BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

I told the XXXX, Transunion, and XXXX to remove these fraud accounts listed in the FTC complaint and police report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 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 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.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
THE DISPUTED ACCOUNT ARE DISCHARGED BANKRUPTCIES THAT ARE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THIS ACCOUNT IS HURTING MY CREDIT TREMENDOUSLY AND I AM REQUESTING IMMEDIATE REMOVAL FROM THE THREE REPORTING CREDIT BUREAUS.

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 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/23 XXXX PT - Received credit report alert from XXXX and XXXX that Capital One ran a credit check on me XX/XX/23 XXXX PT - Called Capital One to investigate and they confirmed a credit card application was received that morning ( XX/XX/23 ). They cancelled the application immediately. 

After submitting this complaint, I will be reaching out to XXXX, XXXX and XXXX to apply for an extended fraud alert, as well as filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: New Hampshire Northeast Credit Services, Inc.
State: MA
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:
hospital terrible does't help me and put my score down and put my name in collection, i went in hospital because i was XXXX  and i had XXXX  XXXX, the hospital no accepted my XXXX because of Michigan, said i don't have job i i can send the letter of bridges organization about XXXX  XXXX, the hospital put my name in collection and i called and can pay just XXXX the collection very rude, i explained about corona virus my situation she told to me i have another debts and she will put another in collection the name of company NH / NE CREDIT SERVI

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Blockchain.com, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Imposters posing as XXXX XXXX ( XXXX XXXX ) defrauded me of {$150000.00}. My hard earned money was converted into bitcoins that were transferred from Blockchain.com to a fake website called XXXX. Blockchain.com team says that I was in control of the wallet and that they reported the issue to their security team. 
I can provide details of all transactions and even filed complaints with XXXX, XXXX, local police and Secretary of State of GA. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Selene Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Indiana XXXX XXXX made a payment to Selene Finance to cover my mortgage arrearages. 

Instead of my loan becoming current, the mortgage company did not apply the payments to my arrearages- yet Selene Finance charged me thousands of dollars of fees that have no explanation. 

I have reached out to them in writing- via email and via telephone. 

I have not received any communication of this issue and the fees keep getting added to my loan. 

Additionally, the XXXX XXXX XXXX has not been applied to my account. 

There are fraudulent incidents continuing to take place with Selene Finance Mortgage Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had prepared ourselves to present a modification package to Carrington Mortgage when we received a modification offer from Carrington Mortgage by a person that we believed to be an employee of Carrington Mortgage and later found that he was a *middle person whatever that means. 
What is means to us is the Person XXXX XXXX aka XXXX XXXX - office ( XXXX ) XXXX Mobile ( XXXX ) XXXX contacted us on : I am reaching out to present loan modification terms on request from Carrington, please advise if your client is interested in the terms below. 

XXXX Good faith payment XXXX Principle Balance 4 % for 40 years {$1400.00} PI $ XXXX 5 month Trial There was an agreement of {$10000.00} down payment XX/XX/XXXX, 5 payments of {$14000.00} and - {$10000.00}. after the last trial. 

He requested that the proof of funds be submitted by the end of the month. Proof was submitted. 
We submitted the proof of funds, XXXX XXXX would not respond to any e-mails or phone calls. Finally we reached him on his cell phone. All of the time wasted we could have submitted all necessary documents to qualify for a loan modification. Some type of workout. XXXX XXXX stated that it was necessary to send any documents because the offering was a stream lined modification. From XX/XX/XXXX until yesterday XX/XX/XXXX we have been anticipating a loan modification with the terms just explained in this letter. 
While in conversation with XXXX XXXX he stated that a letter of denial was sent out, no one received any letter of denial. I asked why he said he did not know. 
I called carrington Mortgage and they know very little about all that has transpired????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, 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:
please correct the ftc violations and FCRA vioaltions correct the late payment with XXXX XXXX and fixed the collection FTC vioaltion not mine remove all the names

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On Monday, XX/XX/XXXX I called to apply for a Bank of America Merrill+ Visa credit card and was told that my application required further review. I called later that day to follow-up and see if I could speak to someone about the application and they went through all of the disclosures over the phone and said I was approved for a {$5000.00} credit limit. I asked to move over {$7000.00} from an existing credit card account to increase the new credit card limit to {$12000.00} and that request was also processed. I saw the new credit card appear in my online banking list the next day and I was told that the card would be mailed out immediately. Two days later, I get a call from Bank of America to tell me that the credit card was no longer approved and that they were closing the account. I was confused because I was told that the application was approved and was given the credit limit. The manager XXXX XXXX went on and tried to explain that the application should not have been approved because I had enough Bank of America credit cards. I offered to close one of them in exchange for leaving the new Merrill+ card intact. I had not violated any of the terms and conditions of the offer of credit or even had a chance to use the new credit card, so it 's unclear if the justification that Bank of America provided for closing the account is sound or even legal. The application reference number is : 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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent these companies to investigate these inaccuracies on my consumer report via certified mail. They have continued to ignore this matter, your company has not fixed issue. It is still reporting inaccuracies on my consumer report. These companies are direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company as requested in my letter. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  XXXX I have attached copies of my consumer report showcasing the innacuries and as proof on my defense that I have disputed these accounts with these companies. 

Sincerely, 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 2018-08-27
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 

Please also stipulate for the record whether or not my loan has been securitized, and if so, the name of the REMIC/Trust my loan is bundled with. 
6 ) If my loan has been securitized, then please provide me the pooling and servicing agreement that names my loan as well as any documentation that explicitly gives you the right to service my loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from me despite my request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are incorrect, and they are adversely affecting my livelihood. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
address wrong:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 

accounts not mine XXXX XXXX XXXX  dept of ed/ XXXX  (all)
XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu (all)
XXXX XXXX XXXX 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 2023-04-01
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill was already paid and it was set up as autopay. 
I dont see any amount I still owe from XXXX XXXX they have to send this to the collection! If I was paying them through autopay! 

I am trying to build my credit to buy a house! Then this happened! So my credit score will definitely go down!!!! 

If I have a lawyer I will sue them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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. 

Account name : XXXX XXXX XXXX ( XXXXXXXX XXXX ) Account name : XXXX XXXX XXXX ( XXXX XXXXXXXX ) 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 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 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 2018-08-27
Company: EQUIFAX, 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:
I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them. I contacted Equifax and they told me it would take 30 days, however the Fair Credit Reporting Act says the accounts must be verified or blocked in 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04
Company: Rossi Law Offices, Ltd
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from Rossi Law Offices , LTD in the amount of {$41.00}. I sent out payment immediately as they were claiming to be collecting a debt for the City of XXXX XXXX. Payment was mailed by check the first week of XXXX in the amount of {$41.00}. The so called law office failed to cash the check and has now sent a bill for a slightly different higher amount. This debt was a debt that my ex-wife should have paid as a result of our divorce. This debt collector is playing games. It appears I will need to put a stop payment on this check and who knows what they did with it. A quick search on the internet demonstrates this is their MO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: IN
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:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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