BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also States a consumer reporting again y can not furnish a account and it hour 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 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have sent numerours letters to the bureaus and usually there is no response. I did receive something stating that items were verified. I have sent another letter like the burueas asked me to do to get this inaccurate information off of my report. I also wanted to know how this information was verified because none of the creditors were able to furnish me with the information. It seems if I owe a debt they would send me proof but for some reason they don't have it. I would like this negative information remove from my credit ASAP.

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 2022-02-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian corporate office : XXXX XXXX XXXX. XXXX XXXX, CA XXXX. XXXX XXXX XXXX XXXX Re : Experian report XXXX XXXX XXXX XXXX XXXX. ( XXXX ) XXXX Experian continues to block me from the ability to dispute accounts that are being reported on my credit report by abusive collection agencies with malicious intent who are in violation of the FDCPA. " Legitimate '' proof of debt not provided by any of the aforementioned collection agencies. Experian may be protecting these collection agencies with no merit. Below are a list of a few collection accounts in which are abusively reporting and ignoring requests from this author. In addition, they have failed to acknowledge the documentation that I have sent them. 



( XXXX ) National Credit systems Address XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account ( XXXX ) Rent debt Automatic collection Address XXXX XXXX XXXX XXXX, TN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$2900.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX from 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 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Credit Karma, LLC
State: MA
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:
Credit Karma has been deliberately targeting myself and others as well with mismanagement of credit scores, there is absolutely nothing that changes within the company system I have been in the lower scores going on almost 6 years and each time Ive reported this issue Im going through a chat or as there is no one to be redirected to. Obviously this is purposeful and I believe it to be a targeting tactic to push the agenda of reducing any credit issues by submitting to a loan company an d of course the credit card companies that are offered by the site and if not accepted they pay {$50.00} dollars. I want actual answers and I want my credit score up to the XXXX where its supposed to be. This score system I believe is a targeting tool used against ethnicity and religious groups to perpetuate the low score myth as Im living proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached out to Tranunion via dispute several times to investigate this late payment on this account. When a dispute was open i requested that they verifiy this information to be correct and send method of verification. They failed to do so and still are reporting as late when the other credit bureas are reporting 100 % on time payment. I sent them this proof as well. In addition under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am demanding that they update this account to never late and 100 % payment history as this is damaging to my credit.

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 2022-02-27
Company: EQUIFAX, INC.
State: GA
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:
These accounts do not belong to me. I was a victim of identity theft. The accounts are XXXX XXXX XXXX. The collection amount is {$1700.00} and it's from XXXX XXXX  with a collection date of XX/XX/XXXX. The next fraud account is also from the XXXX XXXX XXXX for the amount of {$890.00} with a collection date of XX/XX/XXXX. This is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: WELLS FARGO & COMPANY
State: NM
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:
Wells Fargo provided my SSN and all of my financial documents in response to a administrative illegal subpoena without my written permission or authority from the account holder causing me severe financial harm.

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 2021-10-08
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a recurring preschool tuition charge to my Citi Priority checking account. A few business days before the XXXX monthly charge kicked in, I realized the account is a XXXX XXXX dollars short, so I transferred money from my brokerage account ( also with Citi ) to the checking account. A few days later when I followed up on the app, I realized the transfer did not go through and was nowhere to be found, so I tried again. It disappeared again, and at this point, the charge kicked in. So I got charged {$34.00} NSF fee ( which Citi later refunded ) and {$50.00} NSF fee by the school, and my balance dipped to negative. I tried transferring money from the brokerage again, and it kept showing error message 'Your request can not be processed at this time. Please try again later '. I tried transferring from my account with another bank, and got error message 'You 've reached the maximum number of accounts allowed. To add a new account, you must first delete one ', while in reality this is the first external account I have. I don't want the overdraft status to be reported to XXXX ( or whatever bank activity reporting system ) and get ding'ed in the future. I have many incidents with Citi before, and it's truly the worst. 

Account transfer reference number ( I forgot to take the first one, but did have pictures of the next two once I realized the first one disappeared ) : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I want to report some fraudulent inquiries that are on my TransUnion credit report and I want them to be deleted as soon as possible. Here are the fraudulent inquiries : XXXX XXXX XXXX XXXXXX/XX/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 2021-10-07
Company: United Shore Financial Services, LLC
State: WA
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 is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with United Wholesale Mortgage ( UWM ). There is a 30-day late that occurred in XXXX/XX/XX/XXXX. An auto mortgage payment to UWM ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XX/XX/XXXX, because UWM cancelled our auto-payment when UWM shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, UWM did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XX/XX/XXXX. We made our first payment in XX/XX/XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by UWM. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from UWM, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX Dear Sir or Madam, This letter is in reference to my student loan with XXXX XXXX. The account number is # XXXX My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with Chase Auto Loans, and my goal is to maintain the relationship weve built over the last number years. Recently I was even given a new Chase auto loan for my XXXX XXXX XXXX which like my first auto loan with Chase was paid off early. I recently pulled my credit report and discovered I had a late payment that was reported on XXXX & XX/XX/XXXX for my auto loan for the XXXX XXXX account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time loan payment those months. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation and ensured it didnt happen after those months. Up until my the medical emergency, I had an on-time payment history and also after. The loan was also paid off earlier than the term date. 

Based on my otherwise spotless payment history, the date of the late payment as well as the account age almost 7 years, along with the history of my new Chase auto loan that was paid on time as well as paid off early. I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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:
There is an invalid debt collection from XXXX  XXXX appearing on my credit report. 

My contract was up with XXXX, so I went to a XXXX store to get an inquiry on an account with XXXX for a phone replacement and possible service. After receiving the quote, I spoke with XXXX to cancel my existing service. On this call, XXXX made a better offer so I decided to stay with XXXX. I never activated the XXXX or account nor did I get a phone with them that day, but I notified them anyways that I wasn't going to be switching carriers, and I thought it was done. Approximately a month later, and to my surprise I received a bill in the mail from XXXX with my middle and last name. This account showed that it had not been used at all, there was no device activated and in the 30 days the account was activated, no phone calls or text messages were sent, nothing. At that moment I called XXXX and explained the situation, the representative assured me that she would delete the account. 30 days later I received a second bill with the unpaid balance and a new bill for the current month! At that point I went into the XXXX store to speak to the manager, he reassured me again that he would take care of it, but never did. Then, I see a collection pop on my credit reports regarding this invalid debt. This account was opened without my consent, even after I notified XXXX I was not going with their service, and now its hurting my credit. I was well within my right of recision for cellular service, I never activated a device or service. It was obviously an error on their part and I demand this collection be removed FULLY from my 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 explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Cease and Desist Reporting to Consumer Report - Account # XXXX and Account # XXXX Dear Sir/Madam, I am writing to formally request that XXXX XXXX XXXX cease and desist XXXX reporting the following accounts to my consumer report : Account Number : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information being reported to consumer reporting agencies. Upon careful review of my credit report, I have reason to believe that the reporting of these accounts is inaccurate or misleading. 
I am requesting that XXXX XXXX XXXXXXXX refrain from reporting any information related to these accounts to any consumer reporting agency. This includes but is not limited to credit bureaus and any other entities that collect and maintain consumer credit information. 
I expect that XXXX XXXX XXXXXXXX will promptly investigate the accuracy of the information being reported, correct any inaccuracies, and update my credit report accordingly. Until such investigation is completed, I request that you refrain from reporting any further information regarding the mentioned accounts. 
Please provide written confirmation within XXXX  days of receiving this letter, acknowledging your compliance with this cease and desist request. Failure to comply with this request may result in legal action being taken against XXXX XXXX XXXX in accordance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I trust that XXXX XXXX XXXXXXXX will take immediate action to address my concerns and ensure the accuracy of the information being reported. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: AmeriHome Mortgage Company, LLC
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had no issues requesting 12 months covid hardship forbearance, plus an additional 3 month extension directly online with a click of a few buttons for my VA backed mortgage. 

I requested my final extension of my covid hardship forbearance on XX/XX/XXXX over the phone to Amerihome Mortgage, about a week before my current forbearance was due to expire. According to the VA I have the ability to request the second 3 month extension to my forbearance, and according to the VA XXXX, the servicer of the mortgage will aprove the forbearance. 

Now 2 weeks later, the mortgage company says they have to send a packet to me so I can prove I have a covid hardship, while technically without the approval, right now I am in default. From what I gather, they are not allowed to require documentation for my hardship and must approve if I request the additional forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt has been paid and I have proof. it is attached below. Additionally I have requested that this item is deleted from all consumer 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 2023-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern, My name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation