BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX, a formal letter was sent to Transunion and XXXX requesting verification of a bankruptcy appearing in my credit file. I received a letter back on XX/XX/XXXX, from Transunion indicating this bankruptcy was verified as accurate. 
On XX/XX/XXXX, I contacted the credit bureaus and spoke with a representative about the " alleged '' bankruptcy and was informed that they would reopen the investigation. 
On XX/XX/XXXX, I contacted Transunion and XXXX again to inquire about the resolution to the " alleged '' bankruptcy and was informed by XXXX XXXX at Transunion in XXXX that the bankruptcy was " verified '' by a 3rd party professional entity and that the " alleged '' bankruptcy would remain. I requested a copy of the signed " alleged '' bankruptcy petition be sent to me or whatever documents Transunion and XXXX used to verify " alleged '' bankruptcy ( because XXXX, XXXX XXXX, and XXXX are not reporting the " alleged '' bankruptcy ) and was advised they did not have actual verification documentation they could send as proof of verification. 
On XX/XX/XXXX, I mailed another letter to Transunion and XXXX requesting a copy of any documentation used to verify " alleged '' bankruptcy as this is my right as a consumer according to the FCRA Section 609.

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 2023-03-17
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 THESE 14 ACCOUNTS HAVE VIOLATED MY RIGHTS.

15 U.S. Code 6801- PROTECTION OF NONPUBLIC PERSONAL INFORMATION 15 U.S. Code SECTION 602 A STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1861 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN CONSENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I closed on a property located at XXXX XXXX XXXX XXXX. In XXXX, IL on XX/XX/XXXX. My Mortgage Lender was XXXX XXXX XXXX XXXX based in XXXX XXXX, Mo. My first mortgage payment was due on XXXX XXXX XXXX The amount of my mortgage is {$1600.00} I paid that full mortgage amount a week before it was due to the mortgage lender ( XXXX XXXX XXXX XXXX ) and included the payment stub I was given at the closing. By XX/XX/XXXX, I had realized that my mortgage check had not cleared. I reached out to the lender, XXXX XXXX XXXX XXXX to ask if they had received the check. After reaching out to them several times, I was told that they had indeed received the check, but they were trying to figure out if they should wire the money to the new mortgage company who had purchased my mortgage. I had not received any official notification from the new company at this time. I specifically asked whether I needed to write a new check to this new company and was told " No, They were looking into it ''. On XX/XX/XXXX, I received a letter from Select Portfolio Services stating that they had purchased my mortgage- the first official notice I had from this company. The next day, I received another letter from Select Portfolio Servicing stating that I was past due on my first payment and I owed them {$6500.00}. I assumed this was a scam and reached out to my loan officer at XXXX XXXX XXXX XXXX and was told that this was indeed the correct company but that the amount of my monthly loan payment should be {$1600.00}. I reached out to Select Portfolio Servicing ( twice ) to figure out what was going on and was told that I was in default for not paying the first payment and my new monthly payments had doubled in price. Keep in mind, I was already considered in default BEFORE I even knew who had purchased my loan. I was given no chance to even send a payment to the new company. They told me that XXXX XXXX XXXX XXXX  had not informed them of any check they had received and that there was nothing I could do. By XX/XX/XXXX, I was finally informed by XXXX XXXX XXXX XXXX  that my original check to them as voided and shredded. No one informed me nor Select Portfolio Servicing until this point. Once I figured out what was going on, I immediately paid Select Portfolio Servicing the first mortgage amount bringing me current with my payments. However, i am still considered in " default '' and they are demanding payments of twice my mortgage amount each month. I can not afford to pay this amount each moanth and neither company will respond to my complaints. I have officially contested the " default '' and heard nothing./ I suspect fraud. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
OnXX/XX/2019, a representative called me and told me that I owe them {$1700.00} and I asked them series of questions like what's the debt? can you validate it's me? They said to me, they don't have to answer my questions regarding this debt. if I don't pay they'll sue me and it hit my credit. I never had a {$1700.00} debt with anyone. I'm furious that this is happening!! 
They called again XX/XX/XXXX and I asked the same questions and they hung up in my face. 
I'm not sure what they'll do next. I believe this not to be my debt. If they are claiming to be mine, it's the wrong amount because I have health insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2023-02-15
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
15 USC 1681i ( 6 ) ( b ) ( iii ) prohibits the consumer reporting agency upon request from the consumer to provide the contents of the reinvestigation which includes the business name, address, phone number, who was contacted in the connection of the dispute. 

Re : XXXX Equifax credit reports come with the reseller details of the public record attached which is XXXX. 

I sent a letter to the consumer reporting agency requesting for the description of the reinvestigation of who you reinvestigated with meaning the " name '' of the person that validated the public record within your public record source. By FCRA law I have the right to have this information that you are validating on me. 

Reason being is because XXXX sent me a letter stating they do not have a record of bankruptcy on my credit file, and you stated to validated with them. 

How is that? I was not asking for any information that you already provide. If you properly reinvestigated, you should have the name of the person that validated. " NOT THE BUSINESS NAME '' no I can follow up with XXXX. 


Attached : - Original letter sent requesting the name of the person -Proof of identity -Letter from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 you amend this suspicious data. 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. Please don't ignore my request to delete these inaccurate items 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 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 2021-11-24
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX,2021 I contacted Experian to inquire about several inquiries placed on my credit report. I spoke with a rep who looked into the inquires and discovered they were fraudulent. The rep also discovered a credit card had been open in my name from XXXX XXXX XXXX. The rep indicated she would dispute inquiries and fraudulent accounts. She also indicated she would place a fraud alert on my report and I would be contacted if someone attempts to open credit. The fraud alert was placed and the other XXXX bureaus were notified. On XX/XX/XXXX I was notified again through my credit alerts two more accounts were opened on my credit report. This time it was a company called XXXX. The company had opened an installment loan as well as a credit card. I immediately called Experian and notified them that this was fraud. I explained to the rep that a fraud alert had been placed on my credit profile. I also explained that no one had called to verify anything and that accounts were opened without my knowledge or consent. The rep said he would dispute accounts and I would hear back. Fast forward to the first week of XXXX after not hearing back from Experian for almost close to 30 days they claim to have verified accounts that were opened without my consent in which they had a fraud alert and I was never contacted about opening any accounts. I contacted them yet again and rep said they would dispute it again. On today XXXX XXXX, 2021 I was notified that the accounts were verified again. Experian did not investigate this matter. Experian dropped the ball by allowing accounts to be opened with out verifying my identity prior. Experian is attempting to cover up there mistake but making these accounts valid when they are not. Please take action immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: WELLS FARGO & COMPANY
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Tuesday, XX/XX/XXXX at XXXX pm I received a text message from Wells Fargo fraud alerts asking if I authorized a {$2000.00} XXXX transfer. I immediately responded No. see below : XXXX XXXX XXXX XXXX XXXX Text Message Tuesday XXXXXXXX XXXX Free Msg-Wells Fargo Bank Fraud Alert-Did You Attempt To Do A XXXX Transfer For The Amount Of {$2000.00} Reply YES or NO Or XXXX To Decline Fraud Alerts No Thank for your confirmation case id # XXXX Seconds later I got a call from XXXX which is Wells Fargo customer service so I immediately answered. The guy ( I cant remember his first name but last name was XXXX XXXX said he was calling with Wells Fargo fraud prevention on a recorded line. He said there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with my name and phone number and redo the attempted transactions. He had me send myself {$1000.00}. Than {$1000.00} again. Than {$800.00} which declined because my funds were depleted. Than the call dropped. I received these text messages : Text Message Tuesday XXXXXXXX XXXX  XXXX XXXX XXXX WON'T CALL for this XXXX XXXX, Enter : XXXX. Don't share! Reply HELP for help, STOP to end msgs. XXXX XXXX XXXX rates apply. Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your XXXX XXXX account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your XXXX XXXX  account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Text Message I immediately called back Wells Fargo at XXXX and filed XXXX fraud claims realizing I had been scammed. Wells Fargo has since denied my claims. Since XXXX XXXXXXXX was the receiving financial institution I have to file with them. However since I do not bank with XXXX XXXX they wont do anything for me. So this is my last attempt at fighting this. All my money is gone and Im broke. 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 explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: VA
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 see inquiries on my credit that arent 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 2023-09-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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:
This account is not mine XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: IA
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XX/XX/XXXXAcct. No. XXXX is OBSOLETE. 

Delete this account IMMEDIATELY.

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 2018-08-21
Company: Equidata, Inc.
State: NC
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:
On XX/XX/XXXX, I sent an investigation request to XXXX and XXXX XXXX. Over 30 days have past, and they have yet to respond.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been a member of a group for those who are recovering from bankruptcy. The name of the group is called XXXX XXXX XXXX, and is run by a man named XXXX XXXX. 

In XXXX of XXXX, XXXX sent an email solicitation for a 1 on 1, face to face, lunch meeting with him in XXXX, GA ( XXXX ) to talk about anything we wanted for {$500.00}. We were to send XXXX 3 dates between XXXX a XX/XX/XXXX. 

A few weeks after signing up, I had major XXXX, and was unable to send dates due to complications which lead to hospitalization. 

When I returned to work, I reached out to XXXX on XX/XX/XXXX, I reached out to XXXX via email informing him that I had had XXXX, and was just getting back into the swing of things. I asked about my 4 hour session and received no response. 

I reached out again on XX/XX/XXXX. This time XXXX replied that I had missed the date, and that I could maybe take advantage during XXXX, and XXXX XXXX 's later this year. I advised XXXX that, that does not work for me, and asked for a refund of my funds. 

He then came back and offered me a 2 hour session, via telephone. I advised him that I had paid for 4 hours, face to face, and that was what I wanted. I again requested a refund, and received no response. 

On XX/XX/XXXX, I reached out to my bank, Bank of America ( BOA ), and requested a chargeback of my funds. The following day, XXXX and I literally had an email war with him threatening me, and telling me he would get his money back. 

At this stage, I do not want to have a session with him at all! I inform my bank of the same. 

At any rate, on XX/XX/XXXX, BOA notified me that they would be reversing the chargeback on XX/XX/XXXX. Their decision was based upon documentation the merchant provided indicating that the service was rendered and available to me. And, that per the documentation the Merchant has a 30 day money back guarantee. 

In response to BOA, my argument was that I have yet to the receive the services, and the so called items that were supposed to come along with it. The merchant is back to being unresponsive, and the documentation he provided them stating a money back guarantee was bogus, and contained information for XXXX, Colorado, not XXXX, Georgia. 

Furthermore, I have since discovered that this man is a con artist who has been conning consumers for years now by offering services, etc ... and never providing them, and when he is sued, he files bankruptcy. 

I also provided BOA with the websites where I found some of the disturbing information I discovered about XXXX XXXX. 

The first one is XXXX, and, the second one is ... 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