BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX The following discrepancies have been identified on my credit report, along with their corresponding FCRA violations : Collection account from XXXX XXXX with account # XXXX and a balance of {$350.00}. The original creditor is XXXX XXXX XXXX. 

Violation : FCRA 623 ( a ) ( 1 ) ( A ) Violation : FCRA 623 ( a ) ( 2 ) Violation : FCRA 611 ( a ) ( 5 ) ( A ) I dispute the accuracy of the amount and the open date of this account. To comply with FCRA regulations, I request the Consumer Financial Protection Bureau 's assistance in procuring the last billing statement from the original creditor, which should reflect the amount due and the date it was due. Non-compliance would represent a violation of FCRA regulations, and I rely on the Bureau 's support to address this matter. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1400.00}. The original creditor is XXXX XXXX. 

Violation : FCRA 623 ( a ) ( 1 ) ( A ) Violation : FCRA 623 ( a ) ( 2 ) Violation : FCRA 611 ( a ) ( 5 ) ( A ) I contest the accuracy of the amount and the open date of this account. In accordance with FCRA guidelines, I kindly request the Consumer Financial Protection Bureau 's assistance in procuring the last billing statement from the original creditor, which should indicate the amount due and the due date. Failure to provide this information would amount to FCRA violations, and I look to the Bureau for resolution. 

Collection account from XXXX with account # XXXX and a balance of {$2000.00}. The original creditor is XXXX. 

Violation : FCRA 623 ( a ) ( 1 ) ( A ) Violation : FCRA 623 ( a ) ( 2 ) Violation : FCRA 611 ( a ) ( 5 ) ( A ) I challenge the accuracy of the amount and the open date of this account. To comply with FCRA provisions, I request the Consumer Financial Protection Bureau 's assistance in obtaining the last billing statement from the original creditor, indicating the amount due and the due date. Neglecting this request would constitute FCRA violations, and I look to the Bureau for resolution. 

I implore the Consumer Financial Protection Bureau to conduct a comprehensive investigation into these matters and facilitate the immediate deletion or correction of the disputed information, as mandated by FCRA regulations. Please be aware that failing to remove or rectify these inaccuracies within XXXX days may prompt legal action against all relevant parties, based on FCRA violations detailed in the 2023 Fair Credit Reporting Act. 

Thank you for your diligent consideration and prompt action in this regard. 

Sincerely, 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 2021-07-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See previous complaint. I was not notified Wells Fargo Home Mortgage made a response here on this site with my complaint, nor was a I notified that I had a time limit on responding otherwise CFPB would close it. Wells Fargo Home Mortgage closed my complaint because I had to wait for an email from the credit union with proof of payment on my end. Then they transferred me to someone else who in turn was doing the same thing. I provided everything they asked for but no one from cfpb reached out to me asking if what they were saying was accurate. This is far from closed!

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 2021-03-09
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On the XX/XX/2016 a fraudster took out a vehicle with XXXX XXXX XXXX using my credit information. I have contacted the three bureaus ( XXXX, XXXX & XXXX ) but XXXX and XXXX add it back on. I have filed a complaint with the Federal Trade Commission and also filed a Identity Theft Affidavit in which I certified to make sure they have received all proper documentation. XXXX has removed but XXXX and XXXX have not permanently removed this fraudulent account from my credit. Clearly I need additional help to let them know they need to do a better investigation. They are not complying properly under the Fair Credit Reporting Act. Identity Theft has affected my credit tremendously and since then have been turned down by both lenders and creditors because of this fraudulent account. This is not OK! I have requested additional information multiple times and I haven't received anything. I also made sure that I sent everything via certified mail. I want this fraudulent account that falsely shows that I owe American Honda Finance {$8300.00} removed immediately before I am forced to seek further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : PORTFOLIO RECOVERY {$1000.00} PORTFOLIO RECOVERY {$930.00} Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from My credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus  attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was called by CBE Group. XX/XX/XXXX about XXXX. They are trying to contact the former owner of this phone number, which I have had continuously since XXXX. I have told these companies to STOP calling this number for that other person. I have absolutely no connection or relationship with that other person other than this phone number. We need laws passed to make it illegal for debt collectors to bother new owners of phone numbers formerly owned by the person who had it sometime in the past. 

XXXX XXXX 's comment about insanity applies here - repeatedly doing the same thing without success, hoping for a different result. The citizenry should be protected from this insanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Money was transferred from checking account to savings account. Money was intended to be for rent. Planned to move Money back and pay rent when the management group updated our portal. The savings account was closed without my consent but only after our funds were transferred. Now we do not have our rent money and the institution support is saying not to worry that the money should be credited to the original checking account within 5 business days. Meanwhile my rent will go unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
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: Was not notified of investigation status or results

Complaint:
I have submitted disputes several times to Experian/XXXX  and XXXX  and no one is responding ... There has to be some kind of law that helps us consumers out when we are submitting disputes to the credit bureaus. I want these items investigated and deleted from my credit report. Thank You, XXXX XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERFIED ACCOUNT- UNVERIFIED ACCUNT XXXX XXXX XXXX XXXXNOT MY ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXXXXXX XXXX XXXXXXXX XXXX - NOT MY ACCOUNT XXXX XXXX XXXX XXXXXXXX -NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XX/XX/1979

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 2019-10-08
Company: Nelnet, Inc.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX, I enrolled at XXXX XXXX XXXX to obtain an education in XXXX XXXX XXXX XXXX for which I had received an XXXX  's in XXXX. In order to be able to afford to go to this school, I was told to apply for a school loan ( several loans, as it turns out ) on the advice of the school rep and have been paying back since graduating. 

However, it has come to my attention through my brother who lives in XXXX, within the last month, that the above-mentioned school has been closed down for being a predatory school. He proceeded to send me information regarding the school, see link XXXX XXXX XXXX I have been paying off my student loans since approx XXXX onwards, 13 years later, I am now a new mom with a XXXX old baby and I can not afford to pay the remainder of my loan. I've paid off at least XXXX of this debt. It sickens me to know that the school loan provider has not once mentioned any suggestion of a solution. 

Since I graduated from XXXX XXXX XXXX in XXXX, there was no job placement or advice offered. I have not worked in the fashion industry utilizing my education and skills that were taught and apparently I was on the honor 's list and dean 's list for being an outstanding student - what good is that to me? 

When I moved back to my home, I couldn't find a job with my, now-useless, degree and was so deflated for years with a degree that has no value and has cheated me of my self-worth. 

The remainder of the loan is now with Nelnet. First, it was with XXXX XXXX - they crashed & burned, then XXXX took over the loan and now this new company. It's very frustrating to find out that the loan has moved companies. Who knows what arrangements have been agreed upon from one company to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am still waiting on TransUnion to remove these inquires that do not belong to me. This is my second CFPB complaint regarding this issue. My first complaint was XX/XX/XXXX and it is now XXXX. I need these items removed. They have had plenty of time to complete an investigation. 
XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX Have 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 2021-03-09
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a debt verification letter for an account they put on my credit report. This letter was received by XXXX XXXX from Rent Recovery Solutions on XX/XX/XXXX. on XX/XX/XXXX, I received a response from Rent Recovery Solutions, with a falsified document. This document was an invoice that bore NO valid or substantiated information about me. In fact, most of the personal information listed on this document has NEVER been associated with me or my name. This was clearly never thoroughly investigated to ensure that they are reporting accurate information. On XX/XX/XXXX, I sent another letter requesting verifiable proof that I owe the debt, including an original contract and proof they are licensed to collect in Florida. This letter was receive by XXXX XXXX on XX/XX/XXXX. As of XX/XX/XXXX, Rent Recovery Solutions has failed to respond with accurate documentation, yet they continue to report information on me that they know to be inaccurate, which is in direct violation of FCRA. They have not investigated this matter thoroughly and fairly or attempted to produce valid or substantiated documentation to show that they have verified this debt belongs to me, nor have they responded to my letters nor did they remove the account from my credit report whilst investigating per FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX we contacted our Mortgage Servicer, Mr. Cooper regarding our inability to make that month 's payment due to a personal hardship. I asked for a deferment and was told that because our mortgage was current they could not defer the payment. In XX/XX/XXXX I again contacted Mr. Cooper and requested assistance. At that time the customer service person told me that Mr. Cooper did NOT offer deferred payments but that she could send me a loan modification package to which I agreed. Following receipt of the package I gathered all requested information and either mailed or emailed it as instructed. I repeated received additional requests for more information and complied. Many times the information they would request would be something I had sent in several times previously. During this process I mailed payments to Mr. Cooper on two different occasions in an attempt to reduce our outstanding balance while waiting for a decision of the modification. I also continued to receive phone calls from representatives of Mr. Cooper attempting to collect our past due payments despite being in the process of trying to qualify for a modification. The callers seemed to have no knowledge that we were working with the modification department. In XX/XX/XXXX we received a letter from an attorney which appeared to be a demand letter for the full amount of our mortgage. Following receipt of this letter I contacted Mr. Cooper and was told that our house was being foreclosed on because they had not received the most recently requested documents. I asked if there was anything I could do and was told that if I paid the past due payments with fees of {$9700.00} ( approximate ) I may be able to save my home. I asked for a timeline and was told I would have to contact the local Sheriff 's office for a date of sale. Several days later I contacted Mr. Cooper again to find out why they would proceed with a foreclosure when I was in the process of a modification and was told the documents I has sent were sent to the wrong address. Today, XX/XX/XXXX I received a call from someone at Mr. Cooper telling me I WAS still being considered for a modification. When I asked what the outstanding balance to bring our account up-to-date was I was told a different amount ( higher ). When I questioned why the amount was higher I was told additional " corporate fees '' had been added. I have kept records of all correspondence, emails and phone calls and have documented the entire process. I am XXXX years old and am not sure how to prevent this company from taking my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}.

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 2023-08-19
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX  XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize these inquiries. I am requesting that the inquiries be removed.This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Bureaus the method of verification for disputes. In accordance with FCRA, I am requesting these inquiries to be deleted for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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