BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was a victim of a data breech by credit companies years ago and was offered to have my scores frozen because of the data breech and identity theft. TransUnion has suspended my account and won't allow me to reset my username and password because of " too many attempts. '' It is XXXX near impossible to talk to a person on TransUnion - there is a menu that screens you before allowing you to talk to a representative and that cuts me off before I have the option. I have tried repeatedly. 

This comes up every time we try to get a mortgage loan or deal with a mortgage loan- they always ask for all three scores and I can't get access to TransUnion. 

Their site is circular, to get a reset you have to have current information, yet it tells me my current information is not correct an blocks me out. There appears to be no way to actually access a person to clean the mess up, but it has no problem blocking me from all access. The other two credit companies don't do this. TransUnion is really awful to deal with and in this case, holding our lives 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 2021-06-02
Company: WELLS FARGO & COMPANY
State: CA
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 I deposited XXXX into the bank and accidentally left my debit in the machine. Two hours later I received an email informing me that my card was being used. I immediately turned the card off and contacted Wells Fargo. There was a language barrier and the individual who took my claim completely wrote the information wrong even after I attempted to correct her. They conducted the investigation on her information and refuse to admire fault and return my money. A police was made and they refuse to acknowledge its

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX # XXXX has violated my rights. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-26
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not been to Georgia I live in Florida. 
I have contacted all three bureaus : xperian says the account is ligament. 
I have had XXXX for over 20 years and have no products or services from XXXX! 
XXXX XXXX inquire # XXXX dispute center Fraud # XXXX I have contacted XXXX this is what they said : Thank you for contacting XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. XXXX XXXX XXXX has received your inquiry and determined that the account you have provided is currently being held by an outside collection agency and must be disputed directly with that agency. 

Please contact Sequium - HQ, phone : XXXX to file your claim of fraud. Once your claim has been submitted and all required documentation has been received, you will receive notification of a decision within 14 days No response from this company leaving messages. 


SEQUIUM ASSET SOLUTION Original creditor : XXXX XXXX  {$810.00} Balance updated XX/XX/2021 Account Info Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$810.00} {$810.00} Payment Info Original balance {$810.00} Balance {$810.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 Additional info Comments Account information disputed by consumer Your statements- Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX CR XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXXXXXX Account # 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 XXXX5 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 non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: VA
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 recently started to check my Credit Report around XX/XX/23 for the first time and I seen so much false information on it. There were false names, phone numbers, address and even a negative debt for {$3600.00}. My friend told me to download Experian and XXXX app to dispute it. He wrote the dispute, and a few things came off but not everything. 

Then when I did more research, I learned that you should call the companies to explain the Identity Theft instead of disputing online. So, I called XXXX and they said they will get back to me. I called a weeks later and was just put on hold and then the call just hung up. 

Now I'm taking the proper steps to fix everything. This negative false information is affecting my family and me. The bank seen so many different names for me and like 20 addresses. It even shows that I have an address in XXXX  and I never even been to XXXX.

My credit is not the best and thats why Im trying fix it. I do have a few other negative debts and I take full responsibility for them but the one debt for {$3600.00} is not mines. 

I lost my wallet few years ago and had to get a new ID and many years ago I lost my passport and had to report it and get a new XXXX too. I don't know if that has anything to do with this.

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 2019-03-22
Company: HW Holding, Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Friday, XX/XX/2019 at XXXX XXXX., Hunter Warfield called my cellphone and said they had a debt totaling {$2300.00} and said that if I did not settle the account it would be sent into the court system for legal action. I then asked them " Are you threatening legal action? '' The lady on the phone then responded, " It's not a threat, it's a fact, it will be sent for legal action. '' I responded : " It is a fact that you're threatening legal action? '' The lady : " Yes it is a fact. '' I proceeded to hang up and submit this complaint. I have never acknowledged this debt and have tried to get this debt taken off for years through credit dispute resolutions but they still call and they now threaten legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
Dear Sir/Madam, I am taking secondary home mortgage from Taylor Morrison Home Funding for XXXX. 
Property purchase price is XXXX, Deposit is XXXX & Loan Amount is XXXX. My Credit score is 800+. My closing is on XXXX XXXX. 

As per the lender, we MUST buy points for all secondary mortgages. 
They share Scenario Sheet for each day to know about the discount points only for 3 interest rates XXXX, XXXX & XXXX. As per the scenario sheets, For XXXX Month discounts points varied from XXXX XXXX XXXX XXXX XXXX to get loan for XXXX at the rate of interest rate XXXX. Though I have good credit score & deposit of 66.34 %, I had to pay XXXX $ as discount point for Interest Rate XXXX. 

