BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: Experian Information Solutions 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:
There are 2 accounts that are reporting inaccurate late payments. The following accounts are : Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} ( XXXX, XXXX, Experian ) Dept Ed/XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} ( XXXX, XXXX, Experian )

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 2020-11-11
Company: Experian Information Solutions Inc.
State: MI
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bure are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$2800.00}

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  Account # XXXX, has violated my right 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 SECTION 602 A Section 2 : it also states a consumer reporting agency can not furnish a 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 2022-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo held the mortgage on two of my homes. They denieD loan modifications, keys in deed of lieu or short sale three times in a row on both properties beginning XX/XX/XXXX through the later part of XXXX. 
One home located at XXXX XXXX XXXX, XXXX XXXX, ca XXXX was foreclosed by Wells Fargo around XX/XX/XXXX. 
The other home located at XXXX XXXX XXXX in XXXX XXXX ca XXXX, Wells Fargo continue to deny all options including short sale. Then in XX/XX/XXXX Wells Fargo sold/transferred the mortgage to XXXX XXXX and XXXX XXXX XXXX whom in turn followed suit with Wells Fargo and denied all options to loan mod, keys in deed of lieu or short sale and proceeded to foreclose on XXXX XXXX. 

So for a SOLID YEAR between Wells Fargo and XXXX XXXX XXXX Servicing the borrower was BLOCKED from any and all pathways to relinquish either of the two properties mentioned above until the lenders saw timing fit for their personal gains at the borrowers expense. 
Wells Fargo and XXXX XXXX did not follow the rules for foreclosure. They kept denying me the borrower any work out or short sale for a year and yet continuing to postpone the foreclosure date and adding additional fees. 

So I was forced to keep both houses in my name, denied a work out plan or short sale and continue to accumulate fees FOR ONE YEAR. This is an EGRIGIOUS ABUSE OF POWER! 

Between on or about XX/XX/XXXX to XX/XX/XXXX Wells Fargo held me tied to this property for over a year, they refused loan mod, they refused keys in deed of lieu, and the denied to allow me to short sale 3 times in a row and in each case Wells Fargo said that I qualified for short sale the relators also were approved for short sale with Wells Fargo. 
Then Wells Fargo sold the property toXXXX XXXX and XXXX XXXX XXXX in XX/XX/XXXX. 
Then XXXX XXXX and XXXX XXXX foreclosed on XXXX XXXX Then in the summer of XXXX the house sold. 
I did not receive any of the proceeds from the sale of that house. 
It is clear that the reason I was held in the mortgage was to allow time for the lenders and investors determined how much time would be needed to pad the bill with fees enough to justify keeping all proceeds from the sale of the home and stick it to the borrower for taxes on the sale. 
This is an EGRIGIOUS ABUSE OF POWER!! 
I am requesting a qualified written review and to receive proceeds from the sale of the property.

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 2020-06-19
Company: Experian Information Solutions 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:
There are several items that are inaccurately reporting on my credit file. The following items are reporting either in error or as a result of identity theft : Incorrect Name : XXXX ( XXXX  is reporting this incorrect name spelling ) XXXX  - XXXX XXXX - According to XXXX Open date XX/XX/XXXX and According to Experian Open date XX/XX/XXXX Bal : {$740.00} XXXX XXXX - XXXX ( reporting on XXXX, XXXX, and Experian ) XXXX has an opened date of XX/XX/XXXX and Experian and XXXX  has an opened date of XX/XX/XXXX. 

Unauthorized Inquiries : XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX ( 6 times ), XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX/XXXX, XXXX ( 2 Times ) I was never late on my XXXX  XXXX XXXX XXXX in XXXX or 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 2020-11-08
Company: Nationwide Recovery Systems, Ltd
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have relocated to the West Coast and the debt company had my current address as it was verified when I called them. However, they called repeatedly around XXXX and XXXX XXXX. This I am aware is a violation of FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: PA
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 writing to demand removal of late payments from my report. This is a violation of both 15 usc 1666 and 15 usc 1681a2 ( a ) ( i ). These unauthorized reports of my personal private and financial information is both illegal and inaccurate and are of no standing to my credit worthiness. I am not asking for validation or verification simply a removal of the late payments as required by law. 

The fair Credit reporting act aims to respect the rights of consumers and i thank you for helping me do that. A rapid rescore would be much appreciated as well thank you for your time.

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I currently have a home mortgage with WELLS FARGO. Due to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As such I had my mortgage payments deferred. Upon attempting to restart my payments I have ran into issues with said bank. 

I was advised by my accountant to apply for the VA XXXX XXXX. Which takes the missed payments, adds them to the end of the loan in months, does NOT change the APR or monthly payments. 

When I attempted to start the process of paying the monthly mortgage again I was told by a WELLS FARGO employee that " You do not have a choice in what program you get. '' I was " reviewed '' for several programs and after some time WELLS FARGO contacted me and offered me a Loan Modification, a restart of the loan to XXXX  years and an XXXX increase to XXXX XXXX I have not been told by WELLS FARGO why I have no choice in what program i can choose. 

