BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
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: Information belongs to someone else

Complaint:
15 U.S Code1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt, it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS FROM THE consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN NOTICE to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

The Fraudulent Accounts are as follows : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  {$600.00} Enclosures : FTC Identity Theft Report Proof of Identity Request for Validation Letter Proof of Identity ( State ID, Proof of Residence ) Detailed letter of Identity Theft No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. 
WITHOUT PREJUDICE WITHOUT RECOURSE NON-ASSUMPSIT Without Recourse/ All Rights Reserved UCC 1-308 / 1-103 / 1-207

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 2023-08-03
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:
XXXX-mailed and a dispute is never opened up and no results. 
XXXX Open Date 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 2019-04-22
Company: New Mexico Educational Assistance Foundation
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Accounts with XXXX XXXX XXXX XXXX XXXX. XXXX were inadvertently changed on previous attempt of having NMEAF fix some errors on credit report. XXXX went in and disputed all accounts not just NMEAF. 

In response to the dispute the XXXX XXXX accounts were changed to Fail to Pay status in XX/XX/2019 which appears as a new collection and has dropped my credit score 52 points after the change took place. 

I have been working with XXXX at XXXX XXXX XXXX XXXX. XXXX she has tried multiple times to fix the PAYMENT HISTORY but has been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX I received a supplemental tax bill and an adjusted tax bill to the mortgage servicer. We had purchased our home in XX/XX/XXXX. 

I emailed my mortgage company as we have the dreaded impound account. I asked them if they paid these tax bills. The response I received is as follows : Please be advised, the mortgage servicer is not responsible for paying the supplemental taxes, it is the borrowers. However, if you would like Shellpoint to pay them, please forward your Supplemental Tax Bill along with your written request to this email address and Shellpoint will pay them. Please note, paying the supplemental taxes can cause the escrow account to be short since they were not calculated into the required escrow balance. Because we are not responsible for paying supplemental taxes, we will not be held responsible for any penalties that may be assessed due to late payment. 

Of course, this leads me to believe they are responsible for the adjusted tax bill as per their email. 

Based on that, I paid the supplemental tax bill on XX/XX/XXXX. 

Then on or around XX/XX/XXXX, I received a delinquent notice for the adjusted tax bill. I emailed the mortgage servicer advising them and they responded that it was my responsibility to provide them with the information as it was not reported on the Tax Assessment Roll Report. Well ... I did provide this to them on XX/XX/XXXX. 

By them not paying this adjusted tax bill, it resulted in a penalty of {$XX/XX/XXXX} which I believe they should be responsible for, not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report about 6 months ago and I noticed multiple accounts, names, and addresses on my report with all 3 bureaus that don't belong to me and I didn't authorize it. I believe I was a victim of a data breach through Equifax years ago. I disputed all the items and they still have not removed them. I filed an identity theft report and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX has seized my account for ppp loan. I sent in all docum Showing business owner. They stated not accepted. Please note this loan is 4months old. And has already been repaid. I sent documents showing forgiveness and amount sent to lender.. how can I qualify for loan and FORGIVENESS and XXXX  XXXX seize my account and label me fraud with the same XXXX receipts and tax forms. Im feelin attacked. They have closed my crdit accounts with them as well. Causing a negative credit rating. For a loan I no longer owe and definitely qualified for. They stated my funds in my personal account are being sent to lender but why would they do that if I have provided PROOF I have no debt with Sba! Its been forgiven. I have included the letter with seal and proof of no debt. Loan no longer owed!

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 2021-10-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My problem with Chase Bank i refinance my home on XXXX, in XXXX I stop some payments due to a marital separation, i make on Agreement with Chase, for the past 10 years i paying my Mortgage but, still have the same principal balance, and the money that I send is all for the interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted multiple dispute letters on XX/XX/23 and XX/XX/23 to credit first and the credit bureaus regarding inaccurate late payments on my credit first account. The late payments are still on my credit. This account is also reporting inaccurate last payment dates on my credit report which are violations of 15 USC 1681eb that demands all accounts must be accurately reporting at all times. I have attached proof of my letters from XX/XX/23 that I sent out certified mail.

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 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There are accounts on my credit report that do not belong to me. Please remove them from my credit report immediately!

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 2020-09-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA mortgage with Wells Fargo and was granted COVID 19 forbearance effective XX/XX/2020. I called WF on XXXX and asked about repayment options. After 2 hours, 3 reps, much confusion and 1 rep hanging up on me, I was told that I was not current on payments when COVID began, so they could not offer me ANY options for repayment. I was given a different number to call to " try to straighten out my account ''. Frustrated I decided to call in couple days. I have since verified that I made all payments and that WF took the payment out of my checking account. I have documented with checking account statements and cancelled checks. 

On XXXX, I received a notice by mail stating that I am currently in foreclosure and that WF is " actively pursuing foreclosure '' ( to this point I have not received any notice that I have any late payments much less at risk of foreclosure ) .The same letter stated that although they received my payments that they could not be applied to my account.I called the number listed on the letter and an hour later was able to speak with someone in the escalation department who says that they will research it, but that he can't stop the foreclosure process.

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 2019-04-23
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Citibank accepted a full mortgage modification package from me XX/XX/XXXX. As I have been dealing with my wife 's serious illness, I had no choice but to submit for a modification. Citibank  has never requested updated financials, and outright denied my application for modification without a written description of any problems. There should be no problem as my income is well within debt to income ratios. Then suddenly, I got served with a foreclosure action that was dated XX/XX/XXXX. This is a true violation of the amended version of the Fair Debt Collection Practices Act of XX/XX/XXXX. I had to file an answer to defend myself against the foreclosure action, and then suddenly Citibank sold the mortgage servicing rights to XXXX XXXX XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX. Citibank filed an illegal foreclosure action, as my mortgage is owned in a securitized trust. I have submitted two qualified written requests and to this date Citibank has refused to show the true ownership of my mortgage. Having not listed the true owner of the note VOIDS the foreclosure action. Citibank must show attachment on servicing and the right to foreclose. I will be submitting a request for a full investigation with the Federal Deposit Insurance Corporation, as these types of illegal activities must be stopped by national banks. The CFPB recently fined Citibank and its subsidiaries for this type of illegal foreclosure actions. I demand the foreclosure be ceased immediately by the succeeding mortgage servicer and for my modification package to be transferred and given full consideration. This situation is a mess caused by a horrible banking operation called Citibank. The American banking system is better than this and should show it with the American public.

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 2021-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX XXXX XXXX, and Portfolio Recovery Association. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$510.00}. The Account Opened is Portfolio Recovery Association Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Credit inquiries on your report that you don't recognize

Complaint:
Inaccurate inquires listed on my report : 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 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 2017-12-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I wrote a check {$110.00} ( check # XXXX ) from my citibank checking acc. to the  XXXX XXXX XXXX ( XXXX ) on behalf of my brother XXXX XXXX ( he is unemployment since XX/XX/XXXX and i am willing to let him borrow my money and support him daily basics including his passport processing fees ). On XX/XX/XXXX the XXXX send him a letter to deny the process his application because he owe child support. My brother called child support, and they ask him to pay about $ XXXX/month since XX/XX/XXXX while he is unemployment. The child support did not accept the fact that he is unemployment since XX/XX/XXXX. They enforce him to pay the old Court order with the amount when he was employed. Since his passport application was denied, the XXXX cashed the amount {$110.00} from my checking account on XX/XX/XXXX. We called the XXXX to ask for the refund, but the XXXX can not do the refund. We called the Citibank can not do either since the check withdraw in cash direct from the bank. I talked to the representative XXXX dispute units ID XXXX. If the XXXX can not provide the service, the check should not be cashed out from my bank.

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 2023-03-08
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: 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 INSTUCTIONS. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$300.00} XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$690.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX ) XXXX XXXX XXXX XXXX XXXX {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: Risecredit, LLC
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: Account information incorrect

Complaint:
Filed a dispute with XXXX Credit Reporting agency and company is stating that the balance remaining of {$290.00} is correct which it is not correct. 

Account referred to XXXX XXXX XXXX by RISE Credit of Tennessee, LLC for collections which I have been making payments to and I paid the debt " in full '' on XX/XX/2023. I've attached the " paid-in-full '' letter provided to me from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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:
I have identified information on my credit report that is a result of identity theft. These items are not related to any transactions completed by me. 

XXXX XXXX XXXXXXXX XX/XX/2019 XXXX XXXX XXXX XXXX I have expressed this concern verbally and orally to the reporting agency over 30 days ago.

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 2018-07-27
Company: Patrick K Willis Company Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Calls several times. Called in XX/XX/XXXX but have a voicemail saved from XX/XX/XXXX at XXXX. Uses the name Investigator XXXX XXXX and states he is an investigator and If a debt is not paid he will issue an order to have me arrested at my place of business unless I pay immediately over the phone. He has called and stated he was an officer and gave a false badge number. I called the police and asked if they do that and they stated no, they would not arrest someone for debt at work but, also, would not give badge number and threaten over the phone. I different number is used each time. The last time it was XXXX but stated to call back XXXX. I have spoken to this person and they scare you to pay immediately or they will have officers come to your place of business and arrest you onsite.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
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: Was not notified of investigation status or results

Complaint:
In XXXX of 2018 Incorrect information was on XXXX XXXX XXXX 's credit report due to a similiar name ( mistaken identity ) this information was disputed and removed. XXXX XXXX XXXX never received information in writing or electronic notice of the decision. XXXX XXXX XXXX would also request that a copy of his corrected and current credit report be sent to his lenders that have reviewed his credit report in the last 6 months.

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