BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX. ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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 the 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 2 : 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 purpose.

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: West Realm Shires Services Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
West Realm Shires Services, XXXX  FTX.US, and/or XXXX XXXX  XXXX XXXX cash funds that belong to me, without communicating in any way when they will return my funds. 

I initiated a withdrawal for XXXX {$25000.00} on XX/XX/XXXX when I heard the FTX XXXX was having issues. Out of an abundance of caution, I initiated this withdrawal through XXXX cash to my bank account, even though the company was saying at the time there were no issues with FTX.US and all withdrawals were functioning as normal. I never received my money so it is still in the custody of FTX.US. This is a significant amount of my life savings and money that I need in the short term to pay for housing, food, expenses, car, etc.

In the FTX.US terms of service, it says very clearly that all cash and funds held in my name/account on the platform was NOT the property of FTX.US and belonged to each user/customer. There is a CLEAR breach of service, and I have not received my withdrawal almost 2 months later. Furthermore, the FTX.US app showed the funds as " SENT '' but clearly they were never processed because I never received them. 

These are funds that belong to me, were being held in a custodial arrangement on my behalf, and were withdrawn PRIOR to bankruptcy, fully within the Terms of Service of FTX.US. I withdrew from my cash account balance via the FTX.US desktop website, via XXXX separate ACH transaction for XXXX {$25000.00} to be sent to my bank account at XXXX XXXX XXXX following the FTX.US guidelines, instructions and terms of service on XX/XX/XXXX, 3 days prior to FTX.US declaring bankruptcy on XX/XX/XXXX. 

At the time, FTX.US openly stated on their official website and XXXX page that withdrawals were fully operational and processing. At the same time, there are numerous reports of others successfully withdrawing from their FTX.US accounts. Per my account on both the FTX.US website and app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via FTX.US support directly that my ACHs were being sent. I have yet to receive my funds. 

The FTX.US terms of service clearly state that my XXXX Dollar account balances would be held for my benefit at XXXX XXXX  ; Your FTX.US Account allows you to hold and transfer US dollars which are held by FTX.US for your benefit at XXXX XXXX  the extent you hold XXXX  XXXX balances ( and such balances are not held in XXXX or other investments ), those XXXX balances are held in customer XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXfor customers of the FTX.USas of XX/XX/2022 ). I have reached out multiple times, to multiple contacts FTX.US and I have yet to receive any response at all from any of these parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been Negotiating the Short Sale with 1 point of contact for since XX/XX/2018 and on XX/XX/2018 I was asked to resubmit the Entire Short Sale packet which was confirmed received. I have been calling for the last 2-3 weeks and speaking with different individuals who never once mentioned that the Short Sale was closed out until today XX/XX/18. also, they have filed for a Foreclosure Sale date on XX/XX/2018. The reason SLS States that it was closed out was that they could not verify the Successor in Interest ( letter attached ) which makes absolutely no sense since they were provided with the Letters of Testate from the Probate Courts on the XX/XX/XXXX. What shocks me is that nothing was ever mentioned until today. I'm sure that if I re-submitted the paperwork they would tell me that it was too close to the sale date and nothing could be done. Also, the Probate Administrator ( Successor ) filed a complaint with the CFPB about the Valuation being Incorrect and requesting an appraisal as oppose to a Brokers Opinion of Value. ( see Complaint # XXXX ). Nothing was done other than waste time intentionally. I verified with the home owner and they stated that they spoke with CFBP and were told that the lender hadn't responded and they could not help her. This seems like a Huge Scam on the Part of XXXX. I requested a copy of the Denial Letter that was only mentioned to me today and as the point of contact I think a simple Email or Phone call regarding the denial would have been helpful back when it was submitted. The letter is Dated XX/XX/2018. I am going to have an attorney step in to put things in order with this Lender. SLS had recently changed over to a different system so they mention but that is no excuse to what seems to be Deliberately stringing this along in order to foreclose on the property. Be very wary with Specialized Loan Servicing as they are not conducting Business Fairly and all should be able to see this complaint and use it as a reference when dealing with SLS. I'm certain they will do the same and not respond to this complaint like they did with the other complaint attached.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2022-11-03
Company: TD BANK US HOLDING COMPANY
State: NC
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:
Credit application on XX/XX/2022 from a TD CARD SERVICES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hi I'm attaching a document for incorrect information reported on my credit report. Attached are two supporting documents stating that a payment was scheduled to be made XX/XX/XXXXout of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, we recently requested a refund on our loan from Nelnet servicer and was promised the process would take 4-6 weeks. However, it has been past this amount and after contacting around 5 times already, the process continues to be pushed back by their representatives. We applied in late XXXX and each representative continues to state a different statement about the status of our request. After our first email, we havent had an email response from this company since the first.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got repeated calls from a company that only identified themselves as " XXXX '' wanting to discuss a personal issue with me, but before they would discuss it I would have to provide personal identifying information such as a birth date. I refused on the grounds I do not give out such information to strangers on the phone and hung up. These calls persisted and they would never tell me what it was about. At some point I discovered XXXX was a debt collector and called them. I instructed them that pursuant to the Fair Debt Collection Practices Act, XXXX was to ONLY contact me by mail in writing and not to call under ANY circumstances.. They never contacted me by mail, but continued to call, contrary to my recorded instructions. On XX/XX/XXXX I again called XXXX and repeated my instructions, pursuant to the Fair Debt Collection Practices Act, to contact me by mail. I did not receive any mailings, so I called XXXX today, XX/XX/XXXX, and asked if they had mailed me anything. The answer was NO, even tho they had promised to do so on XX/XX/XXXX. 

XXXX is violating the Fair Debt Collection Practices Act by repeatedly calling me after being instructed not to do so.

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 2023-05-22
Company: Experian Information Solutions 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:
15 U.S. Code $ 1681c-2 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 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to 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 lam demanding the deletion of the accounts listed IMMEDIATELY! 
XXXX XXXXXXXX Miscellaneous and public record XX/XX/XXXX XXXXXXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dealers, Used XX/XX/XXXX Experian XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX non specific XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, XXXX XX/XX/XXXX Experian XXXX XXXX Automobile Dealers, New XX/XX/XXXX XXXX XXXX  Tenant Screeners ( Reseller ) XX/XX/XXXX Experian XXXX XXXX personal XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE SEVERAL CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AND DID NOT AUTHORIZE. THE INQUIRIES ARE BELOW. 
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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2021-12-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for XXXX days without pay. I called XXXX XXXX to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following XXXX which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan XXXX informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my XXXX money deposit. I called XXXX XXXX and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All three credit reporting bureaus, XXXX, XXXX, and Experian, list several incorrect variants on my name in my credit reports. In some cases, these variants conflate my name with my husband 's first name ; in others, letters are missing and spaces are inserted ; and in others, my first, middle and last names are out of order, or are misspelled.

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 2023-01-17
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I notified companies that reported to the credit reporting agencies that there was fraud committed about my credit that they reported.However these concerns went unresolved and more fraudulent actions were taken against me. I sent registered letters explaining that I had never used or made any transactions nor permitted any one else to make any transactions, and that I requested any and all information including a original contract signed by me also all receipts signed by me that was used against my credit any payments that I made concerning these fraudulent accounts. I explained that I would gladly payoff these accounts if they were mine if they can produce the things I requested to prove that I am responsible for these debts. All of these complaints and letters have fallen on deaf ears

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2022-03-09
Company: WELLS FARGO & COMPANY
State: CA
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, XXXX representative came out to price me on a project and to establish the financing. Approaching XX/XX/XXXX ( scheduled date of install ) I was given an appointment reminder and asked to review the financing aspect. Thats when I found out XXXX fraudulently got a credit card made in my name without my knowledge with Wells Fargo ( WF ). All of their advertisements also only stated 0 % APR for 18 months, and their rep NEVER disclosed establishing financing by creating a new credit card. I even adamantly asked about the type of financing ; I never would have signed off on the creation of a new credit card, therefore, the WF credit card was fraudulently created. I had worked with both companies to close the WF account and to get it removed from my credit report. Only the closed status was updated ; neither company has helped to get it 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