BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : # XXXX, has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: WELLS FARGO & COMPANY
State: FL
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:
Good morning, My name is XXXX XXXX XXXX XXXX I'm writing this email regarding a Scam/Fraud that happened on my Wells Fargo checkings account last sunday XX/XX/2023 for one transaction of {$4.00} under the name of a XXXX XXXX XXXX ( whichdoes not exist anywhere ) and its address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another one for {$1.00} under the name of XXXX XXXX and its address : somewhere in XXXX XXXX at the same time of the previous transaction. At the same time I was charged on my XXXX XXXX card under the same XXXX XXXX XXXX, but they investigated and already refunded the amount of the fraud and at that exact moment I was charged on my XXXX card multiple times from the same scammer XXXX XXXX, and they already investigated and refunded the amount as well. 
I went to the XXXX XXXX Police and showed a detective officerevery evidence about this case.The police report number is : XXXX District/Unit : XXXX Rank/Officer ID : XXXX XXXX Police Telephone : XXXX The same the day that I saw all this transactions when I woke up and when I realized those frauds and emails I received I started calling all of the banks to let them know that it was not me and did not authorize those scams. Im good with XXXX XXXX and XXXX, their investigation team did an amazing job and refunded me all the amounts. On the other side, Wells Fargo was different. 4 days later after I filed a claim I called them again to know about my situation and to know where's my hard- earned money. This lady of the XXXX XXXX XXXX Wells Fargo Department that I was talking to, named XXXX, she said to me that the Bank denied my claim and there is nothing they can do, even tho I told them that i did not authorized those payments and how could I spend all my money in one transaction even tho if wanted too i could not, I have to eat.. and if it was that simple for them to deny a claim and that is it, I loose all my money, and yes, she replied that she was sorry but the team did not find any suspicious activity and again that the case was denied. I replied saying that XXXX XXXX and XXXX solved my problem the next day, and again she replied that there is nothing else they can do. That I can go to the scammer 's stablishment ( which does not exist because i looked it up on google ) and ask for a refund ( very uninsterested from her and frustating moment for me ) That same day is the day I went to the XXXX XXXX Police to open an investigation and file my claim to the detective mentioned before in this letter. And for this reason I am seeking 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 explanation
Consumer complaint received 2021-03-16
Company: EQUIFAX, INC.
State: NJ
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 was looking forward to buying a new home when seeing my credit report and seeing a installment loan was made in my name that i had no knowledge of this is stopping me from moving forward with my life as a whole Equifax, XXXX, XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and refusing to uphold the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 XXXXXXXX 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 2019-03-29
Company: Lotane & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Lotane and Associates contacted me on my cell phone and threatened that if I did not pay the medical bill I would be arrested or would take action to seize my property. They have stated this to me over the phone on 5 separate occasions. I do not own a home. 

Lotane and Associates state they tried to summon me to court. They said they came to my home and my landlord said I did not live there. That is not true and never happened. As my landlord does not live at the home. They stated in the documents presented to the courts that my landlord told them this. They went to a place I have never worked and tried to serve me. Meaning they falsified the court summon document. 

The debt is not on my credit report nor did I ever get a bill as my insurance company paid for the emergency room visit. I pulled my credit report on XX/XX/XXXX and it is not on XXXX, XXXX, or XXXX. I called the hospital and there is no record of a debt for the same amount as my insurance paid for the emergency room visit back in XXXX of XXXX. 

In good faith, I went to mediation with them as they are balance billing above what my insurance paid tacking on ridiculous amounts for which my insurance has already paid. This is an illegal act in Florida. I now have a court date on XX/XX/XXXX and I am being intimidated to pay even though we have a court date set they are still threatening me to take me to jail. I offered to pay them XXXX to get them to leave me alone and they denied that they would accept anything less then 80.00 a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
There is incorrect information regarding this account on my consumer report. I did not purchase a loan.

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 2023-01-10
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:
Im 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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXAcc # XXXX XXXX Financial-Acc # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX5 U.S.S 1681 ( a ) ( 5 ) section : 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 antedated the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knowns 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 2021-03-17
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Collection Services has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. I didnt know I was getting billed and there was anything due. I was charged incorrectly. 

Account information : Account number : XXXX, date Opened : XX/XX/2020, original balance : $ XXXX.Your company is committing multiple violations to the CCRA. Please read them carefully : Re-aging account. 
Reporting an incorrectly charged-off account. 
Unfair business practices. 
Failing to report correct last activity date. 
Negligence. 

This situation is very stressful and I am just asking for what is fair. I need you to take this matter seriously. I demand to get the account removed from all three credit bureaus. 

Please send the attached document to the company. 

Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong name, address and phone numbers

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 2022-04-15
Company: Experian Information Solutions Inc.
State: NY
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 an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2018-09-12
Company: Carvana Group, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello, Contacted XXXX XXXX XXXX XXXX XXXX   after experiencing multiple problems with a car purchased just shy of a year ago. The warranty was purchased as an extended warranty, to cover the cost of anything that could go wrong. What happened is one day my car started and the screen that displays radio, air conditioning, and back up camera did not work. I called to see what to do and XXXX XXXX told me to take to a dealership for diagnostics. After being diagnosed, my car needed a new battery harness, which connects to the computer of my car. Due to a malfunction within the cable itself. This may have caused signal to go out to the radio module. XXXX XXXX declined completing the work order and referred me back to carvana. Carvana then told me they would take care of me and not to worry, they just needed the complete diagnostics from XXXX. After connecting with them apparently they decided they are unable to fix this. Its outrageous. During multiple times not only did XXXX XXXX tell me they would fix it due to the items not being on an exclusions list so did carvana. 


Attachments ; photo from Wesite stating what XXXX XXXX entails ; photo of exclusions from extended warranty, photo of email denying coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on Friday XX/XX/23 my phone alerted me to a transaction of {$100.00} which i quickly grabbed my phone to see what was going on and while in the process of turning off my phone another charge or the same amount attempted but I was able to block it via the chime app I then Immediately contacted chime because the alert was for an Atm cash withdrawl but all it said was XXXX XXXX XXXX I knew I did not make this transaction but was told I have to let it process then chime support will be able to tell me who what when etc. so on Sunday XXXX the transaction was no longer pending so i contacted them again and a dispute was opened I woke up at XXXX Monday morning to a denial email but zero information other than denied claim so i reached out to them again and of course to repeat the same action but this time was told they noted the account so that the investigation team will send all found details regarding this transaction well at XXXX this morning another denial but this time an attachment that shows the amount taken nothing further so i again i called back with XXXX simple request can you tell me where the money went or and ATM address at which they acknowledge they don't have that information but then how can you still say no error found its ridiculous

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Inaccurate information being reported on my credit report which Transunion refuses to investigate and delete due to it being inaccurate also has the incorrect spelling of my name which is XXXX they have it being spelt as 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 2022-09-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have mailed in several disputes to XXXX, Equifax, XXXX disputing derogatory accounts that are not mines, I filed a FTC report, Credit reporting agencies response is VERIFIED, I mailed a request for verification and have not received anything, please help. 
I have been denied credit because of the inaccurate information on my credit report that is not mines, the credit reporting agencies is not accepting the fact that this identity theft, they are in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: ADIR INTERNATIONAL LLC
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to head off a disaster of not being able to pay my mortgages on two properties. 

Summary : I am XXXX years old and XXXX. These investment homes are my retirement. Lender Mistakenly Paid My Property Taxes For Two Properties I Own When I Pay Them Directly to County - now Lender is demanding I repay them via Escrow which means I'd double pay the property taxes. I can not afford the monthly escrow demand and I will default on the loans. 

I own two rental properties in the City of XXXX, XXXX XXXX S.C., XXXX I pay the property taxes directly to XXXX XXXX annually. I was late paying the XXXX taxes and arranged a monthly payment plan with XXXX XXXX which I have been paying in good standing. 

Mr. Cooper was the Lender Servicing Company - they transferred the loans to RightPath Servicing, a Division of Mr. Cooper in XX/XX/XXXX. 

At the time they transferred the loans to Rightpath, they mistakenly paid my property taxes to XXXX XXXX without contacting them or me - therefore they didn't know I am paying the property taxes on a monthly plan. 

Rightpath is now demanding I pay the annual property taxes via escrow which would mean I'm paying the property taxes twice! 

I never had escrow accounts with these two loans - I always have paid the property taxes and insurance directly. they want to charge me in escrow. 

The way they're structuring the property taxes in the escrow is so exorbitant that there is no way I will be able to pay the monthly payments. My {$810.00} payment is going up to {$2900.00} ( {$2100.00} in monthly escrowed property tax ). The other mortgage is {$620.00} and it's now going up to {$2200.00} ( {$1600.00} is monthly escrowed property tax ). 

I used to pay {$1400.00} per month for both mortgages. 
Now they want {$5100.00}! -- based on their mistake. 

Meanwhile I'm paying XXXX XXXX {$1400.00} per month for both properties, which Righpath has not taken into account. 

I ABSOLUTELY CAN NOT AFFORD TO PAY THESE MONTHLY PAYMENTS WHICH ARE DERIVED FROM THEIR MISTAKE. I WILL DEFAULT ON THE LOANS AND LOSE THE PROPERTIES. 

They use a third party company XXXX to deal with " customer service '' issues regarding escrow and even though I've called multiple times and complied with their requests such as sending them a copy of my payment plan contract with XXXX XXXX and explaining the situation in letters THEY DO NOT RESPOND TO ME, let alone resolve the situation and delete the property tax demand from the escrow accounts. 

Also I was promised the escrowed taxes would not begin until XX/XX/XXXX which they told me would give them time to resolve things but now I see they are demanding the payments in XXXX. 

I will lose my investment homes if this is not resolved. I'm XXXX years old and XXXX. This is my retirement. Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Staring in the beginning of XXXX, XXXX I contacted KeyBank, NA informing that I hadn't received a Form 1098 which is needed to show the interest I paid during XXXX for the purposes of filing my tax return with the IRS. I spoke to someone who identified as in the Executive Offices of KeyBank N.A. He said he would mail it to my bill paying service address at XXXX, an address in South Dakota which is where the bill is sent every month. My home address and the home that their mortgage covers is XXXX XXXX XXXX XXXX, XXXX, NY. He also said if I wanted to get a copy quicker I could go to a bank branch but that he would see that it got mailed. I went to a KeyBank branch on XXXX XXXX in XXXX and after about 20 minutes of trying the branch manger said that the system would not allow him access to a Form 1098 on my account so that he couldn't print it.. On XX/XX/XXXX I e-mailed the KeyBank complaint web site ( copy attached ) and said I hadn't received the form. On XX/XX/XXXX my bill paying service received a mailed communication dated XX/XX/XXXX XXXX copy attached ) saying that my request " has been assigned to the appropriate team who is diligently researching this natter and will provide you a response as soon as possible. This is unacceptable to me as this institution is required to issue a Form 1098 by XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation