BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have repeatedly via phone and with 30 certified letter and letters us mail to remove credit alerts! They have cost me credit because they either have no phone number or an incorrect one. Now they do have the right number but I asked them to take the alert down. I am not the person who put it there. I have a stalker local to where I live and he put it in there. This has to stop so I want it out

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 2022-04-27
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
There are multiple closed accounts on my credit report which are 7, 8, 9, 10 and even 11 years old which are closed out. Most are from XXXX and Department of Education. I have filed complaints about all three of them I have directly contacted all three of them and filed complaint and this information never goes away. The accounts are closed or they have been Consolidated into different loans so they no longer exist and they Continue to update but they are not removed one of them is even twelve years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I need my title and fees owed after paying off with wells fargo

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 2017-05-14
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I mailed a Multipl e Inquiry Remo val Letter to EXPERIAN on on (   X/XX/2017  )  by certified mail in order to dispute information, in regards to (  XXXX   ) in quires, that is being reported on my credit report. They received the letter on (   X/XX/2017     ) and they completed the request on (   X/XX/2017     ). The request that I submitted included Inquiries that were NOT factual and I received the same responses for ALL inquires, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a respon se ( 4 ) da ys after the receipt of my certified, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me, I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a 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 2017-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I mailed a Multiple  Inquiry Removal Letter to TRANSUNION on on  X/XX/2017  by cert ified mail in order to dispute information, in regards to (  XXXX   )  inquires, that is being reported on my credit report. They received the letter on (   X/XX/2017     ) and they completed the request on (   X/XX/2017     ). The request that I submitted included Inquiries that were NOT factual and I received the same responses for ALL inquires, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investi gate and respond, the CRA must delete the disputed information from its files. The fact that I received a respons e ( NUMBER )  days after the receipt of my certified, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me, I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a 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 2019-08-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In2017XXXXchargedme{$1500.00}for2fraudulenttransactionsthatweren'tmadebyme.Nowafter2years,XXXXadded{$1300.00}ininterestsandfeesandsoldthedebttomultiplecollectioncompanies.Oneafteranothertriedtocollectthesameamountofmoneyfromme.2weeksago,XXXXXXXXXXXXagreednottocontactmeanymoreforthedebt.Today,ResurgentCapitalServicescontactedmetotrytocollect{$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: MA
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:
I am writing to formally submit a complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute the following incorrect information on my credit report, but as of the present date, I have not received a response. I am providing the details of the inaccurate information and the required corrections below : The following account is not mine : Creditor : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$200.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Please remove it from my credit report. 

The following account is not mine : Creditor : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I rejected the response fro m Wells Fargo  on  XXXX   XXXX   2017 to c omplaint #  XXXX  and WF closed the case before I could respond to their response. I would like CFPB to forward this rejection to WF for the original complaint To  XXXX   XXXX  at WF, I DO NOT once again accept your explanation and response of  XXXX   XXXX   2017. FINALL Y, you have provided the fee schedule that I have been asking for the last 6 months. It now confirms my long standing issue that in addition to the {$16.00} fee for an incoming international wire ( per the fee schedule but waived for me as a premier customer ) there was another {$30.00} deducted from my  XXXX  transactions each that is NOT in your fee structure and thus UNAUTHORIZED and UNACCOUNTED. You again claim ( like   XXXX     XXXX  and   XXXX   XXXX   from your department ) that I should contact the intermediary bank.  XXXX  IS THE INTERMEDIARY BANK. You three " Senior Correspondence Specialists '' might learn from your junior colleagues a t WF (  "  XXXX   XXXX , my Branch Manager at the  XXXX   XXXX   XXXX  and a person in the wire department that clearly understand that WF is the Intermediary Bank and owe me an explanation ). On top of that, the three of you do not want to call me to clarify and instead keep sending me long winded responses in irrelevant and inaccurate self -praise of customer service hoping to bury the real issue. You could call  XXXX   XXXX  to understand what I am asking for! But you do not want to do. So I have to believe there is a definite intentional effort not to respond to this issue of transparency by WF. You will not tire me out in pursuing this. I want to make sure this is not systematically happening at WF. With thousands of wire transfers thru WF per day, this charge could amount to millions of unauthorized collections from unsuspecting consumers. I am now going to contact main stream media watch dogs to pursue this further.  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 2023-09-30
Company: EQUIFAX, INC.
State: LA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: VA
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 investigated my credit report, I realized that some of the information was erroneous. The 3credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a " Settlement Opportunity '' letter from " Credit Collection Services '' for a debt of {$480.00} from  XXXX   XXXX , offering to " Settle your past-due account at a discount ''. My account is up to date with  XXXX  and I do not owe any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage Company currently owes me {$9100.00} in credits due to their mistakes. They have legally accepted this debt but is now stalling to make payments. I offered to deduct from my monthly mortgage and they in return ( XXXX id # XXXX & XXXX id # XXXX XXXX threatened with taking my home and adversely affecting my credit. As I have stated to FMC & CFPB, this relationship is beyond salvageable due to their multiple errors. Its threats like this that continue to take this relationship even lower despite me trying to work with them to find an mutually amicable solution. They are now angry with me as attributed to Ms XXXX who yelled at me then hung up. 

