BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX DATE OPENED XXXX Contact info XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2023-10-19
Company: TRANSWORLD SYSTEMS INC
State: TX
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 hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : TRANSWORLD SYSTEM INC Account Number : XXXX The account referenced above is fraudulent and does not belong to me ; XXXX XXXX XXXX XXXX The contract that was signed holds the signature of an individual by the name of " XXXX XXXX XXXX XXXX '' Please cite the documentation uploaded to verify this as well as my driver 's license. The signature on the contract and my license do not match. I'm 100 % sure that this was a fraudulent act committed against me. I'd also like to bring to your attention that all the names referencing this account are different across all three reporting agencies along with the payment history. Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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: Account information incorrect

Complaint:
I HAVE NEW INFORMATION to support my complaint On XX/XX/2022, I called XXXX XXXX XXXX regarding my financial hardship due to COVID-19. CREDIT CARD ACCOUNT # ENDING IN XXXX XXXX XXXX I spoke with an agent, who assured me that the CARES ACT would prevent late fees and late payment reporting from being assessed. 

I then made an attempt to contact the business to find out why this was being reported. When I explained that the information was false and that I had been promised that the late payment would be removed and the late fee waived, the representative said she couldn't assist me and that I would need to contact the consumer reporting agencies to file a complaint in order to have it 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I asked to contact the XXXX data breach Settlement, an my account was wired the Federal Judge, and used my account. After setting police reports with the administration to scam money and give my account to hackers. I may ask to, along without involving authorization of my work employee 's. I considered was to scam my credit also take action against me allowed to sue for a money was owed my account. Also pay my debts with good hands, I also need background reports of the incident and file for abandoned packages of shipment delays and investment 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 explanation
Consumer complaint received 2023-08-09
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: Personal information incorrect

Complaint:
I am trying to make a consumer credit transaction. Experian is reporting inaccurate information on my consumer report. This includes inaccurate addresses and inaccurate variations of my name. I am having difficulties getting approved for credit due to damaging information on my report. 

According to the FCRA 15 USC 1681 I have the right to a fair and accurate report. I have made EXPERIAN aware of the inaccuracies and by law they need to correct and update 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 2023-01-04
Company: Experian Information Solutions Inc.
State: LA
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:
According to the provisions of the Fair Credit Reporting Act [ 15 USC 1681i ( a ) ], report containing information sole as to transactions or experiences between the consumer and the person making the report this disputed items must be reinvestigated or deleted from my credit record within 30 days.

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 2023-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2022-03-28
Company: Experian Information Solutions Inc.
State: NJ
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 Company has failed to validate these accounts its been o we 60 days

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 2019-12-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two accounts in collections with Wakefield and associates. Both accounts are old. Wakefield and associates has reported both accounts as new to the credit reporting agency and dropped my credit score by almost 30 points. I monitor my credit closely and receive a notice today that there were two new account was added. This is re-aging and illegal. I called the creditor and they are denying it. It clearly shows on my credit report is a new collection account and this is not the first time they have done it. It has happened at least three times over the last year. Each time it drops my credit score which I am trying desperately to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I started a dispute with Equifax on XX/XX/2021 for the XXXX XXXX  that is on my credit and any remaining accounts that were included in the XXXX. At first I was not getting any responses from Equifax so I sent another dispute on XX/XX/2021 and XX/XX/2021. For the disputes I sent on XX/XX/2021 I finally got a mailed response from Equifax but it was false! They claimed that they verified my XXXX  with XXXX XXXX but that's not possible since my XXXX XXXX report is frozen and doesn't allow to verify nor does it even show the XXXX because it's frozen!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 & XX/XX/2023 I sent a billing error dispute to Chase Bank, customer service and their registered agent. I tried to resolve this billing error dispute but have not received a resolution. On XX/XX/2023, I sent a notice of pre-arbitration to cardmember services. The response I received was not the documentary evidence I requested according 15 USC 1666 ( b ). On XX/XX/XXXX I initiated a demand for arbitration. 

This process has been very stressful and XXXX inducing, for both my personal and professional life. Ive taken all the necessary steps and have received no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am reporting this company for trying to collect on a fraudulent debt by XXXX, who I have spoken with and has agreed that all I need to send them is a police report, about the fraudulent account opened in my name. To which I have done. These people keep sending me emails and saying that I owe, when I never opened the XXXX account in the first place. I want these people to know that just like I warned XXXX, litigation will commence against them, Just as it will against XXXX unless you all remove this fraudulent debt from my credit reports IMMEDIATELY!!! And NEVER PLACE THEM IN MY CREDIR REPORTS EITHER.! ( XXXX, XXXX, & XXXX ) or according to my attorney, they will be sued to the fullest extent of the law permissible. Delete this fraudulent debt or face the consequences for said actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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: Account status incorrect

Complaint:
There are inaccurate 30 day late payments being reported on my credit report on an account that has been closed for over a year. I have tried to get the creditor and the credit bureau to fix this, but neither of them will fix it. This is causing my credit scores to go down drastically and it's not right. I sent Transunion a letter disputing this on XX/XX/XXXX and they have yet to correct, delete or respond. They violated the FCRA by failing to conduct a proper investigation and knowingly reporting inaccurate information.

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: U.S. BANCORP
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 3 credit cards from US Bank. Changed my payment bank account to new bank account. But US Bank can't handle it at all. When i am trying to setup auto pay, I am getting this error : Our system isn't cooperating. Please try again. Our system isn't cooperating, Please try again. Talked to customer service on XXXX XX/XX/2023 during XXXX XXXX onwards. Later to supervisor. Nobody is of any help - in fact they don't know what are they talking about? 

Filed CPFB complaint " XXXX ''. They send me wrong instructions to setup automatic payment. Contacted XXXX at XXXX XXXX  Central times. 3 transfer and nothing done.

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 2022-05-28
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I live off a monthly benefit check which is directly deposited in my Wells Fargo checking a count. I have been a customer since XXXX. Apparently. Wells Fargo gave me a temporary credit due to having a negative balance prior to receiving the XXXX  tax credit. Yesterday, the bank reversed the temporary credit in the amount of XXXX which is more than my monthly benefit check, leaving my account in the negative {$300.00} and no money to pay utilities, for gas, groceries, to pay car payment or live on. I do not have food to eat or gas to even leave my driveway. I can not survive, already have XXXX and struggling.

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 2022-02-03
Company: EQUIFAX, INC.
State: TX
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:
XXXX, XXXX, and Equifax are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this XXXX XX/XX/2022. Equifax most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. XXXX made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, XXXX often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting. The csv files of these findings will also be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: TX
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 have sent a multiple request and asking, how they verified this account as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this account XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX XXXX : {$390.00}

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 2023-06-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac Loan Services , LLC, since the start of the Pandemic, has totally removed and or now removing online access or web-based access from service members or civilians to make monthly payments to their mortgages, demanding that member have to call in and make payments over the phone.This removal of access or retaliation began when the Covid-19 Mortgage Relief programs and if you were approved for any state assistance, PennyMac is restricting your access or ability to make monthly payments to mortgage accounts. I am utterly disgusted and frustrated at these mortgage servicing companies arbitrarily dictating how when and where a homeowner should make his/her payment. After trying for XXXX days to make my payment I finally called them today XXXX XX/XX/2023. Initially I thought I had something wrong with my electronics, the recordings stated they were experiencing high volume calls, long wait due to system upgrade/updates. Upon conclusion of that call I told I realized that this was the reason. As a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) I travel a lot for XXXX and don't a cellphone access as times to be calling and the waiting times are from XXXX minutes or more. I applied for a little assistance to the said mortgage relief program. I was informed by the representative that I was approved and that is why I am restricted to continue to making my monthly payments online ( I have no late or missed payments ). She initially stated that the program required this restriction. I further refuted that blame as read the requirements of the program to her and it mention nothing of the sort. She went on defending the restriction stating that If I want have this ability restored, I needed to cancel my enrollment and approval for support into the State Mortgage Relief Assistance program. This is straight retaliation towards folks who apply to programs to keep their homes. This is crippling the flexibility and access to make my monthly payment if I am not able to make a call while on military travel. Totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: TX
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:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collection XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX Balance Owed : {$10000.00} EXPERIAN Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collection XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX  Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Owed XXXX {$10000.00} XXXX XXXX Balance Owed XXXX {$150000.00} XXXX Inquiry XXXX XX/XX/XXXX Collection XXXX Balance Owed : {$1100.00} XXXX  Balance Owed : {$730.00} XXXX  Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
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: Credit inquiries on your report that you don't recognize

Complaint:
Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. I have contacted these creditors already and they have nothing on file under my name. I am demanding the deletion of these inquiries now. 

XXXX XXXX XXXX XX/XX/2021 XXXX For- XX/XX/2021 XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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