BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 account is reporting inaccuracies displayed on my credit reporting such as dispute status, account balance and past due balances I requested a factual dispute, documentation via email, and proof of validation of debt, I requested a MOV which was never received for this alleged account but this account continues to report these inaccuracies listed above

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 2020-04-26
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 XX/XX/2019 XX/XX/2019 these dates are fraudulent activity. im disputing these accounts with the intent to remove this

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 2021-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Im filing a complaint in regards to fraudulent activity/information on my reporting on my credit report. XXXX XXXX with account number XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) reporting on XXXX and XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) on XXXX and XXXX doesn't belong to me and lastly, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX doesn't belong to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CBC Companies, 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 fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've made several attempts to receive a copy of my credit report via online and by phone. The security questions will never identify me because the questions are not relevant to me or my credit history. I requested a report in XX/XX/2019 by phone and Equifax sent me a copy of my son 's credit report. I've also submitted a complaint via the annual credit report website about the security questions. I did not receive a response. However, I did receive an email from Equifax regarding credit monitoring. I received the email after filing an identity theft report in XX/XX/2019. I am convinced that Equifax is purposely denying my access to the credit report because of the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: BB&T CORPORATION
State: AZ
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 did not authorize these companies to pull 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 2019-05-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've become a victim of identity theft and my Chase account, my XXXX XXXX account, my XXXX XXXX creditcard, and my XXXX  XXXX XXXX  account n CREDIT card account and my XXXX XXXX  account and also my XXXX XXXX account were all comprised and I haven't been refunded any of my money back.. I've provided my FTC IDENTITY THEFT REPORT, MY LOCAL POLICE REPORTS AND NOTHING HAVE BEEN RESOLVED YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Experian Information Solutions 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:
Around XX/XX/2019 I've submitted my dispute letters to XXXX, XXXX XXXX, and Experian, but also the collection agency XXXX XXXX XXXX XXXX XX/XX/2019 I received a letter of correspondence from XXXX stating that my concerns were reviewed yet the item is still on my XXXX   report and my Experian report. On my XXXX XXXX report the account has been closed and this occurred XX/XX/2019. None of the companies have provided me with any proof that I have a contractual obligation to pay collection agency, no contract bearing my hand written signature on it at all. 
my ability to get things accomplished due to these companies willful non compliance with the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and 7. The  credit reporting agencies MUST provide me the method of verification information within 15 days of my request, yet this hasn't been done either. Enclosed will be all the documentation that I've sent and received so far. Also I'm enclosing a screenshot of my XXXX XXXX XXXX XXXX credit update as proof that the account has been closed.

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 2019-05-17
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 XXXX, XXXX and Experian are not responding to my requests to investigate and remove accounts from my credit reports that were opened fraudulently.

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 2019-05-17
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I did a balance transfer in the amount of XXXX and I send it to TD bank to pay off my credit card and on XXXX the XXXX I was received and TD bank has place this funds on hold make me unable to use my credit card and any future payments I made to this account will on hold in the future I also made a payment in the amount of XXXX and again they put this payment on hold they wouldnt call both of my banks to verify the funds has clear and I offer them the phone numbers but they refused to call my banks and Im stuck with only XXXX dollars on my credit card vs XXXX limit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
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: Reporting company used your report improperly

Complaint:
I haven't received any supporting documents stating this alleged debt on my consumer report. Some of the accounts came back verified in investigation but with no explanation on how the debt came back verified. It is unlawful to keep these accounts on my consumer report if they are coming back unverifiable. Additionally, I have put in complaints to the XXXX to remove the accounts. The accounts say they notified the reporting agencies, but the inquiry is still 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 explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To Whom It May Concern, Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new car and these items wont get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: MI
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 disputed this account with XXXX and Equifax twice due to concerns that I never had account with XXXX XXXX and they failed to verify this information with a signed contract. I have never received a bill or a contract that says that I need to pay this debt nor have I signed anything for agreed to anything regarding this account. 

To date XXXX has not been able to validate that this account is even mine. I have tried to dispute this account multiple times in hopes that they would comply with the Fair Credit Reporting Act and I have been unsuccessful in my requests for them to validate this account. 

I have also tried to dispute this account with Equifax and have been shoved to the side and not attended to. Equifax has not even replied to my dispute and request to validate this erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: EQUIFAX, 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:
Hello, My name is XXXX XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identify theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Fraudulent accounts are reporting on my credit report 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 2020-04-26
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted the lender upon receiving a notice In The mail stating that. I was in debt to my escrow account by the amount of {$3200.00} as stated by the representative. Now as of XX/XX/2020 I have another letter sent out stating my new payment will be {$2000.00} vs the {$940.00} I initially signed and agreed for. I am extremely confused and concerned and have found no help or results by contacting the lender, not to mention the agent XXXX XXXX whom informed me with false information and claims during the entire process of purchase.XXXX mislead me and lied to me over many occasions and betrayed my trust as I deemed him as a professional in which in fact he was not!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Tribal Lending Enterprise, Inc.
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mountain summit Financial attempted to collect a debt from me which I never applied for nor did I receive any proceeds from. I attempted to resolve with them via phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As requested I emailed complaints@mountainsummitfinancial.com and did not receive a response. On XX/XX/XXXX they sent me an email asking for multiple pieces of information. Due to the fraudulent nature of this situation my local police in XXXX XXXX NJ directed me to enter a Identity Theft report with the XXXX XXXX NJ Police Department ( phone-XXXX ). The Case Number is XXXX. The police have instructed me to not provide any additional information to Mountain Summit Financial at this time. I can get no resolution to my situation. When I call they insist I email and my emails go unanswered.

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 2019-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Hello, I feel the need to reach for assistance from CFPB because there has been several unauthorized transactions in my personal Bank of America account. I filed a claim with back of America claim department back in XX/XX/2018, when I had first noticed the major decrease in my balance. The bank had temporary put back the {$1000.00} that was removed from about more than 40 unauthorized transactions. The bank later reached out to me, stating that my money was going to be removed again due to lack of evidence that these transactions were fraud. So I then filed a police report for identity theft and contacted the company that these transactions were being charged with my personal bank card information, which was XXXX, food delivery app. XXXX was able to locate more information of these transactions, like the phone number, address the food was delivered, and names. XXXX would not release information to me " due to safety '' as they stated, however they did mention XXXX will cooperate with law-enforcement for further investigation. So as evidence I then sent back copies of the emails I had with XXXX along with a copy of the police report to the Bank of America claim department. After this the bank continue to refused to replace the money which in the first place was unauthorized to be removed. I filed a complaint with XXXX   XXXX XXXX and as a result Bank of America replaced only XXXX back into my account. Which I found very insulting that Bank of America considered that a fair and reasonable resolution to this matter would be replacing {$110.00} out of the {$1000.00} that were removed without my authorization. Bank of America refuses to take responsibility for the protection of my money that was lost. Unauthorized transactions began on XX/XX/2018 and continued through XXXX till XX/XX/XXXX, which was when the last transaction was made before I canceled my bank card.

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 2019-05-17
Company: WESTERN UNION COMPANY, THE
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I have been a customer for Western Union from a year XXXX. Within the last three years I realized Western Union to have a problem with my XXXX name ( Originally from XXXX ). With good faith and under company request I provided the company with every Identification document in my possession including copy of passport, State ID and official XXXX XXXX XXXX XXXX ID ( My worker at the time where I work as XXXX XXXX ; separated on XX/XX/XXXX ) and the company a apologized before. However, the problem still going on. Because of the month of XXXX ( XXXX XXXX XXXX XXXX XXXX ) On XX/XX/XXXX - I used the company 's online app to transfer Money ( {$200.00} ) to XXXX ; and based to company 's website/app the money should be there in 15 minutes with extra fees of ( $ XXXX ) I have paid. The company was able to access my bank account and withdraw the money and the fees with total of {$210.00}. 
Shortly, after the submitting the online transfer I received a confirmation of service, then an email notifying me for security I have to provide more identity documentation, so I did. However, after three days I request cancellation and refund of my money. 
On XX/XX/XXXX the company sent an email confirming two action at once completed the transaction and cancellation. 
More days later the company has deposited the amount of transfer in my bank account and kept the fees. 
I believe under supported records this company is discriminating, holds negative information about me which is not correct Please, your help and if I could have the rights to sue this company Thank you XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My mortgage with XXXX was sold to XXXX in XX/XX/2019. I was fully upto date and on time with payments to XXXX. I have continued to be on time with payment to XXXX. However Transunion dropped my credit score by 55 points due to the change in accounts. This is completely  unfair. I am making all of my payments on time and am still being penalized for something beyond my control- the selling of my mortgage. 
I spoke with a manager at Transunion and he said there was nothing they could do. 
I spoke with XXXX and they said they do not report to credit agencies unless the payment is late. Again this is categorically unfair to me. My score is being docked for something beyond my control and I am doing everything in my power to retain a good credit score. I was looking into purchasing a vehicle and helping my daughter purchase a house, but now that my credit has plummeted I may not be able to or if I can the options will be limited and I will likely have a higher interest rate on any loans due to this credit rating issue. All I want is for my credit rating to be restored.

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 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Upon reviewing my credit report with Trans Union ( pg. 5/12 ) company by the name of XXXX XXXX XXXX placed a collection for XXXX XXXX XXXX onto my report. I was never notified by phone nor mail from this collection agency. Upon further review XXXX XXXX XXXX placed this collection datedXX/XX/XXXX. 

ISSUE : On XX/XX/XXXX I received a cancellation notice from XXXX stating that this policy would expire on XX/XX/XXXX at XXXX XXXX. ( See upload ).

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 2023-02-24
Company: Diversified Adjustment Service, Inc.
State: AL
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 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 an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation