BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX/XXXX  XXXX, XXXX/XXXX  XXXX and 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 2020-09-08
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:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have written and mailed letters to dispute inaccurate information on my report for several months recently and have not received responses from any of the 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 2021-02-10
Company: Experian Information Solutions Inc.
State: NY
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:
Hello I submitted multiple letters on some unauthorized inquiries on my report. I did my due diligence on everything and contacted the companies. Please find attached a FTC report I submitted for these unknown inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: AZ
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX XXXX XXXX allowed XXXX to withdraw XXXX from our card. 
Contract with XXXX ended in XX/XX/XXXX, all equipment was returned. hadn't, heard from XXXX that we owed them any money from XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX  card used was never a card on file with XXXX, They were not authorized to use this card, they retained the cards info from a time that we used it to pay a bill. XXXX XXXX began an investigation, we submitted our documents showing this was fraudulent charge. XXXX returned our money to us on XX/XX/XXXX. We thought that was the end. XXXX took the money back XX/XX/XXXX and told us the investigation wasn't complete. This money is our total income, XXXX was never authorized to use this card, XXXX concluded the investigation XX/XX/XXXX and we still dont have our money back, not to mention when contacting XXXX, they cant even find us in their system. We didn't dispute the fact that we may owe XXXX money, we disputed the fact that this was not the card on file that XXXX had, they were NEVER AUTHORIZED TO TOUCH THIS CARD! XXXX XXXX is bogus they let anyone use this card and they dont return our money leaving us with no way of feed our kids or pay our bills this month. This is the 2nd time. XXXX still cant find us. XXXX needs to return our money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received a letter from XXXX XXXX that my application for XXXX XXXX XXXX XXXX card needs more info to complete the application. I Have never for such a card although I do have and use an XXXX XXXX credit 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 non-monetary relief
Consumer complaint received 2019-02-23
Company: Security National Automotive Acceptance
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From XX/XX/XXXX until XX/XX/XXXX I received multiple calls a day from SNAAC in an attempt to collect a debt. Sometimes they would call three or four times a day. They even went so far as to call people that I used to associate with even though I have told them in the past only to call me. These calls are disrespectful and disruptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: TX
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 began disputing a negative item XXXX XXXX  XXXX XXXX that was reporting on my Experian credit reporting account in XXXX. I disputed through written communication on the following dates : XX/XX/XXXX ; XX/XX/XXXX and XXXX.I also filed a previous complaint to the CFPB ( XX/XX/XXXX ) for resolution and nothing was done to assist with this matter I never received any resolution with my disputes with Experian. I then sent a XXXX letter directly to the company XXXX XXXX  XXXX XXXX with no reply STILL to this date. I request immediate deletion

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 2020-09-08
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the day of XXXX, XXXX, XXXX, I received an email from Chime bank notifying me that my account has been suspended. After complying with numerous requests to verify my identity, two months later I received an email " terminating our relationship ''. Contacting this institution is sysiphissian. The only people with authority to speak on the matter are email only and the last ten emails have been automated response. I have done nothing but comply to their requirements. I was entitled to UEI, which was fine for the first few weeks. Then I received a lump sum for back pay, 12 weeks and this is my current situation. Currently I'm in the XXXX to be married. I left the XXXX of XXXX. Received my last UEI payment XX/XX/XXXX. Have not collected it while overseas. The inconveniences, distress and trouble this situation has caused in my life is immeasurable. I chose post taxed deposits. As - XXXX $ XXXX. XXXX $ XXXX. 

XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ final payment. 
Balance at closure XXXX XXXX 

Any information you need in this matter I will be happy to provide. Thank you for your time. 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
I would like all of my unauthorized inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting 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 non-monetary relief
Consumer complaint received 2023-07-10
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: Account status incorrect

Complaint:
We have been dealing with Equifax and XXXX XXXX 's intentional aggressive negative reporting for lowering of scores for paying off debt. They are consistently lowering scores for any reason while, XXXX is steady. 

When we address this with Equifax, they immediate increase the credit scores. I have has to ask XXXX XXXX to investigate accounts and remove accounts. 

They are scamming consumers with fake and aggressive score lowering and finding any reason to lower scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was contacted by, what I believed to be XXXX XXXX, " the Company, '' regarding a potential 'work at home ' position. I applied, went through the " hiring '' process and was " hired '' by a supposed representative of the " Company. '' ( Exhibit A ) I received and signed a Non-Disclosure Agreement and Appointment letter on XX/XX/2020 ( Exhibit B ). 

The Company sent me a check for {$2800.00} ( Exhibit C ) to purchase home office equipment of their specifications. I was told to deposit the check, then purchase XXXX gift cards to make the office equipment purchases through XXXX because of " their supposed discount agreement with eBay. I deposited the check into my US Bank ( the " Bank '' ) account on XX/XX/2020 and US Bank made the funds available to me on XX/XX/2020 ( Exhibit D ). I purchased the XXXX cards on XX/XX/2020 and sent the Company the pertinent numbers from the back of the cards. 

Later on the day of XX/XX/2020 after purchasing the cards, the Bank reversed the {$2800.00} deposit, took the {$1400.00} I had in the Bank before the purchase and this took my account to a negative balance of the entire amount including the amount already in my account. 
On XX/XX/2020, I had an appointment with a Bank Branch Manager to, at their suggestion, submit a claim with the Bank ( Exhibit E ) alerting the Bank of the potential fraud, hoping the Bank would agree to work with me and accept some responsibility for allowing these funds to be placed in my account and making these funds immediately available to me. The Bank did not. Instead, the Bank has requested in its written correspondence to me ( albeit untimely after the funds were made available ) that I am responsible for returning ALL of the 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 2020-10-16
Company: Shellpoint Partners, LLC
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: Account information incorrect

Complaint:
My mortgage was purchased from XXXX by Shellpoint Mortgage Service. XXXX correctly posted my payments made each month. I contacted Shellpoint and they stated that my credit report would be updated to reflect my payments made which I have made on time since the loan was purchased. I disputed the wrong information and  on XX/XX/2020 Shellpoint admitted the information was incorrect and would be corrected. To date, my credit report reflects that no payment has been made on this loan. Additionally, I have been requesting a payoff quote for months and have never received it. Please help! The company makes promises to do take action but hasn't delivered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I requested validation of this alleged debt 5 times already. I have never received anything .Attached is a copy of my most recent request. 
Only XXXX XXXX  answered be in a ridiculous way, telling me that they dont understand what I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing , LLC in XXXX bought my mortgage from XXXX XXXX XXXX and did a 3 month trial period I think that s what they called it. I sent in all the paperwork required and and the end of XXXX, they said that the man who owns my mortgage did not want to give me the 90 day break in payments they led me to believe I would be getting. Now I am 2 months behind. I am almost age XXXX, have been living here for 30 1/2 years and only will be able to live in my 14 year old XXXX. I had a double by pass 6 years and have only Social Security income. I have been told your organization have dealt with this outfit in 2017. I need help and soon. Please contact me. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, they said they were going t

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Telsa Motors Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am just entering the 3rd year of a 3 year lease agreement with Tesla Finance. At the beginning of the lease I set up auto debit on my account and Tesla withdraws the lease payment from my checking account on the 12th day of every month. For two years all was perfect - equal monthly payments of {$520.00} as called for in the lease. But on XX/XX/2021 Tesla, without any notice or explanation, withdrew {$1100.00}, an extra {$600.00} over the monthly lease payment. 
I sent an email to Tesla finance about the issue to find out what was going on. I received no response to that email. I called and spoke with someone named XXXX who told me the extra amount was for " taxes ''. I asked her to send me back up supporting these taxes as I couldn't imagine what they are for. She promised to send an email - nothing arrived. I called again and spoke with XXXX again. I insisted that they provide detailed back up to explain why they had taken this money from my account. She said she would and proceeded to send me a copy of the monthly statement - which contains no details, just dollar amounts without explanation. I called again - was on hold for a very long time so I sent another email demanding they address my concerns. Nothing. 
I do not know what to do - until they can demonstrate why I owe this additional {$600.00} I consider it stolen. Too small an amount to hire a lawyer but a lot of money to me. I am grateful for any assistance you can provide to get Tesla to respond. This shouldn't be this hard. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello I submitted multiple letters on some unauthorized inquiries on my report. I did my due diligence on everything and contacted the companies. Please find attached a FTC report I submitted for these unknown inquiries.

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 2020-09-08
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i contacted equifax on XX/XX/2020 and spoke with a representative about inquires on my credit report I sent documentation in 60 days ago and there was no response I also asked for a debt verification and validation of my debt and the representative refused to send it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was contacted by loan officer XXXX XXXX from Amersave, I was  pressed to get all my documents uploaded and was told not make my next mortgage payment as all would be covered within my new refinance. This was over a month ago. since the time I have uploaded all my information I have not been able to contact my loan officer since or anyone else that could assist in updating me on my loan progress.. The name and number XXXX leaves on his voice mail for his manager is not correct. I have left messages for that person along with multiple other agents I was able to get transferred to but have not received a single call back or correspondence.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation