BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-09
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:
XXXX continues to report to the credit bureaus an unverifiable account. 

I have disputed this account multiple times with the bureaus to no avail. 

I have requested proof of this account from XXXX and have not received a response. On XX/XX/2023, I called XXXX and they confirmed there is no account in their database, yet they continue on a monthly basis to update the account. 

Failure by XXXX & the credit bureaus to notate account as disputed within 30 days of notification is a violation.

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 2023-05-26
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX  Balance : {$910.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX CA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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: Information belongs to someone else

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While looking at my credit report I found 2 accounts that do no belong to me so I filed a police report and FTC Identity Theft report attached

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 2020-07-20
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I explained to them I do not Owe anybody anything, and if I did then the company that's in question should have taken me to court a long time ago. They have not done that because they are known for fraudulent activities which I reported to IDFPR and they subsequently was fined for numerous infractions and deceitfulness ( That company being XXXX XXXX XXXX whose real business name should have been XXXX XXXX out of New York ). They were order to change their name because they were operating under XXXX XXXX XXXX illegally and using staff persons that were not actually licensed in the state of Illinois to practice as Leasing Agents or had expired licenses, they also used the bait and switch on numerous unsuspecting tenants including myself and were fined for that also. They tried to get rid of me by raising the rent on a contracted XXXX XXXX XXXX unit that I was renting, but XXXX refused there increase, so instead of ( XXXX XXXX XXXX  or XXXX XXXX ) taking XXXX to court, they instead tried to include the rent increase that was denied into my utility bill without notice or authorization by XXXX. This is just another example of how they treat honest hard working people and they keep getting away with it. They also retaliated against me because of a negative " XXXX '' posting I made about them and their terrible customer service and unpatriotic activities. I sent National Credit System Inc.XXXX XXXX XXXXXXXX GA XXXX a Cease and Desist Letter by certified mail and they again contacted me by mail twice after receiving the letter from me, so that's what brought me to this website for help. I am also an XXXX  XXXX XXXX XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX I wrote a check to XXXX XXXX for the amount of {$24.00} It was converted to an ACH. I had at the time in my account {$24.00} I thought at the time I had XXXX but I was wrong. There was a debit to my account I was not aware of until I received the notice of the returned check in my email.for {$14.00} I do not have overdraft on this account, ( and the check would not have cleared any way but it is important to note this as an oversight on my part and not a blatant move to de fraud a merchant ) the check was sent back, when I saw what had happened I called XXXX to find out what I needed to do, they told me I would have to contact XXXX, I called XXXX on XX/XX/XXXX at XXXX XXXX  Cenrtral time and the agent told me after searching for several minutes that she found the check and asked me if i wanted to pay it today I agreed she said it would be {$49.00} I agreed to pay it when she put the card number in the system she said the check was currently being sent back through and I could not pay it over the phone she then stated I would still need to pay the XXXX return check fee though. I argued and hung up today XX/XX/XXXX they have attempted to debit my account for XXXX on behalf of XXXX stores but I did not have that much in my account. 
I am asking if they can continue to attempt to debit my account without my authorization, and If I must pay a return check fee for a check that cleared upon re deposit?

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 2020-07-20
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 INFORMATION WAS USED WITHOUT MY KNOWLEDGE AND CONSENT SOMONE STOLE IDENTITY AND OPEN SEVERAL FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. 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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My prior servicers agreed that I could assume the loan to remove my ex-husband from the mortgage, but because of repeated servicing transfers, the assumption process has been delayed and I am now at risk of XXXX XXXX XXXX  unless the assumption can be completed. My ex-husband and I were originally co-borrowers, but I was awarded the house in the divorce and received a quit-claim deed. The divorce decree said I needed to remove his name from the mortgage. Following a lawsuit against my prior servicer, XXXX, which resulted in a settlement, XXXX offered that I could assume the loan to remove my ex-husband from the mortgage, which I agreed to. Before the assumption could be completed, servicing transferred to XXXX & XXXX. After much difficulty, XXXX & XXXX stated in writing in around XX/XX/2021 that I could assume the loan to remove my ex-husband, as XXXX had promised. XXXX & XXXX repeatedly dragged its feet on getting me the final paperwork to effectuate the assumption, which it assured me that the investor had approved and that I would receive shortly. Then, in XX/XX/2021, servicing transferred to Shellpoint, and XXXX & XXXX refused to speak to me anymore about the assumption. I have been unable to make headway with Shellpoint in effectuating the assumption that XXXX and XXXX XXXX XXXX had both offered me, and I am running out of time to assume the loan. If it does not happen quickly, I may end up losing my home. Shellpoint is obligated to finalize the assumption I was promised and have been approved for, and I need it to happen immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I was on the phone with a Bank of America representative win {$5000.00} was transferred out of my account she immediately made a claim and said it takes XXXX days pray decision I called every other day to check on the claim many times it was lost they can not find it so then on XX/XX/XXXX a new claim was made but then I spoke with a supervisor and she found my old claim it has been XXXX days with no letter or contact from the bank.

