BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed the XXXX account. 

Dispute reasons : XXXX. Account not mine XXXX. The open date is XX/XX/2017, XXXX months BEFORE the closed date of XX/XX/2017. 

Transunion investigated and verified as accurate. How did the account close before it was opened? 

Per the FCRA, section 605 B companies have 4 days to remove an account when told the account is fraudulent. The company has been notified multiple times and they verify the account that clearly has wrong information, i.e., the opening date was XXXX months after the closing date. 

I am attaching a letter from XXXX, a subsidiary of XXXX, verifying XXXX agrees the account is fraudulent. Also attaching a copy of the Transunion investigation results with the errors on this account circled.

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 2023-01-27
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: Their investigation did not fix an error on your report

Complaint:
Attached is an identity Theft Report with fraudulent accounts reporting on my TransUnion credit report. And listed below TransUnion Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$840.00}

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 2018-10-04
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
XXXX XXXX keeps reporting thi colection account the account is closed and on my credit report its active every month it shows it decreased when the debt is charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: IL
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXXXXXX -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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Phoenix Financial Services LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I truly have no idea what these claims are on my credit report I know I have unpaid hospital bills and 1 car repossessed but that is it.There is a claim as of XXXX and XXXX when I know I haven't accumulated I have medical insurance now and have for past couple years.I was Young and didn't understand the importance of my credit but I now know just can't figure out how to fix it no one will help me because of my credit score related to a bunch of negative inquiries that I have no idea what it is please someone help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im a co-borrower on a mortgage with my father. My brother filed for bankruptcy two months ago. BSI Financial Services stopped sending statements two months ago when my father contacted the company. The service representative stated there were no problems with the account. My father continued to make payments on time.

Today my father contacted BSI Financial Services regarding the continued missing statement when they notified him that the property was included in a bankruptcy filing in his name. My father then clarified that his son ( my brother ) filed for bankruptcy two months ago, but he has never been a borrower on this loan or any loan along with my father.

I spoke with an account representative today, and she stated she could not provide me with account details as the account is in default due to said bankruptcy filing. I asked how the bankruptcy filing was varied and applied to the loan, to which the representative could not give me an answer. 

I did not get answers to my questions or clarify how this discrepancy would be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
When I reviewed my credit report, I discovered that these inquiries were unauthorized. The credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2022-10-25
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: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX made a mistake by reporting an error to the credit bureau 's and has since sent the required items to have the error removed from my reports. XXXX and XXXX were very friendly and expedited my request as I am in the middle of applying for a mortgage and this error has caused much distress. 

TransUnion on the other hand refuses to assist. My first two disputes I submitted on the error was was not the same item that TransUnion sent to XXXX XXXX for the dispute. Originally, I declared bankruptcy in 2020 and had included two XXXX XXXX accounts. TransUnion keeps sending the request for an item from by bankruptcy back to XXXX XXXX and not the actual Item I submitted the dispute on. 

TransUnion 's customer service was no help as they didn't answer my questions in chat, and kept hanging up on me when requesting a supervisor. XXXX XXXX also verified that they sent back to TransUnion the information to remove the item to which TransUnion states nothing received.

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 2022-07-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I requested debt validation from Experian and XXXX and received nothing to validate the debt. I have disputed with accounts several times and they sent a letter saying they changed addresses but didnt send a letter answering my request. The debt does not belong to me and they havent sent any verifiable information to say it does.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There are 2 accounts from Dept of EdXXXX opened in my name on XX/XX/2023. One for {$3000.00} and another for {$1700.00}. I have never had a student loan in my life. I went to the XXXX XXXX XXXX XXXX from XXXX on a football full scholarship.These two accounts showed up on my credit report and I was given their number to reach them. When I called I was kept on hold for an hour and 36 minutes then it appeared as someone was taking the call then disconnected me. I contacted XXXX and Equifax and both advised that I contact the FTC and file a police report for identity theft, fraud, and whatever else I could think of against the Dept of EdXXXX XXXX XXXX I filed a dispute with the credit reporting agencies and it stated the accounts are mine. I am XXXX XXXX XXXX and have been with the same financial institution for 15 years as a XXXX XXXX XXXX.I can provide whatever is needed along with picture ID. I am 100 % sure that the Dept of EdXXXX can not provide my same information. Please help!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: AZ
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-09-23
Company: LoanCare, LLC
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX like millions of others we went on a XXXX forbearance due to unemployment and lack of childcare, all seemed well and Loancare LLC XXXX seemed very helpful most likely to it being a law I assume now. I requested an extension 6 months later and then after that bringing our forbearance term to the end of XX/XX/XXXX, at which time I was then contacted by XXXX who I thought was a legitimate housing counselor due to them having my personal information. For 2 months I communicated with them solely as instructed being told to be patient, thinking there would be a resolution. There was not. I was later informed that our personal information was stolen by someone that hacked the servers of XXXX XXXX XXXX XXXX aka LoanCare LLC. I then received my foreclosure notice in late XX/XX/XXXX of which I made contact with LoanCare LLC, as the letter gave me different options I chose the mortgage assistance application route. Apparently in doing so it voided my pre-approved Covid-19 modification option I was told by one of the supervisors I spoke with in late XX/XX/XXXX and put me on a regular modification request which requires paper documentation and that is where my vicious cycle we have been stuck in since began. I contacted a XXXX  IXXXX XXXX XXXX on XX/XX/XXXX XXXX after yet another request, she informed me that she had found my documents and forwarded them to the processing department but I have been told this before to no avail. These documents have personal information included our children 's XXXX XXXX  XXXX where are they going. Which brings us here, today XX/XX/XXXX at XXXX per my HUD approved housing counselor XXXX representative XXXX XXXX XXXX We desperately need help to keep our home for our family of XXXX including XXXX young kids, XXXX infants. For further information we are fully qualified and approved for a {$20000.00} grant from the NH Homeowner Assistance Fund. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Radius Global Solutions LLC
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
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 2022-09-23
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collections action is being taken against my credit for a XXXX  account that was closed and the final billing statement paid on XX/XX/2022 ( see attached bank statement ). There was a XXXX balance on this account and I can no longer access the account as it is closed. 

I received a letter from Sunrise Credit Services in XX/XX/2022 saying I still owed {$74.00} for an account that was closed and done for months. I responded saying that I disputed it because the account was closed and paid with a XXXX balance. They never responded to my dispute and instead sent it to collections. Two of the bureaus have removed it so far, but I am waiting on the third one. I do not want this repeatedly showing up and causing aggravation. I closed the XXXX account because their internet service was shoddy at best and their billing kept changing after " introductory '' rates " expired ''. I was done with the poor customer service. They didn't even properly cancel the account in XXXX when I called to cancel and I had to call back multiple times to get it done. On the final call, the representative apologized, said he took care of the issues and that I should return the equipment, which I did. I then paid the final balance on the billing statement in XXXX and the account was closed. Then months later I got a letter from Sunrise saying I still owed {$74.00}. They never responded to my dispute of that and instead filed a collections action against me. 

This is not a valid bill and as I closed the account ( after I had to call several times because XXXX never did the account closure correctly when I requested they close the account ). All equipment was returned and the final billing statement was paid in full on XX/XX/2022. This is a known issue with XXXX  and they should be investigated for these tactics.

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 2022-07-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
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/XXXX, approx XXXX I went to the Fifth Third bank XXXX ATM XXXX on XXXX XXXX XXXX I attempted to make a cash deposit of {$1100.00}. The machine alerted an error and was supposed to reissue my cash back to me. The machine only returned {$6.00}. I then checked my account balance and the money was not there and the machine reported an error with cash deposits after my money wasnt returned. I attempted to call the bank and the call center was closed and I received no response on the companys user chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: The CMI Group, Inc.
State: IL
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:
Credit Management Lp has a collection reported to the 3 Credit reporting companies that is part of a fraud investigation. The account number for Credit Management Lp is XXXX. I would like this to be removed from all Credit Reporting Bureaus as it is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: TN
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 & CARES Act, XXXX  Account # XXXX has violated my rights. 

Fair Credit Reporting Act : XXXX XXXX XXXX section XXXX A. XXXX I have a right to privacy.

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

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. XXXX XXXX XXXX XXXX XXXX Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING XXXX XXXX PANDEMIC. 



Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; 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 2022-07-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been trying to get the title to my semi-truck since XXXX of 2022 from the lein-holder they have given me the run around which has cost me I. Storage of the vehicle and also several potential customers. I have been unable to sell the vehicle due to the neglect of the lein-holder. I paid off the vehicle and simply want my title. Well Fargo based on what was mentioned to me commercial department was sold to some other company they can't even pull the account by the loan number. This doesn't make sense. I have been disregarded with out concern of the financial damage to me.I would never recommend Wells Fargo to anyone with the continued bad press they have received in the press you would think they would try to have better customer service.

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