BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: WELLS FARGO & COMPANY
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The loan has been paid. I would like all derogatory remarks removed from my credit report. They are affecting future credit usage.

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 2021-08-11
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXXXXXX XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX Amount Disputed : {$220.00}

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was added as an authorized user many years ago to my sisters XXXXXXXX XXXX XXXX XXXX card ( acct ending XXXX ) when doing a home remodel project. When I refinanced my home in XX/XX/XXXXXXXX  I called to be removed because a high balance was being reported. I was informed I was removed as an authorized user and the acct would be deleted from my credit file. When I applied for a mortgage on a new home in XX/XX/XXXXXXXX  I was informed that the acct was still on my credit. Both my sister and I called to ensure I was removed again, they informed me I was removed and said they would mail a letter to confirm. We never received a letter. While applying for a HELOC last month XX/XX/XXXXXXXX  my credit report now has derogatory information from this acct as it has since gone delinquent and been charged off. On Thursday XX/XX/XXXXXXXX  I was told I would need to have the primary account owner call and remove me and it would be removed. My sister, XXXX XXXX, whose account it is called and they said I was removed and would send a letter as confirmation. Today, as part of the closing on my heloc, a 3rd party company called with me on the line to confirm I was removed and have no liability to this account and was informed I was not removed and can not be removed because the accts now closed. Ive disputed with the credit bureaus but it has yet to be completely deleted from my credit profile.

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 2019-01-17
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in regard to the collection agency Eastern Account Systems, XXXX XXXX XXXX, XXXX, Ct, XXXX. My husband passed away in XX/XX/XXXX. In his files I found a notice addressed to him from EAS dated XX/XX/XXXX regarding a balance due to XXXX XXXX XXXX in XXXX, NY. I called the hospital 's patients accounts department, they told me that : the balance was paid at the time of service, they do not use EAS as their collection agency. I sent EAS a  certified letter stating this information, citing the Fair Debt Collection Practices Act, and told them not to contact me again. In XX/XX/XXXX I got another notice from EAS stating that our son showed a balance due to the same hospital. I called the hospital and was told they did not use EAS as the collection agency. I was routed to the agency they do use and was told there was a XXXX balance on the account. I wrote a letter same as outlined above. In XX/XX/XXXX, I received a third notice from EAS stating that my husband showed a balance due to the same hospital -- this time I did not bother communicating with them. EAS uses unscrupulous methods to try to get payment for debts not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i have spoken to all the banks that i have the problems with but they do not want to work with me, i did everything they told me, i even went to the police and is costing me a big problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: EQUIFAX, 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:
Good evening, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a XXXX XXXX XXXX XXXX. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and was told i needed a ftc report.I am very frustrated because this is affecting my credit report.I tried to add another fraudulent account to but i couldnt add it. The account is XXXX XXXXXXXX XXXX this account is as fraudulent. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I opened a checking & savings account with XXXX online and was provided with an option to transfer funds electronically from an existing account. I opted to submit {$500.00} from my Chase checking account, which was debited from my account the following day. 

On XX/XX/2021 I received notification that XXXX  was closing my account. I was instructed any deposits would be returned. According to XXXX the {$500.00} was never deposited into the account at XXXX but the funds were never returned to my Chase checking account. 

I have communicated with both Chase and XXXX over the past few months. Both banks believe it is the other 's responsibility to refund the {$500.00} to me. XXXX also believes the funds may be stuck at an intermediary bank. 

I would just like to get my {$500.00} back since it was never deposited into the XXXX account, which is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Law Office of James R. Vaughan, P.C.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A vehicle from 2017 is reporting {$0.00} balance on my credit report. I received a judgment from an attorney located in Arizona by the name of James R Vaughn who is acting on behalf of a company XXXX XXXX. This attorney James R Vaughn owns XXXX XXXX which has an office in XXXX, AZ as well as XXXX, WA. This person has threatened me with garnishments that total {$19000.00}. The legal civil limit foe a civil complaint in Nevada is {$15000.00} and an attorney can not own and operate the same collection agency that they represent. I have never had any written or oral communication with this attorney and or his collection agency therefore never having the opportunity to respond to any claims against me. I will be reporting this man to the Attorney Generals Office and the Board of Attorneys for unethical practices.

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 2022-06-15
Company: EQUIFAX, INC.
State: DE
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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 2022-01-01
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have suffered greatly as the result of Covid. Our business, which involves catering to the needs of Corporate gatherings, has gone from being very profitable before Covid to utter failure due to the lack of Corporate gatherings, conventions and so forth. We have contacted our Mortgage Servicer more than 8 times in the past 3 months. The Mortgage servicer is SLS. SLS has promised on several occasions to have one of their Mortgage Assistance Specialists reach out to us to help us understand the program and to help us work through the documentation. The have broken every promise and have left us in a very dire circumstance. It almost appears that they are purposefully ignoring our pleas both over the phone and by electronic communication. 
We have kept every communication and documented every phone call. We have a complete file documenting their failure to assist in any way. Our loan number is XXXX. Our home address is XXXX XXXX XXXX XXXX in XXXX Utah. We would love to attach communications with SLS since XX/XX/2021. We have been promised that one of their specialists would work with us directly. After more than 8 good faith attempts on our part SLS has failed to even put forth the smallest effort to communicate with us, let alone try to help us. 
We can be reached at ( XXXX ) XXXX. My name is XXXX XXXX ... my wife is XXXX XXXX. Please help us... we are scared to death that SLS has motives to foreclose on our home which is valued at {$690000.00} and has only a {$370000.00} mortgage with no other liens or encumbrances of any kind. 
Please forward an e-mail address to which we can send very compelling and sizeable documentation that SLS is not acting in good faith. 

Thanks! 
XXXX and 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 2022-01-01
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I use Square to receive payments for my candle business. Square sent a payment to a old account with XXXX XXXX ( closed XXXX ) instead of my current account which Square already have on file. I dont understand why this happened, I previously received payments to my newer account. I reached out to XXXX XXXX, customer rep advised being that my acct was closed, they sent the funds back to Square XX/XX/XXXX. Ive emailed Square several times, its been over 130 days and I have not received my funds. If a customer acct is closed with Square, they will not communicate via live customer service, instead they give you a code thru chat online, you must enter the code only to be told your acct is closed. {$63.00} is owed to me since XX/XX/XXXX, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus XXXX, Transunion and XXXX are reporting information that I do not recognize as correct, I have repeatedly sent letters asking them to report correctly, but they do not, they report some duplicate accounts and continue to say that they are correct.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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 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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-28
Company: Experian Information Solutions Inc.
State: IN
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 has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX , IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6400.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my 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

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 2021-01-22
Company: Transfinancial Companies, Inc
State: LA
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 company XXXX placed XXXX accounts on my credit report in the amounts of {$710.00} and {$950.00}. After multiple attempts to get validation of the accounts, the creditor, debt collector, and credit bureau has failed to provide proper information. I only received an Itemized summary of debt owed from the creditor, but no contractual agreement. XXXX of the summaries didn't even provide the full name of the debtor or a signature from the creditor who sent this account to the debt collector. I asked for proof of verification from the credit bureaus and they continue to verify without supplying me with anything but a copy of my credit report. They have failed to provide proper validation of these debts under the FCRA regulations. I ask that these accounts be removed promptly as it is impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/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 explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2022-06-15
Company: Experian Information Solutions Inc.
State: DE
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX XXXX Account # XXXX, has violated my rights. 

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 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