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 2020-07-20
Company: Rent Recovery Solutions
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: Account status incorrect

Complaint:
I applied for XXXX XXXX, I received denial from XXXX XXXX. I believe the items denying are accounts that I have paid in full within the last 5-6mths. I have receipts/copies of payments! Debt from XXXX XXXX paid in full through Rent Recovery who held debt. Also, paid off XXXX bill. And XXXX debt originally for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Citibank denied a credit car application based on the following : 1.Insufficient credit file for the last 2 years 2.Too many credit application inquiries within the last year. 
3.Credit Card Collections Past Due 4. These reasons dictated via outgoing automated voice transmission. 
5. Incorrect identification information on my report 6. XXXX os the report agency.

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 2023-06-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
started XXXX with the first notice from Fifth Third Bank. l explaned up front that l have never used XXXX with their bank. Someone hacked my bank account through XXXX. they withdrew the money from the accts of three banks and a credit card. all funds were given back except for Fifth Third Bank that l am still struggling to work with, but their decision became final, stating that l had to have given them a passcode, of which l did not. they reopened the case a couple times with the same results. ln the beginning they gave me a portion of the money back, putting it into a new acct. and that was taken out of the new account again through XXXX  before l could get into my ''new '' checking acct. Everyone l talk to at Fifth Third says that they know that it was fraud, they reopen the case and then l receive another letter of denial with the same decision blaming myself for the mishap. l have tried everything possible without any success. l am still getting phone calls from a fake fifth third bank phone number and they even leave a message! l have pictures of the numerous caller ID 's that show up on my home/cell phone. l have also saved messages. l believe they are trying to get me to answer the phone so they can get back in. When they call it shows up, 5/3 Bank. lf Fifth Third calls from a branch it shows up spelled out. l believe that l answered the phone when the hackers called and that's how they got into my banks through my computer or cell phone. They, as of XXXX, are sending to collections from an ''auto-withdrawal that went throgh.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: AL
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 made a settlement arrangement through the courts with XXXX XXXX XXXX. Arrangement was honored in 2019 but credit report is stilling showing this has delinquent but it is not. The arrangement has been paid off since 2019.

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 2018-05-14
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a Validation Letter and Cease and Desist Letter to this company twice and I have been ignored.This debt does not belong to me and was Deleted from Public Record Via XXXX  ( XXXX ) This Company have no respect for the law and consumer rights.I proved to one company that this debt isnt mine and ill prove it again USPS TRACKING : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my 3 reports through the online portal a month ago but have not received any.

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 2020-07-20
Company: Experian Information Solutions 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:
SOMEONE USED MY SOCIAL SECURITY NUMBER TO APPLY FOR SEVERAL FRAUDULENT ACCOUNTS THAT I DID NOT GIVE PERMISSION TO THEY STOLE MY INFORMATION ANF OPEN FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian 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 2015-05-18
Company: Senex Services Corp.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was notified by my XXXX at XXXX that Senex reported a debt as unpaid to XXXX on XXXX XXXX, 2015. They did not mail me a notice to dispute before they did it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to refinance ; I locked in a rate over a week ago.

I currently have my mortgage through Ditech. The title company requested a pay off quote from Ditech 2 weeks ago.

Nothing was received.

I called Ditech on XX/XX/18 for the payoff and they said 3-5 business days.

We have called them daily, no payoff.

In addition to the title company and new lender calling daily, I called yesterday and spoke to XXXX and explained the situation yet again, she was escalating to her supervisor and would get the document sent over yesterday. We still dont have it.

I attempted to print it online but it said a payoff is not available for my account.

My new rate is expiring.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation