BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from 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 explanation
Consumer complaint received 2020-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I signed a mortgage modification Subordinate Note and Security Instrument with Bank of America. In XX/XX/XXXX XXXX  XXXX XXXX foreclosed on me. Bank of America presented documents that were not the original documents I signed. To bring your loan current, the FHA will advance funds ( Partial Claim Amount ) on your behalf to the owner of your first mortgage. In return, so the FHA can eventually recover that amount, you must sign a zero-interest subordinate promissory note and subordinate mortgage ( Partial Claim Mortgage ) by which you promise to pay the Partial Claim Amount to the Secretary of Housing and Urban Development ( HUD ). In the court Bank of America presented a document that claimed they were the ones I owed through a promissory note that I never signed. I told HUD about the promissory note and they said they did not have a record of it. I emailed copies of the promissory note and HUD had Bank of America remove them from the note and I never signed a different one like Bank of America presented in court.

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 2020-10-28
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:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND MY PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO APPLY FOR ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Some time ago, I created a myEquifax account to manage the process of freezing/unfreezing my credit file online vs. calling them, which is a minimum 20 minute endeavor. Earlier this year, I found that I was unable to log into my account, being told credentials entered were not correct, even though i was certain they were. Ultimately, an incident report was initiated ( conf. # : XXXX ) to have their technical group investigate and resolve, with a promise of an email being sent to me once corrected. Months later, after still not having received said email, I mailed a letter ( copy attached ) to Equifax corporate ( to their Chief Legal Officer, XXXX XXXX, dated XX/XX/20 ) detailing my saga and requesting that my issue be escalated for a remedy and response, neither of which has yet to occur in the month or so since sending that letter. 

Last week, I tried logging in again, including doing the whole password reset routine multiple times, but to no avail. On XX/XX/20, I called again, stepping through the whole calling in and verifying myself process for about 20 minutes, then finally speaking with someone. After about 20 minutes of conversation, I was suddenly disconnected and the agent never called me back. I have a log of every date, time, agent name & agent ID documenting my multiple calls on hand if needed. This same log was included in my letter to facilitate verification internally. 

I am at a dead end. I have no choice but to have to deal with Equifax since they hold the " keys to the kingdom '' so to speak for most credit checks, but they have not done anything to resolve the issue. This has left me with no other option but to appear to your agency to step in and make them perform on this matter. 

Please advise if any other info is needed from me to move forward with this complaint. I am also attaching a log of my interactions with Equifax on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Greetings ; I sent 3 rounds of letters to the credit bureaus, but they didn't do their investigation. I want to open an investigation about my credit report and delete the innacuracies.

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-05-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX/XXXX  XXXX never late XXXX   XXXX inaccurate/not mine XXXX  XXXX XXXX XXXX never late How is Experian able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my second dispute requesting the credit reporting agency to REMOVE the attached items from my credit reporting. The creditors listed are UNVERFIED, INACCURATE, AND MISLEADING. The credit reporting agency has failed to provide the proper documentation validating this credit and/or proof of signatures.

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
BOTH TRANSUNION AND XXXX  HAVE ALLOWED 2 COLLECTION AGENCIES TO VIOLATE THE FAIR DEBT COLLECTION ACT. THEY ACTUALLY REMOVED THE DEROGATORY COLLECTION ACCTS THEN ALLOWED ANOTHER COLLECTION AGENCY TO ADD THE SAME ACCT BUT DIFFERENT AMTS BACK. I HAVE PROVIDED PROOF THAT THESE AGENCIES NEVER ADVISED ME THIS DEBT WAS OWED TO EITHER PARTY AND IGNORED MY LETTERS TO VALIDATE DEBT WITHIN 5 DAYS OF RECEIVING IT. I HAVE WRITTEN 4 CORRESPONDENCES TO BOTH CREDIT BUREAUS SINCE XX/XX/XXXX AND IT STILL HAS NOT BEEN RECTIFIED. BOTH XXXX  AND XXXX XXXX XXXX/XXXX XXXX HAVE VIOLATED FEDERAL LAWS IN PLACE TO PROTECT ME. I WAS NOT EVEN AWARE XXXX XXXX WENT BY XXXX XXXX XXXX. THESE ACCTS CONTRACTS WERE CANCELLED BY XXXX AND XXXX XXXX XXXX AND TERMS OF THESE WERE NULL AND VOID. XXXX  HAS REMOVED THESE BUT I STILL CONTINUE TO DISPUTE THESE ACCTS WITH XXXX  AND TRANSUNION SINCE XX/XX/XXXX & XX/XX/XXXX AND WERE AT ONE POINT REMOVED AND ADDED BACK THIS YEAR. I WOULD LIKE AN OFFICIAL INVESTIGATION CONDUCTED INTO XXXX  AND AND TRANSUNIONS DISPUTE INVESTIGATION PROCESS & PROCEDURES. PLEASE. THESE SHOULD NOT HAVE BEEN ALLOWED TO BE ADDED AFTER THIS DURATION AND AFTER THEY NEVER VALIDATED THE DEBT, NOR ARE THEY THE ORIGINAL CREDITOR

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 2018-04-05
Company: CONTRACT CALLERS INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Contract Callers Inc Opened XX/XX/2018 This account was re-aged illegally and I was not informed about it being put on my credit report. I have kindly called the original creditor ( Which they told me to talk to the collections, because they shouldn't of had my account re-aged ) and I have also called the collection agency. They just wanted to collect debt, and never answered about the re-aging part question. This debt is more than 4 years old and should not be posted as it is new. It was included in chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX. Located in XXXX XXXX, CA dba XXXX charged my debit card for illegal fees regarding air travel to the sum of $ XXXX.I submitted this info to Chase Bank . They investigated & decided to side with the fraudsters. I informed Chase bank that this company notorious for its illegalities regarding consumer fraud. This started on XX/XX/XXXX continuing until XX/XX/XXXX when Chase bank made their decision against me. Chase Bank removed {$710.00} from my account to give to XXXX. As I see it Chase committed fraud against me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reported on my Credit Report and needs to delete immediately : Wrong Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: PRESTIGE FINANCIAL SERVICES INC
State: WI
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:
Screen shots attached show that Prestige financial has been reporting late payments to all three credit bureaus. This account has been closed/charged off since 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage provider, Freedom Mortgage, refuses to remove PMI on my primary residence. I purchased the property XX/XX/XXXX and put 5 % down. The appraised value of the property at that time was {$200000.00}. Mortgage is a conventional 15 year loan. I reached 80 % LTV of the original appraised value of the property XX/XX/XXXX. I submitted a written request for removal of PMI. I was told that my written request was denied because it had not been 2 years since the loan origination date and that it would be dropped after my XX/XX/XXXX mortgage payment. After my 2 year origination date had past, the company still refused to remove the PMI. My XX/XX/XXXX payment brought the LTV to 77 % of the original value. Freedom mortgage now says they wo n't remove the PMI till the LTV is below 75 %. They also state my PMI written removal request will not be accepted. I have submitted a second written requested PMI removal letter and still the mortgage provider will not drop the PMI. I am current on all payments, and have no other liens on the property.

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 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My Mortgage is not listed on my TransUnion Credit Report. I've tried unsuccessfully for the past two years to get this corrected. CFPB advised me to work with the FDIC so i contacted them for help. The FDIC investigated and confirmed teh issue was with Trans Union and advised me to contact CFPB for help with Trans Union who has refused to correct 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 explanation
Consumer complaint received 2018-02-28
Company: First Direct Lending, LLC
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:
On XX/XX/2018 between XXXX my wife received a cold call from a company by the name of First Direct Lending out of XXXX CA. The agent that reached out went by the name of XXXX XXXX NMLS # XXXX. This past summer we where looking into a refinancing on our home loan but never moved forward because the timming was not right. Fast forwarded to yesterday XX/XX/2018 when XXXX contacted my wife, which i believe to be a cold call from information we provided online months ago. He starting selling her on the idea of refinancing our home, being very pushy at that. She stated to him that she really needs to speek to me about it because she let 's me handel such matters. I was at work at the time when my phone alearted me that I had a hard credit inquiry. I called and spook to my wife who said that that XXXX   wanted to do a soft inquiry on my credit and it would not hurt anything. Now with that said he never did his do diligence by stopping the conversion with my wife and contacting me for my concent to pull my credit. Side note shame on my wife for giving out my personal information such as my SSN, income and date of birth to a stranger. With that said it was XXXX 's responsiblity to contact me for consent to pull my credit. He moved forward with pulling my credit without my knowledge. His actions are a pure violation of the FCRA. On top of that he emailed my wife sensitive information on my credit report that she was not privy to. Which i believe violated the privacy act. Any help on this matter would be greatly appreciated. Thank you, XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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: Investigation took more than 30 days

Complaint:
Greetings ; I sent 3 rounds of letters to the credit bureaus, but they didn't do their investigation. I want to open an investigation about my credit report and delete the innacuracies.

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 2020-10-13
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ). I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire XXXX SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation