BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-18
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:
Their are closed accounts and inquires on my transunion credit report that are not mines I am a victim of identity theft Listing closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-11
Company: AMERICAN INTERNET MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold property on XX/XX/XXXX, Escrow closed Aimloan in full, meanwhile aimloan paid an insurance premium for next year ( XXXX ) in the amount of {$900.00} on XX/XX/XXXX. I had informed them that not to pay as I was selling property, So Insurance company ( XXXX XXXX ) returned the check back to Aimloan, because the account was closed. I have been contacting Aimloan insurance dept every week and there were no solid answers or action from them, I haven't received {$900.00} yet from them after 3 months. In my last conversation with representative, I was told that insurance dept mailed a check on XX/XX/XXXX, but it's almost 3 weeks now and I haven't received it, so I don't believe that it's really mailed. If you can help me to get my {$900.00} back would be really appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I filed a dispute in the regards of the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: MS
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to purchase a home and I noticed fraudulent activity on my credit report. 


Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
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:
My issue is with Transunion I disputed Three items on my credit report. Yet they have not responded with the results. Transunion will state the information was validated yet not provide proof. Futhermore I have contacted the collectors reporting the info and did not get validation per FCRA. The most recent letter I mailed to Transunion was XX/XX/2018 yet I have not recieved a response. I also included a letter for one collector stating they no longer have the debt yet the still report to Transunion. I have yet since XX/XX/2018 to recieve a response from Transunion with my follow up letters and info 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 2023-02-25
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX nc XXXX Investigation Request Letter To Whom it May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I spoke with my lawyer he said you have 30 days to complete this investigation. And remove these accounts that you knowingly know that are inaccurate under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Please investigate the following accounts and remove them Accounts Account Name : XXXX XXXX Account Number : XXXX Account Name : CHILD SUPPORT ENFORCEM Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Please remove and send me a copy of my updated credit report and all information that was used to validate each alleged debt I need to know the full steps that was used and all information proof of what was used to conduct this 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 non-monetary relief
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There is a public record on my credit file that I have been trying to get remove since XX/XX/2018. I have disputed many times via certified mail, online, and with CFPD. TransUnion Credit Bureau keeps reporting it and saying they investigated and XXXX is furnishing the information. Which is a lie! I have submitted proof that XXXX has removed it! This is the case number with XXXX XXXX that verify that they have removed it from their credit file. Trans Union is not up holding the law of the FAIR CREDIT REPORTING ACT!

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 2023-04-18
Company: EQUIFAX, 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:
I submitted a letter to the Equifax XXXX XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT and I'm including it again. 

Please verify this account : XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: LA
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:
After many tries to deal with this situation directly with the companies and credit bureaus to no avail, Im submitting this complaint in accordance with the Fair Credit Reporting Act These accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX ending in XXXX Account name : XXXX  XXXX # XXXX ending in XXXX Account name : XXXX XXXX  # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX *The above numbers may differ from actual records 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 States a consumer reporting agency can not furnish an account with my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, 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 ) states a person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2019-07-29
Company: Innovis
State: OH
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 XXXX XXXX XXXX XXXX, OH XXXX DOBXX/XX/XXXX SS XXXX My information is clearly shown above. After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the Credit Report and other furnished inquires regarding all personal information. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted XXXX, XXXX and Experian about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to 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 2021-03-11
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:
In late XXXX, a surprise adverse account was furnished to the credit bureaus ( Experian, XXXX and XXXX XXXX by a debt collector for a {$57.00} delinquent amount owed from XXXX to a radiology company. I was not ever informed of, nor do I recognize, this account. I have had good medical insurance and pay all my co-pays and deductibles at the office or when receiving bills. I have no other collection or adverse accounts reported on my file. I disputed the entry with all three credit bureaus and the debt collector quickly removed all notations. A few months later, the account appeared again under the name of a new debt collector. I disputed with all three bureaus : It was quickly removed. A few months later it appeared again under the name of a third debt collector. I've disputed and the notation was removed by two credit bureaus and XXXX says they are looking into my ( third ) dispute. I have informed the bureaus that this account, no matter the debt collector, is inaccurate. The debt collectors may be selling the account. The names of the debt collectors are XXXX XXXX XXXX, XXXX XXXX and 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 2021-03-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a follow-up complaint to issue XXXX, associated with a billing dispute. Citibank has not resolved the issue as implied in their response to CFPB. 

During the period of disputed charge with a vendor, Citibank has charged interest associated with that dispute. My most recent statement shows that interest was applied during this period. Citibank indicates the dispute is resolved ( vendor has provided credit ) but hasn't addressed the fees they inappropriately collected during the period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-05
Company: CITIBANK, N.A.
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 am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. Please remove immediately from my credit report. 

CITIBANK N.A. / {$850.00} POSTED ON XX/XX/2020 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CITIBANK N.A/ {$2400.00} POSTED ON XX/XX/2020 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Sincerely, 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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In late XXXX, a surprise adverse account was furnished to the credit bureaus ( XXXX XXXX and Transunion XXXX by a debt collector for a {$57.00} delinquent amount owed from XXXX to a radiology company. I was not ever informed of, nor do I recognize, this account. I have had good medical insurance and pay all my co-pays and deductibles at the office or when receiving bills. I have no other collection or adverse accounts reported on my file. I disputed the entry with all three credit bureaus and the debt collector quickly removed all notations. A few months later, the account appeared again under the name of a new debt collector. I disputed with all three bureaus : It was quickly removed. A few months later it appeared again under the name of a third debt collector. I've disputed and the notation was removed by two credit bureaus and XXXX says they are looking into my ( third ) dispute. I have informed the bureaus that this account, no matter the debt collector, is inaccurate. The debt collectors may be selling the account. The names of the debt collectors are XXXX XXXX XXXX, XXXX XXXX and 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 2023-08-09
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive attempted to call the number on the phone listed by the company, followed the promoted and its a dead end call no matter what option you chose. I tried every option possible, The prompt leads you to another set pre recorded messages and it automatically hangs up on you. 

Ive contacted the original creditor XXXX XXXX, notified them that my identity was stolen and this is where XXXX made aware that the account was open Washington State where I never reside in. 

I am following up with all 3 credit bureaus notifying them that this a fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 I closed a home on XXXX XXXX in XXXX, California, as the selling party. Quicken was the loan servicer. 

To date Quicken has not sent me the {$810.00} settlement check for the overpayment that I made at the time the loan was closed. I have attempted to contact them and just get sent from department to department. I have spent more than {$810.00} of my time trying to recover the funds that they are now illegally holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXXXXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2018-10-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX  XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation