BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint AGAIN to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX TO XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO 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 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 2019-06-23
Company: The CBE Group, Inc.
State: CA
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:
My XXXXXXXX score had drop 35 credits by this case! And I do not know why and how this case happened! then even give the case, so I can not submit my dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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: Credit inquiries on your report that you don't recognize

Complaint:
IVE BEEN A VICTEM OF IDENITY THEFT, IVE REQUEST MULTIPLE TIMES TO HAVE AN ALERT PLACED ON MY CREDIT. MEANING NO ONE SHOULD BE PULLING MY CREDIT WITHOUT WRITTEN CONSENT, IVE ALSO SENT MULTIPLE REQUEST TO BOUT TRANS UNION AND XXXX BOUT OF THEM IGNORE MY REQUEST. THEY REFUSE TO INVESTAGTE. PLEASE SEE THE FOLLOWING INQURIES AND DELETE FROM MY REPORTS, AS I NEVER GAVE CONSENT. 

TRANS UNION IQURIES FACTUAL DATA 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 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 2020-11-06
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi, my credit score as XX/XX/20 in XXXX  is XXXX and in XXXX  is XXXX but when I check my credit score on Experian is XXXX it makes no sense, I believe Experian is lowering people 's credit scores in a way to force people to buy the Experian Credit Boost propaganda, the credit scores starting to look very different from XXXX, XXXX  to Experian, when Experian started to promote the boost the Experian credit score service. 
Please help me and look into this. In my opinion Experian is lowering people 's credit scores to sell their Credit Score Boost Service.

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 2018-03-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I entered the XXXX XXXX XXXX XXXX on XXXX XX/XX/2017. At that date, I had a balance of {$24000.00} on my Wells Fargo ( WF ) Visa credit card. At the time of entering XXXX XXXX under Title 10 of the U.S.C., I provided WF with a copy of my Orders. WF acknowledged receipt of these Orders for my checking and mortgage account, but after nine months have still not applied the SCRA benefits to my credit card, which oddly enough is the only account that stands to benefit from the SCRA 's protections. I contacted WF about the incorrect interest rate in XXXX and again provided them with a copy of my Orders because they " never received them, '' even though they could see that my checking and mortgage accounts had the SCRA protections on them. WF now acknowledges via telephone that they have all of the needed documents, but are " still processing my request. '' As of this writing, they have been " processing the request '' for a month and a half. Since entering XXXX XXXX, I have not used this Visa card for any purchases, so all interest accrued on this card should have been capped at the statutory cap of 6 % rather than the previous 12.75 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX  and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REMOVE OR DELETE this information which can not be verified. 
XXXX XXXX XXXX Date Opened : XX/XX/2017 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 2021-10-16
Company: Lendmark Financial Services
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account show up claiming opened in 2018 at a Lendmark. The account was never authorized by me or paid by whomever opened it. Once I found out about the account, I visited the Lendmark location, provided all the things they asked for, filed a police report, had signed affidavit forms notarized and they advised this would be corrected because the camera recording they had was not me. They even told me someone was calling in each month saying they were my family or POA without any documents and saying I had died. Nothing was removed, instead they begin to try and have me settle and pay something on this debt they knowingly gave to someone in my name that was not me and communicated with another person regarding the account, knowing that it was fraud. It has been removed from all reports except XXXX. This has given me great trouble with gaining loans to finishing obtaining my XXXX XXXX and I have continued to try and get this resolved. The dispute with only XXXX has been denied over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are 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 2022-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. I was not notified of the investigation status if there is one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had no idea loan amounts would be this large and would be for this amount, the school job rate after is awful this degree they say there is nothing that can be done getting a degree here was too expensive with no help to obtain a decent job

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, I downloaded an app called Wise ( transfer wise ), known as Wise Payments Ltd, its an multi currency and money transfer company, I opened an account and topped up {$21000.00} NZD, and on XX/XX/2023 I tried to transfer {$21000.00} to my own bank account, they just closed my account without notice, now I couldnt login to my wise account, and couldnt reach any of their customer service from the wise company, Ive been waiting for almost two months, still no one solving the problem and refund my money. I really need your help get in touch with them and get my money back, its all of my savings, many thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: WELLS FARGO & COMPANY
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:
An account with WF/XXXX # XXXX was opened in my name in the year, XX/XX/XXXX. The account was sent to collections in the year XX/XX/XXXX. The 7 year statue of limitations has been exceeded yet WF/XXXX and the credit bureaus continue to allow this old 7+ year debt to remain on my personal credit bureau report. The creditor was actually allowed to reinstate in XX/XX/XXXX. This is a violation of my rights and since the collection was first reported more than 7 years ago, it should no longer display on my credit bureau reports.

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 2023-04-21
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 had reached XXXX bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been 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 non-monetary relief
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX Balance : {$330.00} Date Opened : XX/XX/2020 {$320.00}

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 2018-07-30
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the Borrower, XXXX XXXX XXXX. I reside in XXXX XXXX, Texas. 

In XXXX of XXXX, my business and affiliate self-employed business shut down. Within a few days of this hardship event, I contacted the lender of my mortgage ( as I thought to be at the time holding my Note and Mortgage ), XXXXXXXX XXXX XXXX XXXX with Loan # XXXX ), and further advised that my income had been severely diminished ( for a short period ). XXXX XXXX XXXX XXXX   representative received my application on or about XXXX XXXX and denied my application in less than 5 days from submission. Further, this lender ( their servicer ) never EVER responded to my formal QWR certified and mailed months ago. This is a federal violation of law. As importantly, I had been requesting a modification for many months between on or about XX/XX/XXXX and XXXX of XXXX, with no response from my servicer of the lender, US Bank.

12 U.S. Code 5219a provides that a borrower such as me has remedy rights and federal and state statute proper recourse to pursue a merit/income decreased based loan modification under certain circumstances, that I qualify for, by which my servicer and lender unequivocally did not comply with federal ( RESPA, Regulation Z & X ) and state guidelines under Mortgage Foreclosure law. Further, this lender and servicer is comfortable violating federal and state laws, as they feel I have no recourse nor a credible enforcement agency to seek equity or justice, based on the XXXX Administration. I disagree. There are over 40,000 government employees committed to the injustices pressed down upon good law abiding citizens by money-funded private bankers who never seek a voice to be heard by a homeowner, such as me. 

I seek a formal complaint against XXXXXXXX XXXX XXXX XXXX and will pursue every legal remedy to obtain justice and equity and fairness.

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 2018-07-30
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We owe no debt but have been getting robocalls attempting to collect debt from ( no name provided ) at my cell phone number. I cant report them to the FTC because apparently anyone pretending to be collecting a debt doesnt have to abide by the Do Not Call list, even if the debt is imaginary. The call on XX/XX/XXXX at XXXX came from XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation