BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, includinXXXX 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-03-16
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2020-12-09
Company: Experian Information Solutions Inc.
State: TN
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 previously provided Experian court documents demonstrating my name was changed from XXXX XXXX to XXXX XXXX XXXX. Experian continues to list XXXX XXXX on my Experian account, although that name has not been used since the court order. Additionally, I have not applied for credit under the name XXXX XXXX since the court order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: SC
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:
n 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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:
SOMEONE STOLE MY ID ALONG WITH MY SOCIAL AND OTHER PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. I HAVE INCLUDED MY POLICE REPORT AND ID 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 explanation
Consumer complaint received 2021-12-29
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:
I tried reaching out to this bureau several times about accounts that do not belong to me and are reporting on my credit report. this information is fraudulent and i want it investigated and removed from my credit immediately!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
OnXX/XX/18I was charged with two nsf from citizen bank and I only see one. Also why are they allowed to charge me multiple nsf for the same day?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
Company: HOME FINANCING CENTER
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a Conventional Loan with Home Financing Center for over five years. I have been paying PMI the entire time. I did an appraisal to my home and i now i have enough equity in my home to remove PMI under that Conventional Loan rules and guidelines. I have made multiple attempts to begin the process to remove PMI but Home Financing Center refuses to start the process. Some representatives have asked me to email them documentation to begin the removal of PMI process and after i have done so, I have been totally ignored. Other representatives have blatantly informed me when i have called that they will not honor my request to remove PMI.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: LEXISNEXIS
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:
There is a XXXX XXXX credit card for {$200.00} hours Open XX/XX/2019 This account does not belong to me. Requested for it to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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:
There is a XXXX XXXX credit card for {$200.00} hours Open XX/XX/2019 This account does not belong to me. Requested for it to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Sold a side by side vehicle on XX/XX/XXXX and the Loan was paid in full using a bank check on XX/XX/XXXX to Synchrony Bank ( XXXX XXXX ). Debtor has called multiple times trying to get paid loan documents including a released title to give to buyer and their financial institution to no avail. Today gave permission to Synchrony to discuss account with borrower 's financial institution and they say again, as they always, to they will expediate request for title to be sent but it could take 2 weeks. This is unacceptable and they have been paid in full for 68 days. They couldn't even tell me who regulated them the FDIC or OCC or I would file a complaint with them as well.

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 2018-02-28
Company: LoanCare, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been notified by the Oklahoma tax commission on XX/XX/XXXX that our property taxes have not been paid. I called Loan Care XXXX our mortgage provider of the discrepancy on XX/XX/XXXX. We have all of our escrow up to date and paid with our payments. They stated on XX/XX/XXXX they tried to pay but the parcel wasn't in our name. They assured me they would handle it. I reached out to the Tax commission office and Loan Care had requested the tax letter at the beginning of XXXX which was mailed to them on XX/XX/XXXX. I have since called ( greater of four times ) and submitted the letter to Loan Care with no resolution. I know have received a letter from Oklahoma Tax commission office stating we would have a tax lien placed on our home if taxes are not paid in full by XX/XX/XXXX. When you contact customer service they typically make you wait long periods before answering. I have waited hours on the call back system they have in place. When I asked for a direct line I was told there wasn't want to give. When I called today I was placed on the phone with a supervisor who left her contact information and guaranteed a resolution in 48 hrs. XXXX XXXX XXXX XXXX. This is the second time I've been told 48hrs to resolve.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.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 2023-07-18
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have been trying to close this loan assumption with Mr Cooper Nationstar since XXXX. The buyer and I signed documents on XX/XX/XXXX and this loan is still not closed and the buyer is not able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
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 carried the company directly to get a hold of an agent. I get an automated system that gets me no where. I opened a dispute on there website and it doesnt Car Refinanced in my credit report. I got an alert from there company about the refinancing, but am unable to dispute the refinancing. I have contacted the credit union about the refinancing. They claim to have sent a report to the credit bureau. I have not received an email saying they have started an investigation

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 2019-03-15
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:
ftc violation sent it with the inaccurate information

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 2023-10-31
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Suntrust business account was transferred to Truist and then closed. When my account was with Suntrust it was under review for fraudulent charges but once it was transferred to Truist it was closed. Truist then submitted my account to XXXX XXXX  which prevented my from opening an account under my business and also prevented me from opening a personal account

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 2023-10-10
Company: M&T BANK CORPORATION
State: MO
Product: Mortgage
Sub-product: USDA mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
First of all, my first complaint was closed and never resolved. The mortgage company has successfully tanked my credit score and any future my family and I had. The fact that a mortgage company ( or ANY company ) has the ability to financially ruin a person is morally and ethically wrong.

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 2022-05-03
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Alorica Inc.
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I want to pay off my loan in XXXX large installments. However on XX/XX/2023, my original lender XXXX by XXXX XXXX informed me that servicing of my loan was being to transferred to Systems & Services Technologies , Inc ( SST ) on XX/XX/2023. ( Email attached ) According to XXXX, SST was to email me information about service transfer which would include the account number and ways to access/manage my account online. 

As of today, XX/XX/XXXX, SST has not reached out to me with a Welcome notice -- not by email, phone, or mail. I still do not know my account number or how to pay online. I have tried to contact them by telephone in order to prompt them to provide this information, however, they have a large telephone queue backlog during most parts of the day. As of XX/XX/2023 at XXXX XXXX XXXXhere was in a queue of XXXX customers with a wait time estimate of XXXX minutes. Clearly, it is very challenging to get this information which I am entitled to and should have been made aware of before XX/XX/XXXX. 

As I stated, I have budgeted to payoff this loan in XXXX installments ( roughly {$2500.00} each ) but I am on hold until SST does their part. The servicing transfer process has not gone as expected and I hope the CFPB can help with the Welcome notice so I can move forward with ending this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
There is a XXXX XXXX credit card for {$200.00} hours XXXX XX/XX/2019 This account does not belong to me. Requested for it to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is sadly the second complaint I've had to submit regarding my mortgage with Bank of America, which has now been paid in full. After a very long dispute process regarding the payoff, I learned that I had actually made an overpayment to my mortgage, and I was due to received a reimbursement in the amount of {$120.00}. To date, the refund has never been received. My mortgage was fully paid in XX/XX/2020, and it is now XX/XX/2020. 
I've attempted to contact the bank through their customer service phone number ; I've emailed ( and called ) a local branch manager, in addition to emailing an associate in the bank 's payoff department ; and I've also left two messages for the person with BofA who was handling my previous complaint filed with the CFPB. No one has returned my calls or emails. 
While I realize that the amount to be refunded my not be a huge sum, I would greatly appreciate some sort of response or an ETA for when I can expect to receive those funds.

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 2023-11-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting 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 sending to follow up on my previously submitted complaint dated XX/XX/2023, in which I detailed my unfortunate experience as a victim of identity theft. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I would like to reiterate the urgency of the situation and emphasize the imperative requirement for the prompt removal of fraudulent inquiries and associated information from my credit file. As stipulated by the mentioned section, Credit Bureaus are mandated to remove any items listed on an identity theft report not later than XXXX business days. I have enclosed, once again, the pertinent details of the reported issues, including the ID THEFT REPORT # XXXX for your reference. Additionally, I express reservations about the accuracy of the details provided by the Credit Bureaus concerning these items, as they remain unknown to me. For your convenience, I have outlined the specific items that require immediate removal from each Credit Bureau : XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Radius Global Solutions LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Radius Global Solutions have called my phone several time regards a medical bill that I dont know anything about. The charge is {$56.00}! I asked several time to verify that it was me and I havent received anything. They keep calling my phone and telling me that I need to pay this bill, lawsuits, garnishments etc. This is showing on 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 2020-12-18
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from 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