BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
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: Investigation took more than 30 days

Complaint:
attached is the CERTIFIED MAIL FROM XXXX XXXX. Transunion is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX options Account # XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXXXXXX Open options Account XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXThese accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( XXXX ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: GA
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Need help getting this documents to Transunion, XXXX and XXXX for my dispute.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: VA
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-15
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I pulled up my credit report I noticed I have a collection account from XXXX XXXX in the amount of XXXX. I have never received a loan from this company or signed any kind of contract. I have tried to log into the website and it states there is no account under my name. I have inquired to experian and the rep states the acct was opened XX/XX/22 and now in XX/XX/22 it was already sold to an Attorney ( Vance and Huffman ) for collections. I have no inquires from this company on my credit report. My credit isn't good enough to get a loan in that amount without collateral. I own nothing. I would like them to send me a copy of signed contract and amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Greetings, My complaint begins with a repeat offender of common finance laws, Fay Servicing who will be further in described as the Servicer. For 11 months the Servicer has been drafting my account for lender-placed insurance unnecessarily. This had gotten my attention in XX/XX/2023 when a call was made to the Servicer when it was discovered that there was lender-placed insurance being charged to the account. At that time the Servicer was asked to remove said insurance because there was insurance in place already. At that point it was confirmed by my insurance company that the Servicer was provided proof of my insurance and how commonplace it is to do so. An internal task by the Servicer could have been initiated at that point to verify but was not. Since then, a copy of the insurance declaration was sent by mail with payments in XXXX, XXXX, & XXXX of 2023. The payments were processed while the proof of insurance was ignored all three times. The drafting of my account for lender-placed insurance continued. While escrow only required {$500.00} charges of XXXX continued with a difference of {$710.00} being drafted for lender-placed insurance. This amount has been assessed and collected for 11 months totaling {$7900.00}. Everything humanly possible has been done to inform the Servicer of my insurance and has become materially abusive. Given many opportunities the Servicer has done nothing. I am requesting that this issue be resolved immediately without delay and the money returned. A court summons will be issued for XXXX Fay who is the beneficiary of said errors. Let this complaint be notice of what is to come. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: National Collection Systems, Inc.
State: CA
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 received initial communication from National Credit Management on XX/XX/2023, regarding an alleged debt owed to XXXX XXXX XXXX in the amount of {$15000.00}. I disputed the alleged debt in a written letter, sent via certified mail, on XX/XX/2023. National Credit Management failed to provide a debt validation letter within XXXX days of initial contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Nelnet, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My student loans were serviced by great lakes on behalf of us dept of edu. They closed the accounts due to transferred them to another loan servicing company Nelnet. The closing of the loans reported to the credit bureaus XXXX and XXXX due to transfer which dropped my credit score drastically. Months later the loans were re-added to my credit reports with these bureaus and my score then dropped drastically again so it now looks like ive just opened this new debt with student loans and it is hindering me from obtaining new credit ie : a new apartment because it makes me look irresponsible which I believe is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX hard inquiries on these dates XX/XX/XXXX and on XX/XX/XXXX also XX/XX/XXXX again on XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
XXXX XXXX Delete this unconfirmed inquiry lacking certifiable, evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Dislike Once you have fulfilled my request, mail me an = updated credit report reflecting these changes. o

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2020-07-27
Company: EQUIFAX, INC.
State: TX
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:
FRAUDULENT INFORMATION IS BEING REPORTED AND THE REPORTING AGENCY IS BEING NEGLIGENT DESPITE ME SUBMITTING POLICE REPORTS AND THEFT AFFIDAVITS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/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 2022-10-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received a credit monitoring alert that a new credit card was opened with SYNCB/PPC which is Paypal Credit XXXX So I called the creditor and they verified that someone uses my name and address but the email address didn't match mine. Someone opened up a credit card with Paypal credit on XX/XX/XXXX and charged {$1800.00} and I don't know what it was for. So the creditor closes the account and submits it to their fraud department. I have already contacted the credit bureau about this fraud transaction and I was told to go to ftc.gov to file a fraud 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to address persistent inaccuracies on my credit report, which I have been working to resolve. Despite my previous attempts, it seems that there have been no corrections made, prompting my decision to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure the rectification of these discrepancies.

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 2022-09-12
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have made a mortgage payment to Amerihome Mortgage company on XX/XX/2022 also I have sent proof of payments documents and also my bank XXXX XXXX XXXX XXXX has sent proof of payment documents and for home mortgage company is still refusing to apply the XX/XX/XXXX payment and Amerihome is threatened me with foreclosure documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: CITIBANK, N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
My card was used without my permission or my authorized users permission on XX/XX/23 for {$440.00} at a XXXX in XXXX # XXXX, and for {$1100.00} at a XXXX in XXXX # XXXX on XX/XX/23. 
Citibank is denying my claim and holding me liable because the card was present in the transaction. My card was in my possession, which I told citibank, however I have multiple users on the account. One card was not received in the mail.

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 2023-08-21
Company: Experian Information Solutions 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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed 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 2023-01-11
Company: Mercari, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Illegal cancellation of orders User ID : XXXX I have sold XXXX items on this selling platform, and I have already shipped those itemes to the buyer, but the Mercari platform illegally cancelled my entire order. I can't receive the payment ( XXXX $ ), I demand the mericari platform to compensate me for my loss!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX account just showed up on my credit report and does not belong to me. I have included the fraud report as well. Please remove this asap. 

XXXXXXXX XXXX XXXX XXXX XXXX  Report Date : XX/XX/XXXX Account Number XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: MI
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 SENT FTC REPORTS AND ALL TO EQUIFAX CONCERNING FRAUDULENT INQUIRES REPORTING ON MY CREDIT REPORT BUT IT SEEMS THAT IS NOT ENOUGH, I CHECKED MY CREDIT REPORT TO FIND THESE SAME FRAUDULENT INQUIRES REPORTING EVEN THOUGH I HAVE TOOK THE PROPER STEPS TO REMOVE THESE ITEMS, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, I HAVE NO ACCOUNT WITH ANY OF THESE COMPANIES AND THEY ARE STOPPING ME FROM RECEIVING HOUSING AND OPPORTUNITIES WITH OTHER CREDIT CARD COMPANIES I HAVE TRRIED ALL OPTIONS TO GET EQUIFAX TO XXXX THESE FRAUDULNT ITEMS AND REPORT MY TRUE CREDIT PROFILE, I HAVE BEEN UNSUCCESSFUL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: HW Holding, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received an alert on my credit report. I noticed a Hunter Warfield collection on my credit report. It originated from XXXX XXXX XXXX XXXX, XXXX. 
XXXX apts pulled the eviction on XX/XX/2022 from the court system. I was evicted on XX/XX/2022. XXXX never started the process, over nor contacted me. I answered the court by having a mediation in which I never had. 

Violations 15 USC 1681B PERMISSIBLE PURPOSE OF CREDIT REPORT FDCPA PROHIBITS DRBT COLLECTION COMPANIES FROM BEING ABUSIVE, AND UNFAIR. OR DECEPTIVE PRACTICES TO COLLECT A DEBT.

Company response to consumer: Closed with explanation