Couple of questions to understand if lender is fair in his calculations : 1. Is Points mandatory for securing mortgage loan on Secondary Home 2. I don't want to buy any points since I have credit score of 800+ & Deposit made is XXXX XXXX of purchase value. 
3. They have provided me choice to take XXXX, XXXX or XXXX. Since i don't have choice I am opting for XXXX XXXX & they are charging XXXX as discount point but they are not ready to share interest rate with no points. 

Please advise if the lender is correct in their decision or not. 
Answer I recieved from TM home funding is " TMHFs investors dont have Par pricing from our investors based on the structure of the loan you are taking with TMHF in the market today. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Experian Information Solutions Inc.
State: OH
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:
The Federal Government took away our lawful money ( silver & gold ) in 1933 but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX. 
That the use of a ( federal reserve ) Note is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. 
That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See 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 2023-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax- has locked my credit- I can not get a report, can not get electricity providers or auto insurance. Called Equifax was told that there is an issue but they would not tell me what the issue is. Told I have to mail a photo copy of my DL and SSN to a po box in XXXX, GA- this sounds sketchy and I am not comfortable doing this but they offer no other alternative to correct this issue. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: OH
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:
The Federal Government took away our lawful money ( silver & gold ) in 1933 but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX. 
That the use of a ( federal reserve ) Note is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. 
That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently sent a request to the consumer financial protection bureau on XX/XX/2021 ( Complaint No XXXX ). 

The complaint was against Hunter WARFIELD. Hunter WARFIELD responded on XX/XX/XXXX and removed the incorrect item from my credit report. After two weeks of the complaint being settled by the Consumer Financial Protection Bureau, myself, and Hunter WARFIELD the debt collection ( Hunter WARFIELD ) added the incorrect information back unto my consumer credit report and continued the collection of amortized interest monthly on my collection account that is closed ; never fixed or revolving account that reflects fixed and unsecured loan utilization rates and compounding interest.

The debt collector continues to increase the debt monthly and violate the Fair Debt Collections Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, I discovered that XXXX was reporting a negative credit card account on my consumer reports which is in violation of under the Privacy Act of 1974. They agreed per there contract with me that they would not report my non public personal information to a non third party affiliate. It is evidenced on all of my consumer reports that XXXX has breached there agreement with me and violated there terms and conditions by reporting my non public personal information to third parties, namely XXXX, XXXX and Experian pursuant to 16 cfr 313.3 and 313.7 ( 1 ). Pursuant to 15 USC 1681 ( b ) Creditors can not furnish consumers information without explicit consent. And XXXX is also still currently reporting transaction history which is illegal. I wish to Opt out pursuant to 15 USC 6802-6805. XXXX was obligated to send me a opt out request every 30 days and failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  XXXX Acct XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-26
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im asking to have this account removed from credit report I dont owe {$160.00} to anyone me so Im requesting this company to validate this debt! I think theres a mix up with someone I currently have an active account with XXXX XXXX XXXX I have bill pay this isnt my account m!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting this account with credence for {$160.00} XXXX dont have a collections account with XXXX XXXX XXXX I still have an account of account with at & t this debt is not valid please remove this account. Also I have a credit card with XXXX and your still not reporting it

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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been trying to have a fraudulent account from XXXX deleted from my credit report with Transunion for years now ( XXXX XXXX account # XXXX ) I have sent numerous letters asking for this account to be investigated and if verified show proof of their right to post this account on my credit report ( my last letter was file # XXXX on XX/XX/XXXX. ) I have showed indisputable proof from the XXXX and XXXX XXXX XXXX that this account is not mine. I have also showed proof that another Credit Bureau has deleted this account as they could not verify its accuracy. In all cases Transunion has responded with a generic response that the account was verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information and its what the law says they must do. XXXX  continues to violate my rights as a consumer to have an accurate credit file, and must show proof that they have the right to have this fraudulent account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a request of validation letter to collector company Grant & Weber. On XX/XX/XXXX I received a letter with a generic list of itemized charges listed but no actual contractual document with my signature of authorization to collect debt or any obligation to this debt. They have failed to validate this debt and therefore I am asking that this debt be removed from my XXXX and XXXX credit reports because it is causing major derogatory marks on my credit report and causing me major life financial challenges because of it.

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