BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, OH XXXX. I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX accounts yet only one is reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: ADIR INTERNATIONAL LLC
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:
In XXXX I was refinancing my home and this fraudulent account appeared on my credit report. I went to Curacao and was shown his profile picture and it was not me and was told to dispute it with the credit bureaus. I disputed this account with all three bureaus. In XXXX I was refinancing my home and this account appeared again but only on my XXXX  report. I have disputed again with XXXX. La Curacao refuses to report to XXXX that this account doesn't belong to me since there is information that doesn't match, for example my address, maiden name, middle name ( which I don't have ) and SSN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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 non-monetary relief
Consumer complaint received 2020-09-17
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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
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: Was not notified of investigation status or results

Complaint:
Victim of inquiry issue by TransUnion Credit Bureau, section 611 of the Fair Credit act failed to inform me re-recording credit breach negative inquiry.. TransUnion customer service would not help and take care of negative inquires reporting to my credit report. File no. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, OH XXXX. I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX accounts yet only one is reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 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 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 non-monetary relief
Consumer complaint received 2016-04-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PRESTIGE FIANCE COMPANY WOULD CALL ME AND HARRASS ME AND MY FRIENDS AND DAD THAT WERE ON THE APPLICATION AS REFERENCES. TOLD ME BORROW MONEY AND DONT PAY MY RENT TELLING MY FRIENDS WE KNOW SHE IS AT THE SALON GETTING HER LASHES DONE CALLING PHONES MORE THE 5 TO 6 TIMES A DAY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: LEXISNEXIS
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've disputed a Bankruptcy on my report and was told by the credit bureaus that they verified the information with Lexis Nexis. I called Lexis Nexis to dispute the information and asked how was this information verified. Lexis Nexis me they received the verification from XXXX   and the courts. I emailed XXXX  to inquire about this verification process and they stated they do not provide verification of consumer information ( as stated in my attached email ). This is not my account and I've asked for this to be removed from my Lexis Nexis account as well and all three of the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I recently reviewed my consumer report and I've noticed some incorrect and fraudulent accounts on my consumer report that should not be there. I was a victim of idenity theft and i need these fraudulent accounts removed immediately. 

1. XXXX XXXX XXXX XXXX XXXX. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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 am submitting this CFPB Complaint as a follow up to the previous Complaint I submitted requesting the deletion of the fraudulent accounts and information of of my Credit File. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} WRGT PATT XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX GA XXXX Bankruptcy XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please comply with the FCRA section 605b, and have the disputed items removed as soon as possible. If you can not find any documents to support the invalid claim that the disputed items belong to me, please remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Afternoon, My account has fallen deliquent because of covid 19 the pandemic and my servicer is Select Portfolio Servicing my account number is XXXX they would not work with me they tried to give me a payment plan of almost XXXX a month i can't afford that during a pandemic, how can they advertise " if you have been impacted by covid 19 we are here to help '' and then slap you with a years worth of interest and a payment plan double your normal payment, how is that helping?. I have asked them if they would waive the year long interest that accrued on the account due to the pandemic and I would refiance my property for XXXX that is all i can get to do so and that is all i would generally owe if I wasn't affected by covid, I tried to go to places that had mortgage relief funds from the cares act but they told me there was no more funds. How can Select Portfolio sit there and say they are willing to help their customers when they are not willing to waive the interest that accumlated on the pause of the payments, if the governor is going to allow the mortgage payments to be paused during a pandemic then they shouldn't charge the interest during that time either, Can the CFPB help with getting this resolved this should not be allowed, I want to pay my mortgage off with a refiance and pay exactly what I would owe them pre covid which is XXXX can you help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF 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 2023-02-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX2023 I spoke with a representative at Transunion and ask to dispute some things on my credit report which he did allow. However, when I told him that I would like to dispute some inquires I was told that I can not dispute inquires and I will have to call the creditors and ask for a letter of deletion and send the letter to them if I wanted to have an inquiry disputed.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. XXXX XXXX Balance : {$12000.00} ; XXXX XXXXXXXX Balance : {$8900.00}

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 2020-09-17
Company: Veros Credit, LLC
State: OK
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:
I got financed for a used vehicle that totally broke down after a month of getting it. 
I volunteered to get it repoed. They cussed me out and continued to threaten me to pay on it even though I couldnt drive it and said they arent going to put it as voluntarily. 
The remaining balance is incorrect. All the numbers are incorrect. 
They continue to bash my credit month after month after closing my account. They wont talk to me and keep hanging up on me. Its Veros credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN 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 2022-12-18
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
At the end of last year I opened a Bank account with my Ex at US Bank. When asked if we wanted Overdraft protection we declined and and specifically told the banker that if there was not money in the account we did not want our cards to allow any purchases. When we separated I stopped using the account and my ex continued to use the card and was able to use the card even though there was no money in the account and we accrued several over draft fees. The mail was going to his house and he did not check it or know that we had an outstanding balance. The account was sent to collections and dropped my credit from a XXXX to a very low scored. When I have gone into the bank or called, everyone acknowledges that we signed documents declining overdraft protection but has no way to help us. The late fees have accrued to such a high amount that I am drowning and have not been able to pull it out of collections which will make it very hard to find housing when my lease is up. I am completely lost as to what steps to take and the institution has no solution but to make me pay which I do not feel is fair or legal. The closed out the checking account and put the balance on a reserve line of credit that we never signed for.

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 2023-11-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I expressed to the company that they are continuously violating my right according to FCRA 1681 B.

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 2023-11-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I paid a lump sum principal reduction payment in XXXX. This was inappropriately applied to my XXXX mortgage payment. This inaccurate distribution has been perpetuated on the XXXX payment, the XXXX payment, and the XXXX payment despite several complaints via both email through secure messaging and speaking to Chase representatives personally on the phone. I have sent several emails stating the appropriate distribution of funds and XXXX months later this still has not been corrected.

Company response to consumer: Closed with explanation