BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX, and equifax is reporting account transactions and my identifying information from XXXX  XXXX and XXXX XXXX XXXX XXXX without proper consent. I never gave any written consent to any of the companies for share, transfer, or sell my identifying information. 

All the companies actions have caused a breach and now my identifying information has been exposed. These actions constitute identity theft and criminal activity. 

I am taking the necessary actions to require that the companies cease furnishing and reporting my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, Experian, and XXXX is reporting account transactions and my identifying information from XXXX  XXXX and XXXX XXXX XXXX XXXX without proper consent. I never gave any written consent to any of the companies for share, transfer, or sell my identifying information. 

All the companies actions have caused a breach and now my identifying information has been exposed. These actions constitute identity theft and criminal activity. 

I am taking the necessary actions to require that the companies cease furnishing and reporting my information.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


You have 30 days from the date of this letter to delete the above account if you can not produce DOCUMENTS of this account being verified. This letter is NOT a request for you to automatically verify this account with no proof. I have done the footwork to protecting my rights and no company has been able to give me more information on these accounts which is currently preventing me from getting approved using my credit history.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting 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 this account has violated my rights. 

XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

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

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 2023-08-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i received two text message alerts from Chase that state : CHASE Mobile Alert We need to inform you that your account has been temporarily restricted due to security measures and theres information required to verify the ownership of the account. it then lists a XXXX  url that i have NOT clicked on. i do not have a chase account. the phone numbers that the messages came from were : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX 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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the presence of fraudulent accounts on my credit report. Upon reviewing my credit report, I discovered several accounts that I believe to be the result of identity theft or fraudulent activity. I am requesting your assistance in investigating and, if necessary, removing these accounts from my credit report. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

The fraudulent accounts in question are as follows XXXX XXXX XXXX XXXX I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. 

As a consumer, I believe it is my right to have my concerns addressed promptly and diligently. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.

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 2024-01-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
On the night of XX/XX/XXXX, i received documents to e-sign for an auto loan application with Ally Financial from the XXXX XXXXXXXX XXXX I instructed The dealership not to submit these docs to Ally because i was Not in agreement with their terms nor the missing information on the documents. 

I reached Out to Ally financial on the morning of XX/XX/XXXX at XXXX and let a voice mail for XXXX XXXX XXXX Ally Financial XXXX. My instructions were to NOT open this auto loan because i did No to take this deal. I further Stated that i would be filing a claim against the dealership for deception. I have called Ally financial several times since XX/XX/XXXX to state that i DO NOT have possession of the vehicle and that it is still at the dealership and this is NOT a deal. The Ally financial never received a copy of my paystubs, employment data, home data, or insurance card, but ALLY opened an account in my name anyway against my will. I have a case # 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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This bankruptcy is on my transunion credit report and this is from a third party. I have received a letter stating this was not to be in my public records and its inaccurate. 

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate the information that you have obtained for reporting, delete any unverifiable, inaccurate, or outdated information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 several credit inquiries on my Credit profile that I did not authorize. On my XXXX. Credit reports they have inquiries that were not me. They must 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 explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear XXXX, Transunion, XXXX I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : PLEASE UPDATE MY NAME TO : XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/ MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. PLEASE REMOVE ANY OTHER PERSONAL INFORMATION YOU ARE CURRENTLY REPORTING AS THEY ARE NOT ACCURATE. PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. Please send me a new report when you are completed so I may continue to verify its accuracy. Best Regards, 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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX Sent via USPS Certified # XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : I am writing in regard to your response to my initial request for my Full Consumer File Disclosure. My request was very specific and I provided the exact sections of the FCRA which require you to provide it to me ( see copy of my original letter attached ). Your response was insufficient in that you did not provide the Full Consumer File Disclosure as requested and you sent me a credit report, see attached. I will once again state that I am requesting my Full Consumer File Disclosure pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) to include all other such information listed specifically in my initial letter. No response by you other than providing the Full Consumer File Disclosure as required by the FCRA will be acceptable.

My initial letter was my first request for a Full Consumer File Disclosure within the past 12 months and there is no provision in the FCRA which allows you to charge me for it. I expect your full compliance with the law and for me to receive my Full Consumer File Disclosure in a timely manner as required by the FCRA. Your failure to do so will result in me initiating legal action to force compliance under the law. Your timely response is appreciated, not later than 15 days from delivery of this notice. Act accordingly.

Once again, as was provided with my initial request, I am enclosing a copy of my drivers license, Social Security card and utility bill for identification purposes. You are instructed to mask the first five digits of my Social Security Number in all writings you return to me. Please note, I am NOT requesting a credit report. 

Thank you in advance for promptly satisfying this request. Thank You. 

Sincerely, XXXX XXXX Attached : Copies of my Social Security Card, Drivers License, and utility bill and initial request are attached. 

I AM ALSO A VICTIM OF IDENTITY THEFT CAUSED BY THE XXXX XXXX DATA BREACH, SO IT IS IMPARATIVE I RECEIVE MY FULL FILE DISCLOSURE.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy should report actual courthouse name, filed date and docket number. 

Information are inaccurate, it is reporting inaccurate reference number, Closing date & Courthouse 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 non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
SEE FILES ATTACHED. I AM THE SENDER. THIS IS NOT A THIRD PARTY. IF YOU REFUSE TO COMPLY, YOU WILL BE SUED.

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 2024-01-08
Company: CCS Financial Services, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per 15 USC 1681 FCRA as a federally protected consumer I am intitled to fair and accurate credit reporting. On XX/XX/XXXX I reached out to CREDIT COLLECTION SERVICE concerning a debt of {$98.00} which the original creditor was XXXX XXXX XXXX XXXX. I agreed to pay the debt with specified instructions that CREDIT COLLECTION SERVICE contact all credit reporting agencies reporting the collection on my credit profile and have it updated from a negative collection account to PAID IN FULL or PAYS AS AGREED promptly. As i've continued to monitor my credit profile through XXXX, XXXX AND XXXX the account is still showing as a negative remark in collection after ive given CREDIT COLLECTION SERVICE precise instruction as to the correct and accurate reporting of the account to my credit profile which they fail to perform and is a direct violation to my rights as a federally protected consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 am not liable for this debt with charge off, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. This account is on my credit report for more than 7 years and 3 month. 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-11-07
Company: NEW YORK COMMUNITY BANCORP INC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Our mortgage qualified for a XXXX forbearance and when we came out of the forbearance our account was sold to Flagstar. They immediately told us we could not make a payment and we needed to submit a loss mitigation form. We did that and were told that we needed to make XXXX payments of over $ XXXX each which we told them we could not afford. My husband is XXXX XXXX XXXX and XXXX every few months on a submarine. He was told that they would pause any movement on the account if he submitted his orders under the SCRA. We did that and were sent a denial and told we needed to pay the balance. We did not request to have the balance forgiven, we just did what they said in regards to pausing things. We have been given the run around by this bank, they told us that they had no record of our forbearance. I submitted a XXXX complaint and received a letter from the bank president stating our forbearance was extended to XX/XX/XXXX. But as of XXXX we were already in foreclosure and were told we can't make any payments. This again, was all happening while my husband was XXXX. We submitted a loss mitigation application and were denied because " the forbearance wasn't the result of a disaster '' and that we are not able to refinance. Our ONLY option is to give them $ XXXX or our house will be sold in 2 months. This is beyond predatory and I feel that the bank has made it impossible for us to keep our home. They limited what options we had and the few that we did they denied. I reached out to an attorney who immediately knew who Flagstar was and their history which includes the judgment against them for these exact practices in XXXX. I do not believe that they have changed or that they are following the law in regards to our case.

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 2023-11-12
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Regarding the fraudulent account under my name, with an outstanding balance of {$2200.00}. Despite my earlier communications and provision of necessary documentation, including an identity theft report, this matter remains unresolved. 

As per the Fair Credit Reporting Act ( FCRA ), I reiterate my right to have inaccurate information removed from my credit report. The failure to address this issue is not only distressing but also a clear violation of FCRA regulations. I once again request an immediate investigation into this account and the removal of all associated negative information from my credit report. 

I had hoped that this issue would have been resolved promptly and am disappointed at the need for repeated requests. Please consider this letter a formal notice that, if this matter is not resolved satisfactorily within 30 days of receipt of this letter, I will have no choice but to escalate the issue. This will include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. 

I trust that XXXX XXXX XXXX XXXX will address this issue with the seriousness it deserves and provide a swift resolution. I am enclosing copies of my previous dispute letters and all relevant documents for your reference.

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