During this process I paid my mortgage payments for XXXX, XXXX and XXXX totaling {$1800.00} a month. In XXXX I attempted to pay another mortgage payment and was told " we can not accept your mortgage payment. ''

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 2023-07-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Money was sent from Chase bank to XXXX to make a payment on a XXXX credit card using Chase online bill pay services. The payment was sent on XX/XX/XXXX in the amount of XXXXXXXX XXXX and XX/XX/XXXX in the amount of XXXX XXXX The payments made did not go to the correct account number at XXXX and they claim that the money was sent back to Chase on the day it was received. Chase claims that they have never received the money back and it has not been deposited into my account. I have spent 20 plus hours dealing with both companies and neither of them can tell me where my money is at. XXXX is claiming that it could be the third party processor of chase that has the money but again Chase does not have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company, XXXX XXXX have collection in my credit file. This is suppose to be from Capital One. I have never had credit card in question. I have ask for any written document that shows my signature but they have failed to provide any evidence. I have filled two identity theft with FTC and have submitted that to them. I have also filled a copy from another company but still they are still have this collection on my file. I have send a copy of my lease indication where I have resided since 2000 and still no respond. My next move is to file action against these company in Small Claims Court. I will mail copies of my lease and some more documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: OH
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 received a copy of my credit profile just recently there were accounts, addresses, employment information, and several different phone numbers I did not recognize. I first did a police report also a FTC report to report I was a victim of identity theft. Then, I sent the information to all XXXX credit bureaus. I was told I had to dispute this account which I did and each time it comes back saying verified. Then I started asking how is this account being verified if this is not mine? With no response back just each time verified. Each time I'm sending in a debt validation letter with no response other then this document that I've enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Adler Wallach & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A purchase was made for a medical devices from XXXX  XXXX XXXX on XX/XX/XXXX for the amount of {$280.00} and {$360.00}. I made neither of these purchases. The listed recipient for these purchases utilized my name and date of birth. The accounts went to a collection agency ( AWA COLLECTIONS ). I contacted AWA COLLECTIONS ( XXXX ) in XXXX and XXXX of XXXX to dispute the fraudulent accounts. After speaking with a AWA representative I learned that the recipient listed a California home address in XXXX. I am not a resident of California and have lived in Texas since XXXX. She also mentioned that my date of birth is listed. However, she informed me they didn't have a social security number on file, which she stated was 'odd '. 

Next, I filed a dispute with all 3 credit reporting bureaus pertaining to the fraudulent derogatory accounts. They were removed from both XXXX  and XXXX but remain on my XXXX credit record. I contacted XXXX  and inquired about a status update. The XXXX representative informed me to file a fraudulent claims report with the Federal Trade Commission and provide the report along with proof of identity ( Drivers License ), and re-dispute the claims today. I have re-disputed the claims with XXXX as instructed and uploaded my Drivers License to XXXXupload. 

I have also activated a Fraud Alert with XXXX to further protect my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
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: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-05
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: Account information incorrect

Complaint:
Ever since my credit has been reported, it has been incorrect. I have attempted to fix it at various points in my life. However, the companies refuse to take any action. I have called, repeatedly, I have sent correspondence to confirm inaccuracies, repeatedly, but the companies continue to treat me as if I am lying about my own situations. My situations with the credit agencies has been heavily documented by myself and their agencies. I have a copy of each time I have attempted to repair inaccuracies on their part, but nothing has changed. The fact is, ever since I XXXX XXXX XXXX XXXX, the agencies have placed more and more obstacles in my way. Since the beginning, I wanted to use my XXXX XXXX to build wealth and fix problems. Once the debt collection community, business community, and others saw my tenacious spirit, they have done nothing more than heckle and make it even harder to reach my full potential. As I have stated in all of my other complaints, I refuse to let them continue to dictate the direction of my life now, and at any other point in my future. 

Transunion customer service is garbage. I've talked to other people of other ethnicities, other ages, etc. and I know, FOR A FACT, they do not treat all similarly situated individuals the same. For this, I am ashamed of their inability to follow through with the requirements of the FCRA. This is not, currently, a class action suit, but, I have enough know how, and backing to make it one.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
My name is 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 reportsno consent is fraud. 

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 2020-06-19
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/20 : I received a notification from my credit monitoring service that there was a new collection on my account by sequium. 

On XX/XX/20 : I called sequium paid off the entire amount in full, eventhough I never received written notice of the debt or it was going to be reported to my credit bureaus. I was told by the representative that it will be deleted from the 3 credit reporting agencies within a week and I should receive a letter in my email stating the debt was paid in full. 

On XX/XX/20 : I called sequium back and spoke to numerous persons on the phone. I was actually hung up on twice. I told the customer representatives that I never received the letter of paying in full as promise and I asked how long would it take for sequium to remove this collection off of my credit reports. They said they do not remove collections off of credit reports, eventhough they are the ones that reported them. 

I also told them that I didnt receive written notification about the debt prior to it being reported to credit bureaus. So, I could atleast review the debt or dispute it. They failed to comply with FCRA ; after stating this to one of the customer service representatives. I was told to email them as to why it should be deleted and to write that I didnt receive written notification and they were not complying with the fair credit reporting act. 

I still havent received any definitive reply stating that when the collections will be removed off of my credit.

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