BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date XXXX : XX/XX/2012 Balance : {$7500.00}

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 2021-10-29
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have previously filed a complaint with you regarding the restarting of my payments after a mortgage of one year on four mortgages. The complaint number is XXXX. 
I have been in contact with Truiest many times since writing the original complaint and it seems two of the mortgages were in need of a soft appraisal to complete the documentation. I was sent a letter to the effect stating that the appraisals would be ordered at my expense, but was not consulted as to if I agreed to this fee. I called to ask how much I was to be charged and the representative was not able to tell me how much nor how I was expected to pay. When I started this forbearance process, I was told there were to be no additional hidden fees nor penalties. I find this fee to be a hidden penalty and predictionary. I was told that it is a standard procedure and required on all mortgages coming out of forbearance, but she had no explanation when I said it was only being required on two. 
I do not see how they can expect me to pay for something that I have no idea the fee nor did I approve.

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 2020-04-22
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2019 the XXXX XXXX XXXX reported me to the credit bureaus as 30 days past due. This problem was happened due to I din ' t receive my bank statement from XXXX. I went to talk with the manager on XX/XX/2019 at the XXXX XXXX branch office, XXXX, WA. Her name is XXXX, and I paid the bill. However, I explained the reason that I never receive my bank statement which causes me didn't know my checking account did not have enough funds to pay the auto payment system through XXXX, and she responded on this issue by asked me to contact the credit reports three bureaus. I did right away. From XX/XX/2019 until today the 30 days past due are still shown in the credit reports which hurts my score a lot to on impact my finance, my business loans, mortgage loan, insurance, etc. This is not fair! without the bank statement is no way for me to keep track of paying my bill online especially with the auto payment system. Truthfully, in never have 30 days past due with any loans with the lenders due I can keep track and manage my fiance and bill payment very well with bank statements by mail, but not online. Hopefully, you understand my situation and help me to remove this 30 past due with XXXX and the three credit reports bureaus asap. Thank you! XXXX XXXX. XXXX XXXX XXXX Note : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX The three credit report bureaus : XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA 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 2021-11-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello I have requested the bureaus provide me with proof that these are mine because they are not and they have yet to respond so I am moving forward with filing a complaint with the CFPB and if I am still ignored I will pursue legal action. I was a victim of identity theft I filed a police report with XXXX XXXX police dept back in 2015 which I am requesting a copy of this report from the police station. These accounts, addresses and inquiries are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: EQUIFAX, INC.
State: MN
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 XXXX & I have been trying to resolve confirmation XXXX since XX/XX/XXXX. XXXX XXXX XXXX electronically submitted notification to remove the 9 collection accounts from my report. XX/XX/XXXX I called Equifax and was told this had not been done, Also that when XXXX XXXX XXXX submits notification for removal these accounts will be removed real time ( IMMEDIATELY ). On XX/XX/XXXX XXXX XXXX XXXX called the Equifax Business Customer Service line and verified that Equifax has received the notification to remove the 9 collection accounts. Equifax advised XXXX XXXX XXXX that there was a 10th collection included for XXXX that was keeping the dispute from updating because XXXX had not responded. XX/XX/XXXX I called Equifax and said I added XXXX  to the dispute incorrectly and needed XXXX removed from the dispute. I was told this would be done in 72 hours, dispute XXXX would be completed and the XXXX XXXX XXXX Accounts would not be on my credit report any more. 72 hours later XX/XX/XXXX, I called and was told this had not been done. The new agent said he removed the dispute for XXXX XXXX and that would take 48 hours to update, once it updated dispute XXXX would process as complete. XXXX was completed, XXXX has still not completed. XX/XX/XXXX I spoke with Supervisor XXXX, told her the story was advised that new dispute for the collections was placed on XX/XX/XXXX # XXXX and that was holding up dispute XXXX from completing. She cancelled dispute XXXX and said within 24 hours ( which is now ) dispute XXXX will be cancelled and dispute XXXX will be updated. It has not, I need this resolved ASAP. This is keeping me from applying from a home loan but all the information Equifax needs to remove the accounts was submitted by XXXX XXXX XXXX on XX/XX/XXXX but not received " real time '' until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: WELLS FARGO & COMPANY
State: AZ
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:
this is the 3 attempt to get this resolved and over a year of lies misleading info and empty promises.

they agreed they never opened or trying to investigate the complaint the first time 2nd time only responded to the original agreement that we agreed on not what was told and agreed on the phone to pay faster 3rd time again based it off original agreement again in mediation and gave me {$6.00} for stealing my money for 3 weeks in my worst time i had nothing left for the month for gas of food

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 2021-10-29
Company: Upgrade, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Charged {$470.00} for a hotel I never stayed in 4 months ago, tried disputing transaction they told me I cant and I have to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Collection Bureau of America Ltd.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I 've sent this company multiple letters ( certified ) asking for proof of validation of this dept. they refuse to respond with actual proof the dates of the letters are below. 

XXXX the dates are as follows letter sent onXX/XX/XXXX received by them : at XXXX am onXX/XX/XXXX in XXXX, CA XXXX letter sent XX/XX/XXXX received by them : XXXX am on XX/XX/XXXX in XXXX, CA XXXX. 

letter sentXX/XX/XXXX received by them : XXXX am onXX/XX/XXXX in XXXX, CA XXXX. 

XX/XX/XXXX received by them : XXXX am onXX/XX/XXXX in XXXX, CA XXXX **** I have asked multiple times for proof ( signature validation ) this is my debt.. I 'm running out of patience on this. and am considering filing a civil suit next if this does not work.. I have no idea who these people are or why they are ignoring my requests but its getting old..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly requested verification and validation of this account with noresponse from the data furnisher. i have also sent in notices and a copy of my FTC identity theft report to advise them that this is a fraudulent account yet they are still reporting it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 at XXXX XXXX  I received a call from my bank informing me of a unarthorized transaction with my account. At the time my mind-set was " ok lets deal with this right now '' so I was talked into giving up my PIN. An hour later an amount of {$650.00} was withdrawn from my account. I called my bank to cancel my debit card. The next day, XX/XX/2022 at XXXX XXXX another unarthorized withdrawal of {$620.00} occured. So I went to my bank in-person to sort out the problem. Appearantly the bank representative I spoke to about cancelling my debit card failed to cancel my old card allowing another unarthorized withdrawal. Now my {$650.00} claim dispute has been denied and I am unsure about my {$620.00} dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Loan # -- -- -- -- -- -- belonged to a propriety that I used to own, but was sold in  XXXX . The mortgage was completely paid off in the sale however at some point  XXXX   XXXX  noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan.   I have been attempting to resolve this matter for over  2  yrs. and have constantly been given the run around, with some of the  XXXX   XXXX  responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers  may  have changed after the  XXXX  acquisition - you ( me ) didnt send in the correct loan number - old records  may  have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the  XXXX   XXXX  representative  XXXX   XXXX   (   Executive Resolution Specialist  ) referenced the WRONG loan number. When I spoke with  XXXX  the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from  XXXX   XXXX ,  XXXX  in which  XXXX  referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter yet.  2  weeks ago I physically went into a  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX ,  XXXX , TX ) where I spoke with  XXXX   XXXX  and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER FOR  XXXX   XXXX  LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: LEXISNEXIS
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:
Last several months, I have sent in complaints because XXXX is not removing this false bankruptcy. Yet they also have not provided any documentation proving that this bankruptcy record belongs to me. Fortunately, all complaints I have sent are here on file as proof of their negligence to remove this false bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CBC Companies, 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:
Last several months, I have sent in complaints because XXXX is not removing this false bankruptcy. Yet they also have not provided any documentation proving that this bankruptcy record belongs to me. Fortunately, all complaints I have sent are here on file as proof of their negligence to remove this false bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I had XXXXwo on-time pay accounts with TD Auto with no problems. On the third account opened in 2014 with XXXX on time payments, TD Auto decided to not pull my ACH payment and failed to notify me so my account was listed as delinquent. I reported this to the CFPB Complaint # XXXX and TD Auto sent a letter saying that their policy had changed and they were correcting the delinquency. Not only was the issue not corrected, but another late payment was added to XXXX. TD then stated that it would take 60 days for the credit agencies to fix the complaint, it's been over 90 days now and the problem has not been resolved. I respectfully request that TD correct this error immediately. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Loan # -- -- -- -- -- -- belonged to a propriety that I used to own, but was sold in XXXX. The mortgage was completely paid off in the sale however at some point XXXX XXXX noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan. I have been attempting to resolve this matter for over 2 yrs. and have constantly been given the run around, with some of the XXXX XXXX responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers may have changed after the XXXX acquisition - you ( me ) didnt send in the correct loan number - old records may have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the XXXX XXXX representative XXXX XXXX ( Executive Resolution Specialist ) referenced the WRONG loan number. When I spoke with XXXX the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from XXXX XXXX, XXXX in which XXXX referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter yet. 2 weeks ago I physically went into a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX ) where I spoke with XXXX XXXX and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER FOR XXXX XXXX LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by 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 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Account Info Reference Number XXXX Court US BKPT CT DE XXXX i disputed this account requesting THE VALIDATION to this account and all document that the CREDIT BUREAUS have to send me to validated this account. i never received any document from the credit bureaus. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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

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 2017-06-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
THIS IS ACTUASLLY THE SECOND CFPB REPORT I BELIEVE I HAVE HAD TO COMPLAIN ABOUT TO FILE WITH.  XXXX  BANK HAS INSISTED ON LEAVING A DERAGOTRY ACCOUNT ON MY REPORT AFTER ALREADY REMOVIGN UIT ONCE DUE TO INACCURACIES! I CALLED THEM, I MOVED, THEY DID N'T SEND THE RIGHT BILL. I TOLD THEM NUMOEROUS TIMES. I WANT THIS ACCOUTN OFF IT IS CRAZY THAT THEY CAN KEEP REINSTERTIG IT AFTER TELLING ME PROVING THEY WIL ; L REMOVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit score is suffering because I have an outstanding collection from an agency I know nothing of or why it has been requesting almost {$2000.00} payment since 2019. I have never received a single outstanding bill or collection notice. 
When disputed with XXXX, it comes back as a legitimate charge but with no explanation of what it is for or why I owe it. I have never not paid a bill.

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