at PayPal said yes, it looks fake, and to return the items. But the return address they gave me had only a city and province in XXXX. No address or name. PayPal customer service kept telling me to just send it, as long as I have a tracking number it doesnt matter. But the post office cant send a package with no name or address. They even made me get a note from the post office saying that. Then they passed me off to the credit department, synchrony bank. They closed the dispute twice stating, you didnt return the items. I kept saying you guys refuse to give me a return address! So I opened the dispute for a third time. I never get any of their correspondence mailed as they are supposed to, but I just got a delinquent notice emailed. I opened it to see that they denied my dispute again stating the seller sent in his policys and it says I was to deal with him. I have no contact to reach him, the on line store was closed! So how could I reach them? Further this was already deemed as fraud by XXXX and PayPal ( when they said I just needed to return the items ). Synchrony banks response also said that the proof given by the seller was attached, but it wasnt attached. PayPal/synchrony bank has the sellers contact information, has never provided it or asked for a correct return address. This has been the most ridiculous experience. I have spent so many hours over the months on the phone trying to deal with it and ultimately end up sobbing because Im so frustrated. I will happily return the garage merchandise, I need an actual return address, but I refuse to pay over {$600.00} for plastic garbage from XXXX with paint all over 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 monetary relief
Consumer complaint received 2018-02-05
Company: Total Card, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in regards to my available credit was updated due to I made a payment of {$330.00} on XX/XX/XXXX, which is the due and was made before XXXX so the payment would post the next business day. I checked my credit availability on XX/XX/XXXX online and only the balance was updated and not my credit. I contacted customer service and the representative told me that my account was closed because my payment was past due which was incorrect and was not due until XX/XX/XXXX. I informed the representative that I made a payment of {$260.00} between XX/XX/XXXX-XX/XX/XXXX by check and the payment has normally posted the next business day when I made payment by check and becore XXXX and this time it did not happen and was told it will take 10 or 14 business dsys to post. I gold the representative the payment has already cleared my bank and she advised if i can get a letter from my bank zhowimg the amount XXXX has cleared it can still take 5-10 business days to post to the account, which I still could not understand. So I asked the representative if she could just stop the check payment/reverse it so that I can make a payment with my check debit card. I did not make a payment with my debit card the first time because you can't make a payment until after 5 business days ypu made your last payment eith that debit card. So the representative told me to contact my bank to have them stop payment on the check because I wanted my payment to post right away. I wasnt late or past due because my payments are due the XX/XX/XXXX of the month. I was never advised of my acvount status via email which they have contacted me before when my credit card was compromised by XXXX. Then I requested to speak with a supervisor by the name of XXXX and she told me my acvount was closed due to the payment eas reported by my bank as unauthorized. I informed the supervisor that I did not and reauested that she listened to the revorded call I had with the represenative when she advised me to contsct my bank to stop payment on the check. The supervisor then stated that I would need to get a letter from my bank statimg the request was only a stop payment but that does not guarantee my credit account would get opened back up it wpuld be up to the underwriter. I stated to the supervisor that is not fair and how could you close my credit card acvount without contacting me by email or phone call and I have not received a letter to make sure this was an error and would close my account after I have bern with them over 4 years. The supervisor then begin to say they have the right to vlose my account, and did not attempt to escalate but would rather lose a consumer with false imformation and not sympathizing but only making the company look justified in what was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 XXXX XXXX XXXX  Bankruptcy : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX XXXX  bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Second request : I submitted a request for collection agency XXXX XXXX, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said XXXX XXXX is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.

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