BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
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: Account status incorrect

Complaint:
My wife and I own our home in XXXX XXXX, FL, which took a direct hit from Hurricane Ian on XX/XX/2022. On or about XX/XX/2022 I reached out to my lender 's loan processer, XXXX XXXX, to request a 30-day extension since my home had suffered major damage from the hurricane. They would not offer me such 30-day extension, but instead offered me a 3-month bereavement. I explained I didn't need that long, just 30 days. They said that was the only option, and there was no mention this bereavement offer would affect my credit score, but I learned later it did. I made my next payment as agreed, but they immediately notified the credit reporting agencies that I was 90-days behind on my mortgage. As a result, my credit score dropped from XXXX to XXXX. I immediately contacted them to dispute this, and promptly caught up on the payments. They have refused to take responsibility of not informing me of the consequences of their bereavement plan, nor have they updated the credit reporting agencies showing my mortgage is no longer past due. Their recent comment to me was that it isn't the agent 's responsibility to inform the homeowner the bereavement will ultimately affect their credit rating. They relied on mailing me a paper with those details, which I never received because my mailbox blew away in the hurricane. I request your assistance in getting this matter resolved as quickly as possible. Neither my lender, XXXX XXXXXXXX XXXX XXXX XXXX, or it's processing company, XXXX, is helping me with this. Please help. Thank you.

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 2023-01-17
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from XXXX 
The fraudulent items are circled and listed here : XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from annualcreditreport.com. The fraudulent items are circled. 
A copy of my Identity Theft Victims Complaint and Affidavit. 
A copy of my FTC Identity Theft Report. 
Proof of my identity and proof of my address. 
Confirmation of fraud alert. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theXXXX within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

ACTION TAKEN - Sent Certified letters for past 3 years since XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, Contacted all 3 credit bureaus to file investigations to have removed. 
XXXX XXXX XXXX XXXX Past Due Amt : {$1500.00} - Orig Charge Off Amt : {$1700.00} Date Opened : XX/XX/XXXX ACTION TAKEN : Several attempts made to Remove debt due disability insurance on account. 

XXXX Business & Dates Requested : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Account Type : Individual Auto Account Status : Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Amt : {$11000.00} High Balance : {$20000.00} Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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:
I cling to sending plentiful sets of letters to Transunion so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please DELETE the account ASAP : 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 explanation
Consumer complaint received 2023-01-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I wish for these unknown inquiries to be removed 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 non-monetary relief
Consumer complaint received 2023-06-21
Company: AMERISAVE MORTGAGE CORPORATION
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 the outset, THIS IS NOT A DUPLICATE COMPLAINT, and I EXPECT A RESPONSE FROM THE COMPANY or a CIVIL LAWSUIT WILL BE FILED NEXT. 

AmeriSave Mortgage ( " AmeriSave '' ), without my knowledge or consent, provided my personal identifying information, including, name, address, social security number and full date of birth to a third party, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have never authorized nor consented to AmeriSave providing any of my personal identifying information to anyone. AmeriSave never advised me at anytime on or prior to disclosing my personal identifying information that it intended to provide my personal identifying information to anyone for any purpose whatsoever, and now my personal identifying information is in the hands of third-parties which has placed my personal identifying information at a high risk of being misused. Furthermore, I never authorized AmeriSave to upload any of my personal identifying information to the CFPB portal, which was contained in a document described as a " XXXX XXXX XXXX Report ''. This unauthorized disclosure and upload of my personal identifying information to third parties, including to XXXX XXXX and the CFPB violates my privacy as well as Federal and State law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: John C. Heath, Attorney at Law, PLLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
( name and address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. I spoke with company XXXX Lexington Law on XXXX to cancel withdrawal of {$130.00} they waited until XX/XX/XXXX putting my XXXX XXXX account ( # XXXX ) putting my SSI account into overdraft .after I told them not to and they agreed. They did what they were supposed to protect me from.in my haste I didnt get a reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently wrote to XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX. [ There were XXXX different addresses reporting, so I mailed, and uploaded the same document with both addresses ]. I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX Loan continues to falsely verify this account whenever I dispute this item with the XXXX XXXX XXXX, -as well as yourself, the Consumer XXXX XXXX XXXX XXXX -whom is a government entity. XXXX XXXX, has stated to all parties. -the Credit XXXX XXXX XXXX The Consumer XXXX XXXX XXXX XXXX and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the XXXX. Codes which I believe that XXXX XXXX violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX is seemingly willfully noncomplying. Furthermore, XXXX XXXX continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, XXXX has been like this for a long time, yet, XXXX XXXX continues to falsely verify as accurate. This has to stop at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them from my file right away : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-01-16
Company: AXOS FINANCIAL, INC.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Madam or Sir, I submitted a dispute, then found out it was legitimate. So I notified them to cancel it. Just because I submitted a dispute, they restricted my account where my XXXX XXXX  get direct deposited into. 
They literally have me to where I XXXX XXXX XXXX XXXX XXXX XXXX That's against the federal law XXXX told me. They referred me to you all. 
I asked if my autopays and outstanding checks could still go through, and they said no. I have over XXXX in my accounts, but they say it can take days to take the restriction off. 
I have never in my life had a restriction because I made a dispute. Worst of all, all checks and autopays will be rejected, and both banks will charge me NSF fees. Axos for XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX will charge me fees as well, because I wrote checks off axos to put money into the XXXX XXXX XXXX XXXXPlease help me? 

With Utmost Respect, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX of XXXX I supposedly took out a loan for {$1300.00} it is not my account and I tried to reach out the original debt owner and they are permanently closed. The debt hit my credit report in XX/XX/XXXX and I am just hearing about this from checking my credit report. I wanted it deleted and they are not getting me the information I need to file a police report. I file a dispute on the XXXX of XX/XX/XXXX and it came back XXXX of XXXX saying it's mine and they won't delete it. Prior to this placed on my credit report there was no communication about it sent via mail, phone, or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IN
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried to purchase a puppy through a breeder whose website was cleared by XXXX and ran as an ad on XXXX. I was in contact with the owner and they did all of the routine steps in making sure everything went smooth and was consistent with what you would expect of most breeders. After all paperwork was drawn up, I paid {$2500.00} total using XXXX and XXXX for the dog but after noticing some sketchy services afterwards, I realized that I had been scammed. I then reported the operation to the FTC, FBI, XXXX, XXXX and XXXX. I've tried recovering my funds from XXXX XXXX, XXXX and XXXX but they all denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate and update the unverifiable accounts XXXX XXXX XXXX Balance : {$270.00XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2023-06-21
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector goes by the name Jefferson Capital System. They reported an unpaid Debt on my credit report on XX/XX/2020 for the amount of {$1000.00} claim I ow this amount from the original creditor XXXX XXXX. I have made many attempts to resolve this error. I have reached out to XXXX XXXX who confirmed the debt does not belong to me as my account was paid. I have notified and disputed ownership of this debt with Jefferson Capital System a dozen times since XXXX of XXXX and every time I requested proof of the debt they claim belongs to me which they have never sent and that is because the debt does not belong to me and I have confirmed this with XXXX XXXX XXXX This debt collects Jefferson Capital System has violated my rights on more then 12 occasions I had requested Debt verification from them but the only thing they mail me is an offer for 10 % off the debt and has never once provided me debt verification. The debt belongs to a family member with a similar name and the same address however we have completely different SSN and birthdates. This debt collector has wrongfully accused me of a debt I do not owe and illegally continues to damage my credit report and harassment me with mail threats and discount offers and refuses to send proof or debt ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states are consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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:
I sent a letter on last XXXX XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XXXX XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC 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 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 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 XXXX, VA XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX VA XXXXXXXX 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