BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 2023-01-09
Company: EQUIFAX, INC.
State: AR
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 submitting this CFPB complaint to you to follow up the previous CFPB Complaint I submitted requesting the immediate deletion of the fraudulent accounts and information you report on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I sent a dispute letter on XX/XX/XXXX, with complete attachments of my personal identifying documents as well as the ID THEFT Report I received from the FTC. Please remove the following items off from my Credit File as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please comply with the Federal law and investigate the disputed items and remove them as soon as possible. If you found no legal basis to continue reporting the disputed items, immediately deleted these items from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitting this CFPB complaint to you to follow up the previous CFPB Complaint I submitted requesting the immediate deletion of the fraudulent accounts and information you report on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I sent a dispute letter on XX/XX/XXXX, with complete attachments of my personal identifying documents as well as the ID THEFT Report I received from the FTC. Please remove the following items off from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please comply with the Federal law and investigate the disputed items and remove them as soon as possible. If you found no legal basis to continue reporting the disputed items, immediately deleted these items from my Credit File.

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 2023-07-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been impacted by COVID. I made the mortgage company aware of this. Per their website they offer COVID assistance though they have not yet offered that to me. I have been making partial payments ( more than half of my regular payment ) yet I received a foreclosure notice. I am attaching documentation showing all of my communication and payment efforts as well as information listed on the company 's website. My most recent communication with them was on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NC
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 am writing to dispute the following hard inquiries on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not authorize these inquiries and I have no business relationship with these creditors. These inquiries have negatively affected my credit score and I request that they be removed from my credit report immediately. 

According to the Fair Credit Reporting Act, you have 30 days to investigate and respond to my dispute. If you can not verify that these inquiries were authorized by me, you must delete them from my credit report. Please send me a written confirmation of your actions and an updated copy of my credit report. 

Thank you for your cooperation and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-09-18
Company: EQUIFAX, 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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$270.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: DE
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:
An amount has been recorded as in collection which is not mine. The amount of {$770.00} is shown as my debt to XXXX that is in collection as of XX/XX/2023. I have tried to correct this online without success. In the meantime, my credit score has been lowered to reflect a delinquent account. This is negatively effecting my ability to get loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Sls llc started to service both first and second mortgage, within 90 days of each other 2016 ish at that point. Problems were.lapse of insurance to they wanted me prove what kind of mortgage Ie a fixed rate for 2 second mortgage with no fee being they bought it months after in-house refinance happen with detect They won't let me talk about my second mortgage til I fix my first one, when I did they want all up front with fees, That was unrealistic to ask imo, So now that I stay up date with first it got sold to sps llc , and now they " refinance " my second with all these fees.in it again, Plus they are charging me a second escrow every month which keeps changing... 
I told them to see the date of deet of trust to see who the first and second mortgage are. But they weren't having it said once again I have to send in.more paperwork... 
In times.my 2 mortgages can be almost XXXX dollars and the loan .not sure y I have to again for the tenth time about the loan... 
And the fee are wow

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 2023-01-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
1. On XX/XX/XXXX I attempted to cancel my extended warranty for a used vehicle I had just purchased. I purchased my vehicle through a dealership who also helped me secure financing. I had to submit a form to cancel the auto warranty. An agent of the dealership confirmed receipt of my warranty cancellation form on XXXX XXXX, XXXX and informed me it will take XXXX weeks for the warranty refund amount to be taken off the principal of the loan. 
2. On XXXX XXXX, XXXX I asked the same agent of the dealership to produce documentation of the warranty cancellation and " refund '' to my financing principal. They were either unwilling or unable to produce such documentation. 
3. On XXXX XXXX, XXXX I was informed {$2800.00} would be going to the lienholder and would be reflected on my next billing statement. 
4. On XXXX XXXX, XXXX No change was reflected on my auto loan statement showing {$2800.00} being sent back to the lienholder. 
5. On XXXX XXXX, XXXX I was informed by an agent of the auto dealership it would take XXXX billing cycles to apply to my account. 

Auto Dealer : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Lienholder : Ally Financial XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-01-18
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-12-12
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian - Log in Account Hacked Multiple Times I can not log in to my Experian Account because the log in email keeps getting changed. I cant contact anybody because I cant get a human on the phone and I can email anyone the screenshots. From the forums online multiple people are having this issue. Ive had to issue Fraud alerts accounts are attempted to be opened etc I cant get help from them and MY DATA HAS BEEN COMPRIMISED. 

I have called multiple times and CAN NOT get help or a PERSON.

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 2023-11-13
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen and fraudulently used to withdraw money from my account. The Fraud Alert sent by Chase was responded to and a follow-up claim was filed. The " investigation '' that occurred did not include any interaction or questioning with me and the determination is vague and removes all responsibility from Chase while making gregariously inaccurate claims against my character and what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Account information incorrect

Complaint:
I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. After failing to send my investigaion 30 days after recieving my dispute letter, they sent back the investigation results almost two months later. The information on my credit was concluded as accurate. I then received transaction history report from XXXX XXXX XXXX XXXX and realized that there were inaccurate information on the document. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer a reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-09-16
Company: OPTUM BANK, INC.
State: NV
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I wish to formally address an ongoing concern regarding unauthorized transactions on my XXXX card, established through my employer with Optum Bank. Please refer to the attached " XXXX XXXX XXXX '' for a detailed breakdown of all account activities. 

From XX/XX/XXXX through XX/XX/XXXX, numerous transactions amounting to over {$6000.00} including ATM withdrawals, charges from XXXX, XXXX, XXXX, and others were executed without my consent. Actually, all the withdrawals and charges in that period were not authorized by me. It is strange to think that someone would use an XXXX card for such expenses. 

By XX/XX/XXXX, I became aware of these unauthorized activities a realization that came very late, for reasons I'll detail below. Consequently, I promptly disputed all these charges with the bank. I also immediately initiated an " Account transfer '', moving the funds to XXXX, to protect the remaining balance. The account transfer arrived at XXXX on XX/XX/XXXX, and was recorded as XXXX separate account transfers on XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I received a refund of approximately {$2900.00} via the " visa/mastercard debit card credit '' process. However, a significant amount is still in dispute. 

After that, I didn't get any refunds from them. I also observed refunds labeled " visa/mastercard debit card credit '' but were subsequently debited back using the " XXXX liability process ''. This action was taken without providing any clear explanation, which I find concerning. 

I'd also like to point out that I believe Optum Bank should take full responsibility in this matter. I was locked out of my online account until XX/XX/XXXX, hindering my ability to monitor my account for over a year. Despite my attempts to reach out, my concerns remained unaddressed until XX/XX/XXXX. For instance, I was once redirected by a customer service representative to a phone number of another department who supposedly managed my account ; however, they never answered the phone call. On another occasion, the customer service told me they would perform an investigation and I was assured a call-back after investigation, but that call never came through. Additionally, they didn't send any paper statements during that time, which compounded my challenges, leaving me uninformed about the unauthorized transactions. 

This situation makes me question Optum Bank 's commitment to ensuring customer security and awareness. Had I been granted access or received regular paper statements, I would've been alert to these unauthorized transactions sooner. 

For your reference, I've also attached " optum mails.pdf '' which contains correspondence from the bank regarding decisions on some charges. However, it's important to note that these mails don't encompass all the disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent 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 explanation
Consumer complaint received 2023-12-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I am attaching a XXXX  of my complaint : CFPB - XXXX I am attaching a XXXX  of letters from my mortgage servicer, SPS : SPS letters.XXXX I am attaching a XXXX of SPS response to previous complaint : SPS responseXXXX  I am attaching a letter to SPS explaining reason for short sale : WORST.XXXX I am attaching content of my previous complaint to CFPB : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation