BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Reporting inaccurate information The Credit Bureaus NEVER Did Proper Investigation according to the FCRA The term investigation consumer report means a consumer report or thereof in which information on on a consumers character, general reputation on, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information on. 
They did not do this. 


Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!! 
The credit bureaus stated this account was properly inves : gated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL!! 



They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer repor : ng agency can not furnish an account without my written instructions on.

I myself did not given anyone consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. The last one being sent to Experian on XX/XX/2022 with complete attachments of my personal information including the Police Report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-26
Company: EQUIFAX, 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 5th 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX CT XXXX XXXX NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX  XXXX Balance : {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Tuesday, XX/XX/XXXX, I received a letter in the mail from Wells Fargo Bank that {$50.00} I had in a checking account with them was being sent to unclaimed property since there was no activity with the account and they had not heard from me. I also had a mortgage with Wells Fargo, and the {$50.00} in the checking account was required when opening the mortgage account 6 years ago to the month. When I've look at my account online over the last 6 years, all I can see are my mortgage accounts and not this checking account. 

The transaction date listed in the letter is XX/XX/XXXX and I did not receive the final notice in the mail until XX/XX/XXXX. I contacted Wells Fargo on Tuesday, XX/XX/XXXX in the evening and they told me they had notified me numerous times by mail that my account was going to be closed and sent to unclaimed property. I was never contacted by letter, email, or phone call and this was the first notice I received. 

I contacted the unclaimed property XXXX in West Virginia that Wells Fargo referred me to on Wednesday, XX/XX/XXXX to reclaim the {$50.00} that Wells Fargo sent to unclaimed property without notifying me or my permission. I now have to wait at least 6 weeks to initiate a claim and even longer to get the {$50.00} back.

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 2022-11-30
Company: EQUIFAX, INC.
State: NC
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company is requiring a " cushion '' in my escrow account, which is causing the payment to be much less affordable. Per RESPA guidelines, the company is allowed to implement a cushion comprised of two months of escrow payments, but they are not required to do so. In order to pay my mortgage without undue strain on my finances, I have respectfully requested Wells Fargo waive the requirement as a courtesy. I was continually lied to on the phone by agents of Wells Fargo, who stated that the cushion was required under the law. I advised them this is incorrect, and that it is an internal business decision to require the cushion. My call was escalated to an escalation team, and after speaking with an agent named XXXX, was advised after no contact for two weeks that they flatly denied my request, providing no other reasoning other beyond " other servicers may have different requirements but Wells Fargo requires the cushion. '' I do not dispute that there was an increase in the amount of my escrow obligation, but the requirement of the " cushion '' is not federally mandated, and it is fully within the ability of the company to waive the cushion in order to better accommodate the needs of one of their customers. I have been nothing but respectful in my interactions with the company, and yet now they leave me out to dry. I need assistance so that I can continue to pay my mortgage. I am a first time homebuyer, but have years of experience in the mortgage industry, and it is shameful the way that Wells Fargo treats their customers, especially in light of their XXXX XXXX dollar settlement due to unfair practices. You'd think they would like to help their customers in order to raise their respectability in the public eye, but it turns out that is not the case.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report. Thank you.

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 2022-08-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed it over 36 days ago and the required notice of dispute is missing. That indicates that there was not a proper investigation. Delete these account for failure to perform investigation per fcra regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed the following accounts on [ XX/XX/2022 ], in which Equifax received ( XX/XX/2022 ) The following accounts listed has been illegally reaged in an attempt to damage my credit report. 

I want these accounts deleted because the date last active column is inaccurate and has been reaged. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive attached appropriate documents to back up my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX. 2022, I deposited into my Regions checking account a {$500.00} check from a client and a {$500.00} money order issued by the XXXX. A 10-day deposit hold was put on both. 

I was told there was nothing that could be done and interest would not be paid. 

The Money Order issued by the XXXX is not a deposit instrument and 3 days is the limit the bank has to pay this. Their reason for holding both? They might not get paid. 

I have never bounced a check at Regions, they have no reason to hold my deposits.

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 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2018-05-24
Company: United Credit and Collections Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had disputed this alleged debt with the credit bureaus and the account was removed based off of the investigation. A couple weeks ago i got a call from this collector and the lady on the phone who was very rude stated that the account was back on my credit and that i should check my credit. Well i just checked it they have illegally put this account Back onto my credit. This is a violation of 15 USC 1681 i. I never got any letters stating that this account would be reinserted in my credit report. The collector has also been harassing me.

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 2023-09-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
ON MY ACCOUNT THERE WAS A NAME XXXX XXXX WAS ADDED TO MY ACCOUNT WITHOUT MY CONSENT ALSO THERE WAS CHARGES RACKED UP ON THE ACCOUNTS AND I DID NOT ADD THEM TO MY ACCOUNT IN TRYING TO WORK WITH THE BANK TO REMOVE THE NAMES AND FIX THE AMOUNT ON THE ACCOUNT ENDING IN XXXX {$20000.00} ALSO ACCOUNT ENDING IN XXXX {$10000.00} IN CHARGES WE DID NOT MAKEON THE ACCOUNT IT WAS ALL MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT. THERE WAS UNAUTHORIZES CREDIT CARD CHARGES ON THE ACCOUNT, ALSO SOMEONE WAS ADDED TO MY ACCOUNT WITHOUT MY PERMISSION I TOLD THE CRDIT CARD COMPANY AND THEY ARE NOT TRYING TO FIX THE FRAUD ISSUE. IDENTITY THEFT WAS TAKING PLACE ON MY ACCOUNT PHONE NUMBER EMAIL ADDRESS SOCIAL SECURITY NUMBER DATE OF BIRTH WAS USED TO MAKE FRAUDULENT CREDIT CARD IN MY NAME IT WAS ALL MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT AND CLOSED ACCOUNTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 EQUIFAX MORTGAGE SOLUT 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 2022-07-14
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was charged by XXXX XXXX XXXX in XXXX of 2021 and the debt went into collections. I WAS NOT INVOLVED WITH XXXX DURING THIS TIME. it has been almost 20 years since I was in an ambulance and the debt was paid in full. Now this new account opened up with my name, my SSN and an OLD address of mine. THIS DEBT IS NOT MINE AND XXXX FAILS TO CORRECT THIS. XXXX and XXXX have removed this debt. The collection agency is BAY AREA CREDIT SERVICE. Please help me to get this debt off my credit report.. IT IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NV
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 brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA 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 2022-03-27
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid off the debt in a settlement with the company, Bay Are Credit Service, formerly with XXXX XXXX XXXX. It was for two ambulance bills totaling {$400.00}. I called them to settle and we paid I believe {$220.00}. I cant search for the paperwork right now because my husband just died in XXXX and I have had XXXX for three months. It was off of our credit report for a long time and last year started showing up on our report again. I started protesting it through XXXX and XXXX last year and I keep getting back that the debt collector states it is a valid debt. I havent called the company because I know that if I call them it will be on my credit report longer. It is harming my credit. To have this on there and I definitely cant afford to pay it off. I am so frustrated that they arent doing what they are supposed to do and live up to their end of the bargain as I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Self Financial Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Self lender is reporting late payments to my credit report even though the account has already been closed and paid in full. They have made errors in the past resulting in multiple accounts being reported to my credit report. They keep sending me emails trying to collect on debt that i do not owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
account has no details shown for XXXX XXXX. In attempt to resolve account with reporting bureau has remained unsuccessful

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 2022-02-20
Company: HOVG, LLC
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation