BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : ( Original Creditor : ) 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 2017-12-26
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please delete this off my Credit report ... this account is a ZERO BALANCE.

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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The credit bureau TransUnion is not complying with their own policies in a timely manner. I submitted a dispute via mail 30 days ago on XX/XX/2021 to remove negative and inaccurate items on my credit report and i still have not received a response.

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 2021-06-10
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:
XX/XX/2021 I received my consumer report from Transunion stating the account XXXX was verified. I sent the credit reporting agency an affidavit letting them know the account does not benefit me the consumer and that the account should be deleted. An affidavit unrebutted stands as truth. 15 usc 1681a ( 2 ) ( A ) ( i ) mentions exclusions on a consumer report. Since they stated they investigated it and it is accurate I'm asking who did they interview pursuant 15 usc 1681a ( e )? The reporting agency is supposed to interview my family and associates but they have failed to do so. They did not properly verify anything instead they continue to report and break the law by saying the account has been verified when it has not. I've also let transunion know that no factual information can be on a consumer report pursuant 15 usc1681c. Transunion continues to report an account that does not benefit me. I've never given them written consent in the first place pursuant 15 usc 1681b ( 2 ). I'm instructing Transunion to remove the account XXXX immediately.

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 2021-04-13
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In the process of buying and selling a home. The new lender pulled our credit report and found the mortgage was reported as a charge off. Credit report looks like we defaulted. The mortgage company stated that credit reporting on our account was turned off and they do not know why. The last phone conversation I had with the mortgage company on XXXX, I was told they used the same code on our account as they would for a charge off. We need the correct information on our credit report so we can buy and sell. The mortgage company has been unable to explain what and how this happened and how it will be resolved. They have been clear that all payments are being made and our account is in good standing.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
A changed my name legally and opened new credit cards under new name. Everything was reported correctly until few days ago Transunion whiped our all information under my new name and attached it to my old name.

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 2022-04-06
Company: Experian Information Solutions 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 have no knowledge of these accounts XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Utility Past due amount {$2300.00} XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cell Phone Past due amount {$1400.00}

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 explanation
Consumer complaint received 2022-04-06
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 have no knowledge of these accounts XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Utility Past due amount {$2300.00} XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cell Phone Past due amount {$1400.00}

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 2017-10-04
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Two checks for repairs were issued by insurance company to customer. Both checks had customer 's name and repair facility 's name on them. Customer was allowed to cash both checks with only customer endorsement. Now customer refuses to pay balance owed to repair facility.

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I filed a dispute with TransUnion asking them to remove the credit line item for XXXX XXXX, due to incorrect information being reported.  I asked that Transunion contact the creditor for validation and I do not believe that they followed the law or my request in doing so, because they did not remove the item, even though the information being reported is clearly a conflict.  XXXX XXXX states that my last payment was made XX/XX/XXXX, however, the account has a pay status that says ">Account Included in Bankruptcy< XX/XX/XXXX"  Please help me understand how a payment was received in XXXX for an item that was included in a bankruptcy from TWO YEARS prior??? I'm uploading a screenshot of the item on my TransUnion Online Update Profile that was sent to me XX/XX/XXXX in response to my dispute XX/XX/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 2021-06-15
Company: EQUIFAX, INC.
State: MO
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 sent proof of these unauthorized inquires to Equifax and XXXX XX/XX/2021 and I have not gotten a response from neither company yet. I have proof in the FTC Identity Theft Report and attachment labeled as Exhibit A-B that all of the companies are in Violation of 15 USC 1681 N. The companys willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1681. They are now civilly and criminally liable for those Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TD BANK US HOLDING COMPANY
State: MI
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:
XXXX XXXX was charged off on XX/XX/XXXX but still reports monthly late payments Nordstrom was charged off XX/XX/XXXX but still reports monthly late payments According to section 166 of the Internal Revenue Code, federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We lost our home to a fire in XX/XX/XXXX. With the initial insurance proceeds we paid off our existing mortgage with a different mortgage company, liquidated the majority of our funds in an IRA account, and rebuilt our home. The construction was complete, all contractors paid, and we moved back in XX/XX/XXXX. We had no General Contractor, and everyone who worked on the rebuild was paid as agreed, but we did not obtain official " pain in full '' invoices. 
We closed on our mortgage with Flagstar in XX/XX/XXXX. 
In XX/XX/XXXX our insurance company released the final holdback funds in the amount of {$46000.00}, and because Flagstar is now a lienholder on the property they need to endorse the check. 
Every interaction I have had with Flagstar 's Loss Draft department has resulted in a different set of requirements to release the funds. We have had an additional inspection with pictures, produces invoices we had, and instructed our Adjuster to submit all documentation we had provided ( including cancelled checks and original contracts ), that was submitted to the insurance company to prove they were paid. 
On XXXX I was told by Flagstar ( XXXX ) that I would need the Conditional Waivers of Lien completed, and that would satisfy the requirement. 
On XX/XX/XXXX I was told by XXXX the same. 
on XXXX I was told by XXXX that 3 of the Conditional Waivers needed to be amended to include the contractors ' Tax ID numbers, and an assertion that all work was completed per the estimate. This was submitted. 
On XX/XX/XXXX ( a State Holiday ) at XXXX I missed a call from XXXX and she left a message that they had tried to reach out to one of the contractors to have him submit a paid invoice. 
On XX/XX/XXXX I spoke with someone at Loss Draft who told me that I need to get official paid invoices from ALL of the contractors. 

We are getting frustrated with the continuously moving requirements, and the contractors are long past frustrated with the constant requests for additional documentation.

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 2021-06-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
STOPED MAKING PAYMENTS DO TO COVID RELIEF AND AFTER CALLING AND GETTING AN OK FROM SUNTRUST ( MORTGAGE HOLDER ), I WAS ASSURED BY THE BANK THAT AT THE TIME THAT I WAS ABLE TO START MAKING PAYMENTS ALL PAYMENTS HOLD THROUGH COVID RELIEF WOULD BE MOVED TO THE BACKEND OF MY MORTGAGE, OBVIOUSLY THAT WAS A GREAT HELP AND REALLY HELPED ME THROUGH THIS TOUGH TIMES, BUT NOW WHEN READY TO START MAKING PAYMENTS IM BEING TOLD THAT I HAVE TO APPLY TO " SEE '' IF I QUALIFY AND GETTING HIT A QUESTIONARE THAT LOOKS SUSPICIOUSLY LIKE I WAS APPLYING TO SAVE MY HOME FROM GOING IN FORECLOSURE, AT NO POINT I WAS TOLD THAT THERE WAS AN APPROVAL NEEDED, I WAS UNDER THE UNDERSTANDING THAT THIS WAS A 100 % GUARANTEE AS SOON AS I WAS READY TO BEGIN MAKING MY REGULAR PAYMENTS. 


SUN TRUST MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2020-04-24
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo not allowing me to work out my Single Family Owner Occupied Home they have XXXX XXXX records with the assignment of Titles on numerous times. 

I am a XXXX XXXX XXXX divorced women caring for my XXXX yr old mother and my XXXX old daughter. We all XXXX in My home i 've purchased back in XXXX Closing Took place in my Kitchen table unknown to me. I was approached by a family member in XXXX who stated i should Take a Mortgage out with Wells Fargo XXXX who became a broker for them ) and they did it within XXXX it was unfortunate and was a Adjustable Rate for high risk person ( I had a good mortgage never late with previous co XXXX XXXX 'S XXXX gave me a BAD adjustable rate and recorded XXXX 

I Need to keep my single family XXXX XXXX home and HOPE they will provide me a XXXX XXXX. I have attended a XXXX party group affordable housing hud councilor which will help and guide me to modify mortgage

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 2019-07-06
Company: JPMORGAN CHASE & CO.
State: MD
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:
1.I have filed a police report as Case card requested 2. I have also place a fraud alert on my credit report with all 3 bureau 3. I have file an identity theft with the Federal trade commission 4. I have file 2 report with the Consumer financial protection Bureau 5. I have send you a copy of my passport showing I travel in and out of the country over a 5-year time. 
6. I have file ever month for in accuracy to Chase Card ( every month ) 7. i have flie with Attorney Generals Office 8. i have file with XXXX XXXX XXXX I have follwed all those step yet Chase card yet to remove this account from my credit report, every month I file a dispute with all 3 bureau yet no one from Chase Card company take my situation serious, everything are being sent over electronic to the bureau in response, each time I file a dispute. I think my ex wife are someone may have open this account in my name while I was traveling throughout the years .back and fouth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
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:
I want to report my ID stolen. I was looking to buy a car this weekend and I pulled my credit report and found addresses and bills that do not belong to me. 
someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX , I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: RESIDENTIAL HOME FUNDING CORP.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This is my buyers lender they were approved on XX/XX/2020 weve been waiting since XX/XX/2020 for the clear to close I keep being told its happening any day now and nothing Im about to lose the home Im buying and nothing the have already signed the CD with the 3 day waiver signed still not sure what we are waiting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ok the problem is SunTrust bank, in my work they pay me on Friday I deposit the check at same Friday and the bank puts the check on hold for over a week. 
I call my boss and he chow me his bank online and SunTrust take the money next day after depositing .I call sun trust customer service meni times and they don't know what is happening w my money Thanks I hope you can help me to find a answer

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 2022-04-06
Company: CITIBANK, N.A.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with BEST BUY/CBNA. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

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 2021-06-10
Company: Radius Global Solutions LLC
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:
This company has committed fraud. As a natural person, consumer and original creditor, they have broken the law, violated a multitude of federally protected rights against a federally protected consumer and on my behalf ruined my reputation. They have violated15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692f ( 8 ), 15 USC 1692d ( 1 ), 15 USC 1681 and many more. I recently yesterday contacted and sent the company means to help themselves after committing fraud.

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