BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute multiple inaccuracies and violations of consumer protection laws that have significantly impacted my credit report. I am seeking your assistance in rectifying these issues and upholding my legal rights as a consumer. 



ALSO KNOWN AS : XXXX, XXXXXXXX XXXX  DATE OF BIRTH : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX, CA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX, CA XXXX Creditor : XXXX XXXX Violation : Inaccurate Reporting under 15 USC 1666B Creditor : XXXX XXXX Violation : Inaccurate Reporting under 15 USC 1666B XXXX OF BIRTH : XXXX CURRENT ADDRESS : XXXX XXXX XXXX, XXXX, CA XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry CURRENT ADDRESS : XXXX XXXX XXXX, XXXX, CA XXXX XXXX : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I assert my rights under applicable consumer protection laws and regulations. Specifically : Violations of 15 USC 1666B : I have identified instances where late payments were inaccurately reported despite my consistent adherence to payment terms. These actions are in violation of the aforementioned statute. 

Unauthorized Inquiries : Unauthorized inquiries were made into my credit report without my consent, violating my right to control who accesses my credit information. 

These violations have negatively impacted my financial standing and have caused undue emotional distress. I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into these matters and ensures that the relevant creditors take immediate corrective action. 

I kindly ask that the unverified and inaccurate accounts be removed from my credit report. This will allow me to restore my financial standing and pursue a brighter future. 

Enclosed, please find supporting documentation for my claims. I am fully committed to cooperating with any investigation or inquiry that may arise from this dispute. 

Thank you for your timely attention to this matter. I eagerly anticipate a resolution that will alleviate the burdens I have endured due to these inaccuracies. If further information or clarification is required, please contact me at [ your email address ] or [ your phone number ]. 

Sincerely, 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 2023-10-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my checking account was debited {$260.00} by XXXX XXXX. I called Wells Fargo on XX/XX/XXXX and spoke to a customer service rep named XXXX and explained that this debit was not authorized because I didnt have a signed lease with XXXX XXXX and I didnt have the furniture in my possession and the store had canceled my order on XX/XX/XXXX per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used information from an old account I had in XXXX to debit my account for this {$260.00}. XXXX said he would escalate to fraud department and I would hear something back in XXXX days. 

I received a letter dated XX/XX/XXXX where Wells Fargo claimed they researched my inquiry and denied my claim because the charge was an authorized electronic payment. 

I dont know what research Wells Fargo did but I didnt authorize payment for furniture that I dont have when the furniture was picked out in XX/XX/XXXX. Why when the order was canceled did XXXX XXXX debit my account. Wells Fargo is wrong to do their customer this way. Wells Fargo should have charged this amount back to my checking account. I have tried several times to get XXXX XXXX to offer a refund but they said I have to go pick up the furniture.

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 2019-11-16
Company: Experian Information Solutions Inc.
State: CA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-10-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV FUNDING LLC is reporting a derogatory account transaction on my credit report without any written consent from me. I have never done business with the company not signed any contracts with the company. The company 's actions have damaged my credit rating and affected my household 's access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage via their representative are stating multiple different things while charging for insurance they've admitted to the CFPB isn't necessary, but lied about the date the policies were cancelled.

Attached is documentation showing that they've been supplied the insurance documents prior to the commencement of the TPP and failed to update the information in their system despite claiming to " review '' the matter. It took me personally uploading it on a third-party website, which evidence is attached, to show that I had insurance going back nearly a year ago - and have never been without insurance. In fact, as the information shows, they had MULTIPLE policies on my property. 

On XX/XX/XXXX they stated " The breakdown of the trial payment is Principal and Interest : {$2100.00} and Escrow : XXXX. The account will be escrowed for the taxes and insurance both even you pay your own taxes and insurance per investor guidelines. If you would like to send a copy of your homeowners insurance policy to us to ensure that we have the correct policy on file you can. If the trial plan is successful and a permanent modification is entered into, the foreclosure judgment will be vacated and the foreclosure dismissed. '' As they indicated - they are stating that the investor is requiring forced place insurance. 

They claimed they sent the policy to be updated - they did not. As the attached images show - it was in fact NOT cancelled and was active throughout the month and doesn't " cancel '' until XX/XX/2021. 

They also are violating my religious tax exemption. My XXXX, XXXX XXXX, reached an agreement with the Treasurer in XX/XX/2021, which is shown by release of tax liens and debt. 

All parties for PHH, including counsel, are acting in bad faith. PHH own website shows the payment listed as {$3100.00} - another different amount.

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 2023-10-28
Company: Resurgent Capital Services L.P.
State: FL
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:
THEY DID NOT SEND ME NO INFORMATION ABOUT THE ACCOUNTS AND THE ONES THAT WAS IMPROPER INFORMATION DID NOT FIX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened my business, personal, and savings accounts with US bank back in 2022, in order to have an account that I can do my business through, to make a growing legacy for my family. I was getting paid through sales that are made for products that a variety of companies/businesses are buying as my XXXX XXXX supplies me with invoices regarding the transactions. I then would verify the transaction by calling the customer to talk about the sale. I would then take some of the money out of my account in order to pay vender 's that I need to pay in order to send the customer their products they purchases. 

About a week before XXXX of 2022, US bank froze all my accounts when I had over {$500.00} in both my regular checking, and business accounts. I also had {$800.00} in my Savings account, once they froze my accounts, they told me they were doing some kind of internal investigation on my accounts that were NOT a part of the US bank XXXX XXXX department. It was being investigated by a team that they would not disclose information with me about, nor have they ever told me anything they found ( if anything ). I have called them to talk with the branch manager, and continue to wait for a call back that I have not received as I asked for correspondence regarding any paperwork regarding where the remainder money that was in my accounts went? 

I and many others around me feel that US bank broke my trust with them as they took my money, did not contact me regarding why or what they did with any of my remainder balance. They continue to call and harass me trying to get me to pay for a bill that I have NO information about, they haven't sent me anything about it, and they still call me to try to collect a " so called '' credit card bill that I had with them when I was a customer, I was paying it, and nothing was wrong, Now that after the accounts are all closed, they still send me email messages to view my statements when I can't log on the the portal to check anything because they blocked me from being able to do so. They won't send me anything in my mail to correspond any information regarding this " so called '' debt. 

I believe that with the XXXX XXXXXXXX that they took from my accounts when they closed them, should have been paid toward the credit card that is in question, and my remainder balance would have been sent to me in a cashier 's check. 

Thank you ; 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 2023-10-28
Company: CL Holdings LLC
State: FL
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:
THEY DID NOT SEND ME NO INFORMATION ABOUT THE ACCOUNTS AND THE ONES THAT WAS IMPROPER INFORMATION DID NOT FIX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$370.00}

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 2019-04-30
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hi. I've been getting continues calls and letters from collection agency Radius global solutions for an old debt to XXXX which was included in a list of accounts on my credit record when I did credit repair about 3 or 4 years ago. I check my credit record often and I see no accounts on collection, my record simply appears clean in all 3 bureous, and I actually have a new account with XXXX already. That account is from around XX/XX/2012 or even before. 

I asked the person that helped me fixing my credit and he said they have no right to charge me or do anything anymore against me. So I need these people to stop calling me or sending those letters. 

XX/XX/XXXX Radius reference number XXXX CURRENT CREDITOR ; XXXX XXXX I, XXXX {$1100.00} I got another letter after that on XX/XX/XXXX offering me an option to pay the debt in 3 payments, for a total of XXXX, but as said before, I know my credit is clean and this is for a very old debt which was cleared from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: EQUIFAX, INC.
State: IN
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 have sent Equifax several letters asking the company to dispute items that are 10 years old or older. I again have received a letter back saying that I indicated fraudulent items which is incorrect. I sent letters asking to dispute student loans that are on my credit which is causing my score to be much lower than the other reporting agencies. This company is constantly giving me the run around when I write them to dispute items on my credit. Something is seriously wrong with this company and I would like a full investigation done on how the company complete request from consumers and how their computer system randomly select questions that apply to a consumers personal credit files. In my case the questions are incorrect which hinders or Interfere with my rights to get information corrected. My score is very low and it I need help with this company because they seem to be purposely interfering in my disputes. I am uploading another letter that was sent to me which has nothing to do with the letters I sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: COAST PROFESSIONAL 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:
In accordance with the Fair Credit Reporting Act, the following accounts COAST PROFESSIONAL INC account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions 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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2021-02-08
Company: Westlake Services, LLC
State: KS
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX/WESTLAKE FINANC add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXXXXXX XXXX  add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX with account number XXXX This account is listed as being 90 days late. I have never been late on this account. 
In accordance with the Fair Credit Report Act, 15 U.S.C 1681a ( 2 ) Exclusions : ( A ) ( i ) states report containing information solely as to transactions or experiences between a consumer and the person making the report. 

Therefore, any transactions SOLEY made between a consumer and the company CAN NOT be reported on the consumers credit report. I have included this section from the FCRA along with this letter.

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 2023-01-13
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, On XXXX XXXX XXXX I woke up and saw that two unauthorized charges had been made on my Apple credit card at XXXX XXXX, one for {$310.00} and one for {$310.00}. I reported both these charges and froze my card immediately. Apple said they would dispute them and would get back to me in 90 days with the decision. Yesterday ( XXXX  ) I received an email saying that they had determined the charge for {$310.00} was fraud and I received a refund to my credit card. Today ( XXXX ) I received another email for the {$310.00} charge saying that they determined it was not fraud and I was responsible for paying the full amount. I re-disputed the charge and was informed that it will be another 90 days until I hear back. Their policy states that no one is responsible for any unauthorized charges to their card, which was both of those purchases. I do not understand why one was determined to be fraud and the other wasnt when they were both made at the same time with what I am assuming was my stolen credit card number. I also am extremely concerned about this and will not be using my Apple card ever again because I do not want to be held responsible for potential fraud charges. Ive had this card for over a year now and this is the first time Ive ever had a fraud charge on it.

Company response to consumer: Closed with monetary relief