BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Per the CARES act : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020 and 120 days after XX/XX/2020 or 120 days after the COVID-19 national emergency ends. My account ( XXXX ) was current XX/XX/2020 and went delinquent XXXX while I was in the modification process. To my understanding compliance with the CARES act would required XXXX to remove the late payments from my credit report for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX account # : XXXX, XXXX and 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 as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account

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 2017-06-21
Company: Experian Information Solutions 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 ( XXXX XXXX ) was the victim of identify thief. I co signed a family member student loan note and subsequently the family member used my information to obtain additional student loans without my authorization. In addition XXXX XXXX home loans, informed the three credit bureaus my home equity loan payment was late for the month of XXXX 2017XXXX, I contacted XXXX XXXX and XXXX XXXX issued a letter stating according to their records there are no records of a late payment for my home equity loan account. <P/>I have attempted to contact the three credit bureaus ( Experian- XXXX XXXX, XXXX XXXX XXXX and XXXX-XXXX XXXX. Emails for all three bureaus are inaccessible and all three credit bureaus phone number offer credit reports and I was unable to speak with a live person to raise my concerns.

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 2018-06-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 I discovered that a tradeline for XXXX XXXX XXXX. ( account number ending in XXXX ) had been re-inserted into my credit file after having been removed previously. The credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

This debt had been previously disputed directly through the CRA, OC, and CA ; and is an invalid account.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number : ( XXXX ) and 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 as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account

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 2023-11-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-08-23
Company: EQUIFAX, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: CO
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, 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 I did not authorize this inquiry

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 2021-08-22
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a small mortgage with Wells Fargo at the end of XX/XX/XXXX. I had 2 other mortgages with Wells Fargo stemming back to XXXX and XXXX, so I didnt think there would be much concern with the new mortgage request for {$40000.00}. During the underwriting processing with Wells Fargo I feel I was subjected to unnecessary and unreasonable request to deter my purchase of the new home. 
I would like the Consumer Financial Protection Bureau to investigate XXXX XXXX actions into the underwriting process. I had several issues for example. 
1. I was requested to provide title documents for a house I purchased in XXXX to which Wells Fargo is the lienholder. How is this relevant to the current property purchase? They should have already had a copy since they held the lien on the house. 
2. I was requested to provide a copy of the property tax payments for two properties that were owned under my XXXX XXXX. The payments were provided, however Wells Fargo didnt not recognize the late payment fees and requested that I provide the exact billing invoices for the amounts paid. The invoices would not have been exact if late payments were applied to the payment. The state does not send out updated monthly payments due on real estate property taxes. 
3. Wells Fargo requested that I liquidate funds from my XXXX then asked for an explanation as to why I liquated the funds. 
4. At the time I applied for a mortgage I was on XXXX XXXX XXXX from my job. Wells Fargo requested that I provide a letter from my job stating when I would return to work. How would my company provide such a letter since they are not doctors. 
These are just a few of the items Ive had to deal with while trying to obtain an approval from Wells Fargo. I felt like I was being discriminated against. If you review my Wells Fargo document requirements and all the letters of explanation and exceptions to obtain approval you may understand my point of view.

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 2019-08-22
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was issued a valid credit card by Citibank and had consistently paid my monthly payments to vis -- vis automatic withdrawal and in most cases paid more than the required amount. Due to an error by Citibank during the month of XXXX they did not deduct the automatic withdrawal and I contacted them by phone a few days later inquiring why. The customer service representative I spoke to asked if I would like to make the payment then and I said yes and did make it. Well my minimum payment due was {$59.00} a month I had increased it to {$100.00} by automatic withdrawal. 
The following week from that conversation I received a written notice indicating my account had been closed due to late payment which was approximately three days. 
I immediately contacted customer service during the month of XXXX and the representative advised the account would remain closed. So at that time I requested my automatic withdrawal payments be closed and I would be paying by check so there is no longer any errors on the part of Citibank. On Wednesday, XX/XX/XXXX when checking my bank account I noticed Citibank withdrew {$100.00} which was not authorized. 
I immediately contacted Citibank customer service and the representative reviewing my account indicated that it stated I had requested automatic withdrawal be closed along with my account however it apparently was not. 
I then requested they reinstate my {$100.00} payment that was taken in properly as I was now using a law firm to pay my payments and had already sent them the amount. 
The representative advised me she would not be able to reinstate the {$100.00} and must send it to a committee to review which would take XXXX hours. 
At XXXX hrs. on Thursday, XX/XX/XXXX realizing Citibank had not reimbursed my account I contacted a customer representative in the dispute department and explained that my money was improperly deducted and I wanted to be reinstated. 
I was told to hold which I did and a few minutes later the representative returned and stated something that I could not understand and hung up. 
This leaves me as a wreath retired veteran from the XXXX XXXX XXXX XXXX XXXX living alone receiving only Social Security with {$100.00} to feed my cat, service dog and myself for the rest of the month of XXXX since I was currently out of food. 
I'm not certain how but it appears somehow Citibank blocked my ability to contact them again.

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
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I mailed a letter to the credit bureaus requesting that an error either be fixed or removed from my reports however, the bureaus sent me a response stating that the information is accurate and did not change anything. This is a factual error and I am now requesting that they be removed due to their inability to resolve the issue properly. Referring to my XXXX  account, Transunion is reporting my 30 days late on XX/XX/XXXX while XXXX and XXXX are not. XXXX is reporting me 30 days late on XX/XX/XXXX while Transunion and XXXX are not. I have uploaded a copy of the letter I sent out along with the credit bureau reporting.

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 2022-05-13
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, I was informed by Truist Bank that my account had been locked. On XX/XX/2022, I went into a physical branch to try and resolve the issue ; they let someone from XXXX Truist know to unlock my account, however, it has been 3 days and I have received no communication. On XX/XX/2022, I attempt to retrieve my funds from my currently locked account, but there is nothing that can be done. Currently, I have funds in Truist, and there is no possible way for me to access them.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
these reportings that do not belong to me are impacting my life negatively making day to day living impossible and making it hard for me to try to move forward in my life

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 2023-02-10
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:
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.

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 2017-06-21
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage on my home in the state of Illinois was discharged via Chapter XXXX, the lender at the time was XXXX XXXX XXXX. I never reaffirmed the home, I have received a loan modification, XXXX to be exact but NEVER reaffirmed or refinanced the mortgage loan. On my credit report is has always showed a closed real estate account with a XXXX balance due to the debt being discharged in the bankruptcy. My husband and I divorced, I managethe home as a rental property, the mortgage is not current due to a problem paying tenant. the home mortgage has been sold to Ditech Financial in recent months, they have began reporting this on my credit report and I have not refinanced or reaffirmed the mortgage with them either so how is this possible? This is truly damaging my credit and I would like it removed. I tried to get a modification through DITECH and was denied, I asked for a repayment plan but what they offered was ridiculous for my situation, they asked for {$1000.00} a month in addition to the current mortgage and so I am in the process of either doing a short sale, deed in lieu or simply walking away. Since technically I am not liable for this debt any longer as a result of the CHAPTER XXXX, this should not be reporting on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NY
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I settled a debt with XXXX XXXX XXXX ( XXXX ) for {$380.00}. I received an email with a copy of a letter from them confirming the debt has been settled/paid off the account on XX/XX/XXXX and later received same letter by mail a week later. 

I disputed the account through XXXX on my TransUnion credit report to update my credit file to show that the account has a XXXX balance and has been settled. The dispute return results were returned on XX/XX/XXXX with the following results : Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 

Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
This account is settled. 

I again disputed the account on the report directly with TransUnion on XX/XX/XXXX and mailed a copy of the letter from XXXX to TransUnion on XX/XX/XXXX. The dispute results were returned on XX/XX/XXXX, which means that did not wait to receive the letter before making a decision. The dispute I submitted was a manual dispute that required them to wait for the letter or any other attachments for the dispute before making a decision. I later received a copy of their dispute results on XX/XX/XXXX by mail. 

Investigation results for the dispute : Investigation Results - Verified As Accurate : The disputed item was verified as accurate. 

I enclosed a copy of the letter from XXXX, the confirmation for the manual dispute on XX/XX/XXXX for the account, a copy of the letter I mailed TransUnion for the manual dispute on XX/XX/XXXX to reference the dispute, and a copy of the results of the dispute from TransUnion on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation