BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
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: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX I was affected by XXXX 's data breach and classified as a Fraud victim and placed on the extend fraud alert. 

As stated on the FTC 's website, XXXX 's website and the CFPB 's website : A fraud alert requires creditors, who check your credit report, to take steps to verify your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account based on a consumer 's request. When you place a fraud alert on your credit report at one of the nationwide credit reporting companies, it must notify the others. XXXX FAILED TO NOTIFY OTHER CREDIT BUREAUS which led to my information being compromised yet again. I put a Security freeze on my accounts.

Under the 15 USC 1681b- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( a ) in general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 US Code 1681b Permissible Purposes of consumer reports I never gave you any written consent to report.

Reporting inaccurate personal information on all 3 reports after I requested that the information be removed. I sent letters to all 3 agencies asking for this information to be updated and I will follow up with another letter regarding this issue.

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 2023-04-05
Company: EQUIFAX, INC.
State: IL
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 Acc XXXX XXXX XXXX XXXX Acc XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX Acc XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX XXXX. Balance {$1700.00} 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION TO MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account 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 the 15 U.S.C 1681 section 602 A. States I have 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 2022-07-20
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in regard to World Finance Corp account # XXXX which I have disputed previously asking for validation of debt. Not verify but validate. Under the FCRA I have the right to ask for validation which they have not provided. That is a clear violation. Also they are being reported to all 3 credit agencies XXXX, XXXX and XXXX. and the information is not matching as it should under the FCRA. They must report accurate information. 15 U.S. Code 1681s2 ( A ) Reporting information with actual knowledge of errors. 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. Also it shows payment status as Charge off. The legal definition of charge off is, the writing off of a debt and termination of collection activity without release of personal liability. If this is true then it would not show up on my credit report with a balance. Another clear violation. I also have proof attached with different account types, and date last active. I also have the right to privacy.The Fair Credit Reporting Act ( FCRA ) is a federal law that was enacted to promote the accuracy, fairness and privacy of information in credit reporting agency files. Proof attached of the inaccuracy and fairness and how they have violated my right to privacy. If this account is charged off, it should not be on my credit report with a balance at all. Also There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Also 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX.This Debt was paid on XX/XX/XXXX. After payment was made collector reported the paid debt as unpaid. On XX/XX/XXXX collector stated that they would remove derogatory marks if any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Late payments were reported Inaccurately the fcra states that if items are reported incorrectly they said be deleted XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I paid a debt with XXXX XXXX in XXXX. On XX/XX/XXXX I received a Notice of Application For Wage Execution on a debt that has been paid. I sent the documents to XXXX XXXX and their attorney, Fein, Such, Khan, & Shepard and they refuse to review the documents and release the money they have illegally taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
These debts have already been paid and are showing under collections : XX/XX/XXXX {$390.00} XX/XX/XXXX {$970.00} XX/XX/XXXX {$620.00} XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
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: Public record information inaccurate

Complaint:
My chapter XXXX bankruptcy was completed in 2011. It will be 10 years in a few months since this item on my credit report will be displayed as active. From my research ; Ive learned that this type of bankruptcy will only remain on my credit record for 7 years. Ive disputed this item more than 5 times in the last two years and they refuse to remove 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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to emphasize that the inquiry in question is not associated with me in any way.

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 2019-04-04
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Constantly receiving calls from this company despite a formal written notice to cease calls. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
The unverified late payment listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 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 non-monetary relief
Consumer complaint received 2022-06-02
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:
I called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE item on my personal profile, I noticed that there was an : Account : Bankruptcy XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and 1040-ES Form for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.

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 2022-06-02
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: Account information incorrect

Complaint:
I have tried several times to have incorrect and incomplete information deleted but it just keep coming back when its clearly inaccurate. Amounts, payment history and dates have been wrong but every time they just keep coming back even though dates dont match history is not reported or reported incorrectly. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
sent a dispute letter out on XX/XX/2022, and XX/XX/2022 to the three bureaus XXXX XXXX, and equifax and still no response after 60 days. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : Please remove it from my credit report. 

XXXXValidate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: E MORTGAGE MANAGEMENT, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a promotional mailing from E Mortgage Management LLC ( XXXX, NMLS # XXXX ) that made extremely misleading, borderline deceptive claims about the savings I would get from rolling a credit card balance into my mortgage. 

The mailing contained a table showing my projected monthly payments " Before '' and " After '' combining a credit card debt with a mortgage, in large bold font. However, in smaller, not-bold font, the " After '' payment amount was labeled " P & I Payment. '' As a result, this table compared my principal, interest, taxes, and insurance monthly total ( " Before '' ) to a new principal & interest monthly total WITHOUT taxes and insurance ( " After '' ), which would of course be lower. 

Underneath the table, large bold text says " You Save {$410.00} Per Month In This Example '' and " That's {$5000.00} Per Year! '' which while technically true, is misleading because it excludes the taxes and insurance that would still be required. 

This mailing was labeled XXXX on the front and labeled XXXX on the back. 

Here 's other identifying info for this company from the back of the mailing : E MORTGAGE MANAGEMENT , LLC DOES BUSINESS AS " XXXX XXXX '' IN DELAWARE, NEW HAMPSHIRE, NEW JERSEY, PENNSYLVANIA, MARYLAND AND CONNECTICUT. XXXX XXXX   IS A DIVISION OF E MORTGAGE MANAGEMENT , LLC. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX. NMLS LOC ID : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Account # ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX  ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) reference # ( 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 2018-08-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Original SBA Loan amount {$730000.00}, Wells Fargo was the lender. XX/XX/XXXX. I went out of business in XXXX and had a buyer for the XXXX XXXX XXXX but Wells Fargo would not let us proceed with the sale. XXXX XXXX, the vice president who was supposedly helping me went so far as to say any monies the buyers would pay had to come out of a Wells Fargo account. And when she almost agreed to the contract she backed out, saying she wasn't sure the new owners would be successful. But they were not asking to borrow money from Wells Fargo so it was just not related. 
They moved to foreclose on the property. 
I asked the SBA if they could tell me how I owed. They told me my lawyer would have to get that information from Wells Fargo. Wells Fargo would not give us information about how much we owed or the fees they were charging. The SBA does not offer assistance to lenders, just the banks. 
We offered Wells Fargo {$850000.00}. They did not accept the offer. 
Wells Fargo would not tell us how much we still owed on the XXXX XXXX XXXX and Wells Fargo foreclosed on XX/XX/XXXX. They told my lawyer they would not foreclose on my husband 's ranch until after the XXXX XXXX XXXX sold. 
Wells Fargo reported to my lawyer XXXX XXXX that they sold the XXXX XXXX   for {$590000.00}, leaving a deficiency of {$210000.00}. This was given to my lawyer verbally with no details or proof or paper work. I find this astonishing that they refused {$850000.00} and now are allowed to foreclose on my husband 's ranch. 
Now we find out they have a contract to sell the XXXX XXXX XXXX  for " about 800,000 '' according to the buyer. So they will get my husband 's ranch for free, with 65 acres in the Texas XXXX XXXX with a spring fed creek, fenced and cared for by XXXX 's family for over a hundred years. We thought it was safe because we knew the child care was worth more than we borrowed. XXXX XXXX agreed. 
I didn't apply for this loan but I did everything XXXX XXXX, award winning closer, told me to. I told her I had XXXX XXXX, XXXX. She was so sweet on the phone and told me she would help me every step of the way, that I would be a big success. Then when I called her after the closing she told me not to call her again. Her letters and emails were very rigid and business stuff, but her calls were very sweet until I closed and signed everything over.

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