My ask is not so much for them to correct but to pay the due amount. My XXXX ask is how CFPB will hold them accountable? This is imperative. 

Thank you 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 2023-04-30
Company: Professional Debt Mediation, 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:
I did not receive a written notice known as a debt validation letter within five days of XXXX XXXX initial attempt to contact me. XXXX XXXX is in violation of my consumer rights, infringing upon my right to privacy. XXXX XXXX purchased my information without my consent. XXXX XXXX shared my information to CFPB and all 3 credit bureaus. This account is a charge-off means the lender or creditor has written the account off as a loss, and the account is closed to future charges, which also means the original creditor filed this account on there taxes and received money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 Account XXXX 15U.S.C 1681 section 602A. 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 1666b A creditor may not treat a payment on my credit account under an open end consumer credit plan as late for any purpose.

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 2023-04-30
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:
I am writing to file a formal complaint against TransUnion regarding their failure to update my credit report to remove a XXXX XXXX bankruptcy that was never approved. Despite my numerous attempts to dispute and provide supporting documentation, TransUnion has not taken any action to update my credit report and this has caused significant harm to my financial standing. 

I have made several attempts to dispute this erroneous information with TransUnion. I have uploaded supporting documents through their dispute center three times, and have sent certified mail to provide additional documentation. I have also called their customer service department multiple times and spoken with supervisors, but the issue has not been resolved. 

The bankruptcy was never approved, and there is no record of it in the public record. However, TransUnion continues to report the bankruptcy on my credit report, which is causing significant harm to my credit score and financial standing. Additionally, TransUnion is reporting an account with XXXX with the account number XXXX, which is contributing to the negative impact on my credit report. 

I demand that TransUnion immediately update my credit report to remove the XXXX  XXXX bankruptcy and the erroneous account with XXXX. I also request that TransUnion compensate me for any damages that I have suffered as a result of their negligence. 

Their failure to update my credit report has caused me significant financial harm, and I believe that TransUnion should be held accountable for their negligence. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX  is attempting to collect on an alleged debt that they have written off. 
I have attempted to dispute this debt previously, however, they are still reporting this 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 2022-09-29
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:
In accordance with the Fair Credit Reporting act 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 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 purpose

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 2022-04-27
Company: CITIBANK, N.A.
State: NV
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:
I made 5 charges on TWO separate CITI credit cards. They were for a cruise on XXXX XXXX beginning XX/XX/XXXX. 

XXXX. XX/XX/XXXX {$5300.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$10000.00} ( card ending XXXX XXXX. XX/XX/XXXX {$2900.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$1000.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$2600.00} ( card ending XXXX ) On XX/XX/XXXX I cancelled the cruise and disputed the charges. Shortly after XXXX XXXX went out of business. 

# XXXX was found in XXXXXXXX XXXX XXXX  on XX/XX/XXXX and I requested it be reviewed again. It is still pending. 
# XXXX was found in my favor on XX/XX/XXXX. The {$10000.00} is permanently off my account. 
# XXXX, # XXXX and # XXXX were all found in XXXX 's favor on XX/XX/XXXX and I must pay. I have requested they be reopened and they still show closed in XXXX 's favor. 

And by the way there were additional charges in XXXX cards and all were resolved quickly in my favor. 

XXXX XXXX has gone out of business and could not possibly deliver on what I purchased. 

CITI cards need to resolve this quickly. Please 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 monetary relief