BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 received a copy of my credit report and noticed that there was a hard inquiry from XXXX XXXX on my Trans Union credit report. I haven't had my credit polled in over two years I never authorized, gave permission or signed an application to have my credit polled, I mailed a certified letter to XXXX XXXX  and Transunion and they were both received by them on XX/XX/XXXX. I asked for this hard inquiry to be removed after an investigation was done, and to provide proof that I applied for a loan, and for my credit to be pulled.. I never received any information from either place. I received an adverse action letter from XXXX XXXX, and that is all communication that I've received from them!

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 2022-09-29
Company: EQUIFAX, INC.
State: AR
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 am a victim of identity fraud i have been getting alerts that my information is on dark web and the following accounts and inquiries on my credit files when i pulled them where opened without my authorization or knowledge collection account - XXXX XXXX original creditor XXXX in the amount of {$1900.00} opened XXXX collection - XXXX  in amount of {$190.00} opened - XX/XX/XXXX XXXX XXXX XXXX in amount of {$520.00} opened XXXX XXXX XXXX XXXX - original creditor XXXX XXXX XXXX XXXX in amount of {$260.00} opened- XX/XX/XXXX XXXX  XXXX XXXX- in amount of {$500.00} opened XXXX XXXX XXXX XXXX  / original creditor XXXX XXXX  in amount of {$1400.00} opened - XX/XX/XXXX XXXX XXXX  - balance {$260.00} opened - XX/XX/XXXX XXXX  XXXX - credit limit {$13000.00} opened XXXX XXXX XXXX - balance {$57000.00} opened XXXX XXXX XXXX XXXX balance {$48000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX - {$500.00} opened XX/XX/XXXX XXXX XXXX XXXX - {$440.00} opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Bayfield Financial, LLC
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bayfield Financial LLC has sent me a subpena on a debt I paid in XX/XX/XXXX when It was discovered that I was not approved to live in the home I now own and have owned since XX/XX/XXXX- Once I showed proof I paid these creditors I was approved to move into my community. It was paid with XXXX cashiers checks totaling somewhere around the negotiated price of {$860.00} from XXXX XXXX bank which no longer exists. XXXX took them over. I contacted XXXX and they have no records and if they did, do not go back that far for cashiers checks. Now after 9 years they are claiming I never paid it and I owe {$8000.00} some dollars. After 9 years I have no more documentation of this - I shred all papers after 3 -5 years depending on what they are. I have never been contacted by this company in the 9 years since and all the sudden a lady shows up at my door XXXX day with a letter addressed to my maiden name and tells me to sign and show up in a makeshift court in a weeks time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
After spending less the XXXX minutes on the phone with a representative named XXXX, he not only was very rude but threaten to take legal action against me for a {$250.00} dollar debt. This company is n't in the same state as I am nor do I think it is acceptable to verbally abuse and threaten legal action, without even sending a client a letter of the debt they owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Citi Management Group, LLC
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
Citi management group keep calling about a loan i supposedly had 1 year ago, due to the harassment and threats i made XXXX payment of {$77.00} then XXXX further payments. 
they called the other day for more money but i was not able to pay the full amount, this resulted in me being told i would be taken to court and arrested. Also my amount owed would go from {$1300.00} to {$2800.00}. 
I was told they would tell the court i refused to pay the payment amount when i actually offered to make a reduced payment because i was not in a position to pay the full amount. 
I requested a copy of our " recorded '' conversation and was told she would n't play these games with me and i would be seen in court. 
Also i never received any paperwork with details of my loan or payment plan, i requested these several times and was told i would receive them. 
I NEVER ONCE REFUSED TO PAY THE LOAN IN QUESTION

Company response to consumer: Untimely response
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: LA
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:
See attached Docs stating late payments on accounts that I've never been late on. Remove these late payments from my consumer report as this a violaton of my consumer rights under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Also Under 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. The law is very clear as it pertains to my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: CA
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was directed to this website regarding the recent Wells Fargo Settlement. I did have a Wells Fargo account in the period between XXXX and XXXX and paid many overdraft fees to them when I had an account with them. I no longer have a Wells Fargo account. Please let me know what my next steps should be to find out if I qualify.

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 2023-04-29
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 XXXX XXXX XXXX Account # 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 2022-05-05
Company: ALLY FINANCIAL INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My payment due date on this vehicle purchased through Ally Auto finance was changed and was never updated on my credit bureau so my report shows XXXX late payments. I tried resolving this issue with the creditor to no avail. The vehicle has since been off in full.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to file a formal complaint against XXXX, TransUnion and XXXX for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, TransUnion has failed to rectify inaccuracies in my credit report, specifically concerning non-deliverable addresses, in direct violation of the FCRA. 

I initially brought this matter to TransUnion 's attention in a letter dated XX/XX/2023. As of XX/XX/2023, no action has been taken to correct these inaccuracies, despite the FCRA 's mandate for accuracy, fairness, and the substantiation of reported information. 

The FCRA stipulates that credit reporting agencies must promptly investigate and correct any disputed information. The inclusion of non-deliverable addresses not only compromises the accuracy of my credit report but also raises serious concerns about TransUnion 's compliance with federal regulations. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that TransUnion adheres to the FCRA and promptly rectifies the inaccuracies in my credit report. Your assistance in resolving this issue is crucial to safeguarding my rights as a consumer and maintaining the integrity of credit reporting practices. 

I have attached my initial dispute letter to TransUnion, XXXX and XXXX dated XX/XX/2023. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation promptly. 

Thank you for your assistance in ensuring fair and accurate credit reporting practices.

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 2020-12-09
Company: Experian Information Solutions Inc.
State: SC
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

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 U.S.C 1681 XXXX XXXX Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XXXX/2022 XXXX XXXX Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XXXX/2022 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section : 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: ROC Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call stating I owe this debt and it was in collections. I have never received notification by mail of this collection nor is it listed on my credit report. The particular company they mentioned I paid off on time and am in good standing since 2014 in which I have not done business with them or have not contacted them, and they have NOT contacted me. At this time I have no collections pending. I asked for a debt validation notice via mail, and they sent an email from their company. They also contacted my place of employment and threatened the person who answered. They also contacted my mother threatening to sue her as she was a reference in which I have never used my mother as a reference on any credit matters. I have received numerous voicemails and threats from this company for a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Back in The beginning of XX/XX/2022 I made a call to Navient trying to lower my payments ( as I have done many times in the last couple of years ). I have never received any assistance in lowering my payments and was told they could only reduce it by probably {$40.00} at most. I was always asked the question how much can you afford to pay followed by is that all. When returning to the line it was always there is very that we can do to help if any help at all. Ive explained several times that I am a single parent that receives no financial aid from the father so I dont understand how I can pay for roof over my head and afford student loans. Navient has this suit going on and I dont know if I qualify simply because I always scraped up what I could to pay so Im unsure if Ive ever been delinquent for 7 straight months. I was always tricked into forbearance but interest always grew so I could never lower my amount. How is it that people who allowed their accounts to become delinquent get all their loans paid off? Were they even trying? Had I even let mine go that far I would have been called 20 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo sent a claim to XXXX for XXXX XXXX XXXX ( Loan Number : XXXX ) for a fire that happened on XX/XX/2023. There are no incident reports of ( criminal or fire related issues ) for XX/XX/2023 at XXXX XXXX XXXX XXXX, MD XXXX. 

Wells Fargo reported the loss on XX/XX/2023. Again, there is no incident report. XXXX reviewed the claim and supposedly the house and sent over damage estimates. Wells Fargo was paid {$51000.00} on XX/XX/2023. XXXX sent the claim payment to XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX, CA XXXX. 

XXXX XXXX XXXX is not a part of the XXXX XXXX XXXXXXXX XXXX and should not have received any information or payment on behalf of the XXXX XXXX XXXXXXXX XXXX. 

Wells Fargo, again, has committed another fraudulent activity to obtain money from a home while the home is in short sale. They accepted the short sale offer and the insurance claim check. 

Our Short Sale Group, XXXX XXXX XXXX was not made aware of the insurance claim. To date, they are still uninformed of the claim or insurance payment. Emails of the short sale and insurance claim correspondence is attached below. 

Again, there are no incident reports for a fire on XX/XX/2023 at XXXX XXXX. Wells Fargo need to be sued and shut down. I'm sorry this information is beyond me. 

We also didn't receive any information of the incident, claim, and payment until after XX/XX/2023. The letter is postmarked XX/XX/2023. Photos and documents are included. 

Did Wells Fargo set the fire?

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 2020-04-07
Company: Kashable LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Kashable was withdrawing funds from payroll account on a bi-weekly basis. I signed a contract allowing Kashable to withdraw funds in the amount of the loan agreement of {$100.00} I did not authorize Kashable to withdraw the amount of {$100.00} I made several attempts to resolve the issue with Kashable. My concerns about my privacy and these unauthorized transactions have me feeling violate. I thought I could trust the company, Kashable, but evidently the records show how they operate business. They are scandalizing my credit score with falsified information. To settle this breach of contract on this day, XX/XX/2020, I am requesting that Kashable settle the remaining balance of : Loan ID : # XXXX {$2200.00} with XXXX amount ( {$0.00} ) owed from the borrower/myself, XXXX XXXX, and also remove anything that is pertaining to their company, Kashable, from all three credit bureaus. 
I have also attached the loan agreement and the documents of payment history that came directly from Kashable website ( kashable.com ) obtain by entering my username and password. I'm greatly looking forward to resolving these issues as soon as possible. I will conduct a follow up within the next 7-10 business days. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I recently had a few ( three to be exact ) medical collection accounts across all XXXX credit bureaus. After contacting the medical services and they adjusted the bills and showed me what I owed the information was already with the collection agencies, I proceeded to pay them off one at a time in full and according to the medical debt relief act and changes with Equifax, XXXX and XXXX any MEDICAL debt that gets paid by the consumer or by the insurance company gets removed immediately after the item is paid. Well only one Bureau was aware of this rule change and took off all of the collection items that were paid. Equifax has flat out refused to budge on this and stated that it would stay on my account for seven years! I tried to explain to the representative of the law changes and that Equifax was one of the companies that agreed to take off paid medical debt but they still would not budge. If removing paid medical bills from a consumers credit report is something that this company agreed to do going forward NATIONWIDE why am I having to fight to get this done. I 've attached a copy of the dispute results for XXXX and XXXX, XXXX shows unpaid but its now paid and I contacted them as well and they stated " No they would not send something to Equifax for the removal of this item ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: MFP, inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a collection listed on my credit file for {$170.00} which is unknown to me and has changed collection offices several times I request validation. Please help me

Company response to consumer: Untimely response
Consumer complaint received 2023-03-16
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
DOE XXXX XXXX Balance Owed : {$0.00} DOE XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}

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