BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-06-14
Company: CreditNinja Lending, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Company says " You agree to pay us a monthly handling fee in an amount equal to 24.17 % of the outstanding principal balance of your loan per month, or any portion of a month. This monthly handling fee shall not be deemed to be interest for any purpose of law. '' but at the same time has the following contradictory term that I have evidenced in a screenshot. These terms are contradictory and the company is admitting that the fees charged ARE IN FACT INTEREST. I will be disputing the inquiry on my credit report as this is a fraudulent lender if this fraudulent lender inquiry is not immediately removed.

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 2022-02-14
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:
Since XXXX of 2020, I have been disputing 2 XXXX XXXX accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and TransUnion. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are requests for me to supply XXXX XXXX with more information in order for them to investigate the account. I am unclear as to why I need to help XXXX XXXX investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the 3 bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing

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 2020-09-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo continues to ignore my question. The last complaint I opened for this same reason was answered with " we've updated your phone number ''. I've called CFPB and informed them Wells Fargo is unwilling to cooperate with me during this process and they've taken notice. They have informed me to continue submitting as many complaints as it takes to get the answers I need. 

So, here we go again. 

Parameters and rules surrounding a mortgage recast are not publicized ANYWHERE. 
I've been asking for this information for years ... in writing through these complaints and over the phone in various depts. Sadly, a little bit extra information seeps out with each additional CFPB complaint. 

I NEED ALL PARAMETERS AND RULES SURROUNDING A RECAST PUT IN WRITING. 

Put it in writing to lock in the features/rules/durations ( ALL GUIDELINES ) so that Wells Fargo does not try to change course when I'm ready to recast. 

Wells Fargo treats recasts VERY DIFFERENTLY from most banks - and DOES NOT PUBLICIZE THIS information. You have a minimum amount XXXX TIMES ABOVE most banks. People in your mortgage department I spoke to today XXXX refused to put the rules in writing for me. 

Complaints will continue. 
It took your bank 60 days to respond to the last similar complaint with " we've updated your phone number ''. Seriously. Looking forward to the half-baked reply to this 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I demand the listed accounts be removed. I have not given consent, authorization or written instruction or permissible purpose. I have also not been given opportunity to opt out. This is a violation of federal law, state law, and public policy. These are also violations on the XXXX specifically section 6050i, 6050p, 7203. These are also criminal violations of 18 usc 2, 18 usc 1341, 18 usc 1348, 18 usc 1349 as well as violations of the FCRA for inaccurate and improper reporting and the GLBA and FDCPA. Both data furnishers and consumer reporting agencies are in violation of the law, and I am giving opportunity to cure. The following accounts must be removed : 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 Thank you for your attention into this matter. 
PLEASE BE ADVISED THIS IS NOT A REQUEST FOR VALIDATION. 
THIS IS THE DEMAND FOR REMOVAL OF INFORMATION IMPROPERLY PLACED ON MY 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXXXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number : XXXX- Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-09-03
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-04-16
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I dont owe this debt. Its not mine

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 2021-07-15
Company: EQUIFAX, 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:
There is a collection reporting on my credit report from XXXX XXXX XXXX regarding a XXXX  bill from XXXX XXXX. I've tried numerous times to dispute this item thru the credit bureau but to no avail. I've tried to get more info about the collection from both the XXXX  company and the collection agency but to no avail. I've always had XXXX  insurance and I've visited this XXXX  office several times in the past and never was told that I had any outstanding bill. I always asked the receptionist if I owe any money prior to them performing any XXXX  work bc I like paying beforehand.. the receptionist would always check my insurance and advise me that no money was due ... I never received a bill for the collection amount of {$1400.00} or an option to even dispute it. This company was unprofessional with dealing with this matter. They placed me in a debt collection of {$1400.00} and reported to the credit bureaus which should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
MR COOPER mortgage company in XXXX, TX is my mortgage company. My name is XXXX XXXX and I requested for assistance and was told I needed to fill out a form in XXXX via phone call. I was told everything was on hold until the results came. Time pass and I get no form just a letter saying to send income statement of w2 so I sent it and was told no form was to be filled out and I was good. More Time pass and now I need to fill out the form that I was initially told i was getting in the mail and then that I didn't need it, but now I need to fill it out after the third encounter wasting more time. Late fees accumulated and i see a default on my online account and im confused because I was told everything was on hold so I was misinformed and poor communication on their part by not giving all the information to make the best choice for myself and not sending important paperwork that I was told I need, then I don't need it and now I do getting the run around. My credit score dropped over 100 points and if I knew it would not be on hold and my credit would drop I would've never done it. It showed over 30 days late and we are waiting on them and I keep being told one thing and they're delaying the process by not giving me accurate information and giving me what I need. The form was never mailed so I had to go online which it wouldn't even allow me to fill it out on. My last call with Mr Cooper XX/XX/23 at around XXXX XXXX I was told no matter which plan I got it was going to drop my credit and I dont want to do either plan. I will just work harder to pay it up to date and today I made one mortgage payment and next week I'll catch it up. I'm upset because had I knew this from the start i would've never even tried to do this but I was assured everything was on hold. It's not fair and I'm upset they never sent the forms that caused more wasted time increases the days of late payment that was supposed to be on hold. I would appreciate some help with this situation. My credit was over 700 I worked so hard to get there and by misinformation and lack of efficiency on sending documents my credit which I value has been damaged PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo XX/XX/2023 Deposit of {$78000.00} was made with {$400.00} included in available balance {$78000.00} will be available on XX/XX/. I have the printed receipt reflecting this availability and was also verbally reassured that the funds would be available on XXXX 

Overnight received a message from Wells Fargo with two amounts delayed {$72000.00} until XXXX  and {$5300.00} until XXXX which reduced the available funds from {$400.00} to {$220.00}. No funds beyond the {$220.00} was available as stated. 

I would have totally understood a check for this amount being held, but was told and given a printed receipt of the next day availability. Had I not logged into online banking I would not have been aware of the delay in funds, putting me at risk of overdrawing the account. I also made decisions about where and how to make this deposit totally based on next day availability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: IL
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 account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested that Equifax remove all inaccurate information from my credit report specifically about a debt collection from XXXX XXXX XXXX, failure to do so is violation of 15 USC 1692 ( C ) ( C ) AND 15 USC 1692 ( G )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: AZ
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:
This is a formal complaint that Credit Bureaus ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. I am fully aware that credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2023-01-18
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX Please reference my original Complaint # XXXX, filed XX/XX/XXXX I have received another notice from the same company with a " reduced '' amount to pay. 
Per my original complaint, the VA has paid this debt once, possibly twice. I am a veteran and " all bills submitted '' to the VA, are paid through the VA. 

I had a three way conversation with the nasty woman who said she was an attorney and the VA billing department. She didn't do much listening however the VA and I managed to get through the conversation with her. Arrangements to pay the bill were confirmed and all parties hung up. The VA billing did add that their bill had NEVER been submitted to the VA however it did line up with when I was hospitalized.

They can reduce the debt down to a dollar and I will not pay it! If their billing system is so messed up I get a notice once a year, and they can't find the payment sent to them. that's on them, not myself or the VA.

To reduce the bill after I filed a complaint saying I would not pay a debt I do not owe is a testament to their inept handling of this matter.

I will not pay what the VA has already paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : $ XXXX XXXX  XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$5200.00} ( XXXX XXXX ) XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX  XXXX XXXX Balance : $ 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 2020-06-16
Company: Experian Information Solutions 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:
XX/XX/XXXX I disputed XXXX that was on my credit file with Experian. XXXX is an account that is a result of identity theft. Experian wrote me and said the account was accurate and verified. Yet Im trying to figure out how was it verified and accurate when the account is a result of identity theft. XXXX and XXXX deleted this account but yet Experian continues to recklessly report inaccurate fraudulent information onto my credit file. Im not sure of how you did this when I know for a fact that they account is inaccurate and fraud. From my research on the FTC website, it stated that all reporting from creditors or collectors must be 100 % accurate and not 90 %. This XXXX account is 100 % fraudulent. I also have new information such as a police report, notarized affidavit and my driver license. All my things were stolen in XXXX and numerous accounts and apartments were obtained in my name without my consent and my signatures were fraudulently copied.

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