BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Previously the XXXX account was stale reporting XXXX XXXX and my mortgage lender requested a credit supplement. I provided TU with documentation showing updated account balance of {$0.00} ; however, they did not update accordingly. Currently the reporting is 60 days stale showing last reported XXXX/XXXX/XXXX. I have provided a XXXX/XXXX/XXXX statement with the redispute XX/XX/XXXX but they have not yet updated the account to reflect accurate reporting.

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 2015-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus XXXX, XXXX, and Transunion. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account XXXX is also XXXX account which all XXXX bureaus must have realized the late payments were incorrect and deleted it. However, Trans union suddenly started reporting the late payments again. This account is : XXXX- account # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to send my son {$300.00} on XX/XX/2022 using Cash App. I got an error message when I went to complete the transaction. I saw that it did debit my bank account so I contacted my son to see if he got it. He did not. I contacted cash app who told me there was an error & it should fall off from pending. It did not. I filed a dispute with my bank and cash app responded that there was 2 transactions. Both my sons history and my history show only 1 transaction in the amount of {$300.00}, but cash app debited 2 charges for the same amount from my bank. I tried to talk to cash app, spoke to several reps who all refused to help me and just kept talking in circles without any acknowledgment of a problem occurring. My son contacted them and they told him he received 2 payments of XXXX, when his transaction history only shows 1. So now there is 2 debits from my bank account for {$300.00}, there should only be 1, and Cash App refuses to return the failed payment that did not send but was debited from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: National Commercial Services, Inc
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Commercial Services FAX # ( XXXX ) XXXX Re : account # XXXX Attention to DISPUTE DEPARTMENT Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account National Commercial Services that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX D.O.B : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SS # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone is using my info saying they live in XXXX under my name. The address is XXXX XXXX XXXX XXXX pa XXXX. This is not my address. My address is XXXX XXXX XXXX XXXX pa XXXX and has been most of my life. I 've never lived in XXXX. Please help with this problem

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 2022-03-17
Company: AFNI INC.
State: MO
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:
After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. So I then sent them a letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) disputing their claim and requesting proper validation. NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Selection. I asked for competent evidence that I have any legal obligation to pay them. I have not received this information. The letter was sent certified with tracking number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was Denied A checking account from XXXX XXXX XXXX on XX/XX/XXXX because I told told by the bank that my social security number that I provided is list as deceased from LexisNexis which is completely false! So I did went down to my local social security office and they have give me a letter to verify that I am not deceased, see enclosed letter. So I call and disputed it with LexisNexis, provided them with a my driver license and social security copies and LexisNexis told me that it was verified it and continue to report me as deceased and I have lost opportunities to obtain credit. Lexisnexis case number XXXX I called LexisNexis on XX/XX/XXXX and was told that the Deceased Notation { XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX } were reported by XXXX, But I called XXXX on XX/XX/XXXX XXXX told that my personal credit file is ok there is no deceased notations on my file or reported by them. XXXX told me to call LexisNexis again because they couldnt assist me. I wish to resolve this discrepancy otherwise I will pursuit Lawsuit! 
Desired Settlement : Correction to a credit report ; Removed Deceased Notation { XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX }

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
they received my personal medical records which is a violation of the hipaa 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 2016-10-23
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax refused to delete this inaccurate and unverifiable Public record from my credit report. 
In the results of Equifax " re-investigation '' in my recent dispute. They stated that they ''verified '' this public record. 
They stated that this Tax Lien was released on the date you are reporting and that they verified the information. Which is another lie! 

What was your " Method of verification ''? The court said you never contacted them. Also, using a XXXX party vendor does not work for this purpose. 

Equifax is reporting that the information was from : XXXX Superior Court XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX : XXXX XXXX v. Equifax. The court ruled that you are not allowed to claim any court or government agency furnished, and/ or verified information with the credit bureaus. This would then also include using a court website - even through PACER, to claim a public record is verified. 

This clearly shows that this is not the original source of information. The court house said they never release any information to CRA 's. 

You did not contact the original source of information and did not do it within 30 days this item has to be DELETED. PERIOD!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/XXXX, we had sent 6 separate payments ( checks from our bank ) to our mortgage company. We were later told by our mortgage company that they were sending the checks back to us and to send them a wire transfer in total amount of the 6 payments we had sent. So we sent them a wire transfer with the money still in our account ( in excess of {$13000.00} ).  Sometime later we discovered that they had cashed the checks which not only ended up sending our account into the negative due to overdrafts, overpayment, etc. but we also were charged NSF fees. We never opted in for overdraft protection on the checking account. Also, my wife, who is the main account holder was never notified or called about any over drafts. She was signed up for account notification and never received them. Even after going to the bank and talking with them, she still does not receive account notifications. The system failed us and we asked the bank to get the money back from the mortgage company due to the fraudulent withdrawal. We did not receive money back. Due to the constant lack of funds in the account, our monthly payment to our Chase Freedom credit card did not go through. My wife who is the main holder on that account was not called or notified about the late payment until it was too late. They have refused to help and/or remove the late payment from our credit report ( XX/XX/XXXX ). We simply ask that they credit the majority of the fees that we received because many of the purchases were made on the same day then posted on separate days so we were charged {$34.00} overdraft fees 3 times a day. Their system of notifying us did not work correctly and failed us as well as their customer service. They only recently credited our account for {$250.00} without informing us. After inquiring about the credit, we were informed that they were not going to help us any further and blamed us for the problems. We have been loyal Chase customers for 20+ years. We had to get a lawyer involved to solve the issues we had with our mortgage company which cost us thousands of dollars more. We want this situation resolved to our satisfaction after we lost a lot due to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
In 2013, I disputed with Equifax Account XXXX XXXX with Equifax based on a plethora of inaccuracies. As expected, the item was deleted from my credit report. However, recently I have noted that Equifax has re-inserted this previously deleted item. As well, Equifax failed to provide timely notice to me of this action taken as required by the FCRA 611 ( 5 ) ( B ) ( ii ). Attached is the dispute results from 2013 which indicate the item was previously deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called multiple times and sent in an ftc report to Transunion about the unauthorized inquiries and they told me I had to send in an ftc report which I already have done and its been well over 30 days and no one have reached back to me from the company they stated they started an investigation before the 30 days and Ive received a letter from one of the companys who stated inquiries on my report and theyve said they do not have any information on any active accounts with me nor did they have any history of me trying to obtain any credit or loans with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions 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:
There are alleged negative items showing on my credit report for which I do not recognize. Pursuant FCRA 623, I am demanding the removal of it.

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 2016-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I froze my Transunion credit in 2014. Today I discovered that Transunion charged my credit card {$19.00}. When I called to find out why they said " do you remember opening an account and requesting a credit report in the last seven days? '' I said " no ''. They said " well someone opened an account with your SSN and requested a credit report ''. I said " how is this possible, my credit is frozen? Please verify that my credit is frozen! '' They responded that " yes your credit is frozen ''. At this point my brain is exploding. I ca n't even believe the conversation is real.

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 monetary relief
Consumer complaint received 2016-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I filed complaints on TransUnion , LLC, to the Bureau of Consumer Financial Protection, because of the way TransUnion , LLC was handling my files and disputes. Ever since I have notified the Bureau of Consumer Financial Protection, they have placed my credit file in a specialty unit and have blocked my file from all of the other departments within TransUnion , LLC. However, this specialy unit as the representatives refer to it, states they will need to handle my request or concerns when I call, and they always transfers me to this specialty unit. However, I never reach a live person. A lady named XXXX called me back while I was on the phone with someone, and left me a message. However, she never left her last name, therefore, when I went to return the phone call she was not accessible, because you need the persons last name to access their extention. The lady named XXXX, left me a message stating that she is unable to remove my inquiries, which was one of the concerns I had regarding my credit file with TransUnion , LLC. I have disputed all inquires listed on my TransUnion , LLC credit file with each party/company listed, and I even sent a certified letter to TransUnion. However, they have never taken action to resolve this dispute. However, each company said they would remove the inquiry with all three credit bureaus, because they were unable to provide me valid proof baring my signature that I authorized the entry. However, TransUnion , LLC has still refused to remove the inquires with the permission of all the companies. All of the invalid inquires have been removed by the other two credit bureaus except, TransUnion , LLC. 

TransUnion , LLC has also refused to allow me to dispute any other entries on my credit file, because they have blocked my account from viewing by other TransUnion , LLC employees, therefore, I am unable to have access to my credit file to dispute any inaccurate information. I can not reach the TransUnion , LLC specialty department, because each representative that I do speak to states that there is only an extension number that they can send my call to, and then when you get transferred you end up getting a voice machine, where you have to leave a message, and hope that someone calls you back.

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 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
delete the following inaccurate, contradictory information in my file. am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


The items Listed are against your guidelines and break multiple laws under the Fcra like section ( A ) 609 I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CrossCountry Mortgage LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My previous case # was XXXX - unsolved and new information below To whom it may concern I am writing this letter because I have already attempted to get a validation for late payments being reported to reporting agencies by Cross Country Mortgage. After receiving a letter back from XXXX XXXX, she stated in her findings that I was in the process of getting a loan modification when the account was sold and transferred to another lender which means I no longer owed Cross Country and now my debt was with the new company. I am writing because when I was in that process of loan modification and obtaining a forbearance, I was told no late payments would be reported during that process and before it could be fully modified the account was sold and they did the modification for me. What I need from your company is the XXXX negative late remarks being reported to the reporting agencies removed from my file. I am asking for a goodwill letter request and would like a Universal Date Form faxed over or mailed to all reporting agencies to be sent out on behalf of Cross Country. There is no need for Cross County to maintain these negative remarks as I have no debt with this company and these remarks are causing me a great harm financially on my background. I am asking for a good will request and have all negative remarks removed or show the proper debt validation that these payments were late even though I was in the process of a loss mitigation and was told no late payments would be reported during that time. 

Once again, it cost your company nothing to remove these negative remarks from all reporting agencies In my previous complaint no resolution was given, and I was not supplied with information I requested. Only given dates of events. I requested validation of the late payment remarks and money said owed proven. I applied for loan modification and before this lender could approve it, they sold my account, and the new company finalized the loan modification and all debt owed was removed. this company needs to remove negative remarks from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, I received a letter from servicer US Bank offering help ( mortgage modification to be specific ) see attachment. 
On XX/XX/2022, I called US Bank and responded to the offer for help. 
The representative stated US Bank would send me a Mortgage Assistance Application within 5 business days. 
As of today, XX/XX/2022, I have not received the Mortgage Assistance Application promised by US 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 2015-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
This complaint is of a general nature and impacts others, not just myself. On XXXX/XXXXXX/XX/2015 I attempted to place a security freeze with the XXXX credit bureaus, XXXX XXXX and Transunion. With XXXX and XXXX I found the process straightforward and simple. Transunion on the other hand required me to open an account with them in order to place, manage or remove the freeze. With the abundance of accounts and their various insecurities I balked at creating yet another account. Is there any way to advise Transunion that their method only adds to the concerns of users rather that eases them.

Company response to consumer: Closed with non-monetary relief