BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: Firstsource Business Process Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX First Source Advantage, LLC XXXX XXXX XXXX XXXX, NY XXXX RE : XXXX XXXX Acct # XXXX Amount {$890.00} Dear First Source Advantage, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of XXXX  and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested numerous times for this account to be deleted because it was found to be inaccurately reporting with XXXX and XXXX so they deleted the account. Transunion however keeps sending me stall letters and information stating that the account has been updated and verified and that was a lie. Transunion is not being hinest or fair in their reporting practices. Transunion has lied and published the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my consent and I want it deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
FINAL NOTICE TO BANISH MY CREDIT REPORTS/FILES FROM MY CREDIT PROFILE FROM YOUR DATA BASE AS XXXX IS TRYING TO DUE.

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 2019-01-29
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transfered from XXXX to XXXX  XXXX  XXXX. I mistakenly made my XX/XX/XXXX mortgage payment to XXXX after the transfer date. I sent the payment on XX/XX/XXXX. XXXX said they sent the payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX has not recieved the payment. XXXX sent me a letter stating they recieved the payment and forwarded to XXXX XXXX bit they will not provide me any tracking info. XXXX XXXX has stated it takes 30 days to " hit '' my account. That changed to 45 days and now 60. I filled a missing payment request with XXXX XXXX. I was told it takes 7 to 10 business days to investigate. It now has been 13 days with now results. XXXX is unwilling to help me at this point and XXXX XXXX keeps putting me off. At this point no one can account for the {$1700.00} payment I sent for XXXX. XXXX XXXX wants me to make my payments like normal but I feel the longer it goes the more complicated this gets. I need to get the money applied to my account so I can get straightened out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was opened without my knowledge or consent using my name, XXXX, and address in late XXXX. I was notified of the fraudulent account and called Bank of America right away to inform them that I did not request or want a checking account with them and was told that they opened up a fraud ticket and provided me with a claim number. I followed their instructions for contacting XXXX XXXX, XXXX, and other creditors and even called my local police department to open an investigation at the urging of Bank of America. Following their process I filled out paperwork, took myself and my ID ( photo ) and my passport and social security card to the local Bank branch and they faxed it into their fraud department. Since then I have gotten a debit card, and bank statements sent to my home for the account that I asked to be closed 2 months ago. I am starting to feel this is some sort of internal fraud within Bank of America itself. Similar to XXXX XXXX XXXX XXXX  XXXX I am looking to have this account closed once and for all. I have had to jump through so many hoops to prove I am me to close an account that never should have been open! Why was all this ID/passports/SS cards required to open the account?? Further every time I try and call the Fraud department they never answer the phone and the automated system hangs up on me. I have also tried calling other departments and they can't assist as the Fraud department has put some sort of marker on the account preventing its closure!! This is bad business and fraud on all level. Please HELP.

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 2023-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Around XX/XX/XXXX i contacted Wells Fargo auto loan dept and asked them why maturity date has been extended form XX/XX/XXXX and why do i have some much extra fees and if they can send me a payment history since i began the loan in XXXX of XXXX my payments were XXXX and i have been paying ever since my interest rate was locked in at 5.890 % they constantly have hit me with late fees and refuse to send me payment history through out my loan

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon receiving my credit report, There is currently an unauthorized inquiry from XXXX XXXX XXXX reporting on my consumer report dated XX/XX/21 and I demanding it be deleted. 

Pursuant to 15 USC 1681b ( f ), a person must have permissible purposes to access my consumer report. Considering that this company is a debt collection company there is no reason for them to have accessed my report without my written consent or without a permissible purpose. This is a XXXX invasion of privacy for anyone to be able to access my report. 

Transunion furnished this report to the debt collector and failed to verify why they needed access to my report and provided all of my personal information to them. 

XXXX XXXX XXXX used my personal identifying information in order to access my credit report which I never provided consent to and I had no knowledge of until now. 

Having this inquiry reporting on my consumer report is causing me great financial harm and having this reporting is lowering my credit score. 

I demand that this inquiry be deleted immediately and I am also demanding the reason that they accessed my report in the first place.

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 2022-01-14
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date XXXX XXXX XXXX. {$590.00} written off. 
XXXX Potentially negative Date XXXX XXXX XXXX. {$190.00} written off. 
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$5400.00} StatusAccount charged off. {$5700.00} written off. {$5400.00} past due as of XX/XX/XXXX. 


The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following hard credit inquiries we're pulled without my permission. 

Trans Union - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-12-18
Company: Diversified Adjustment Service, Inc.
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for a 30-day no-cost trial of XXXX XXXX XXXX XXXX XXXX service through a field sales representative who knocked on my door. The service started on XX/XX/2023 and I cancelled within the 30-day period ( on XX/XX/2023 ). The equipment was returned via the shipping box that XXXX sent out shortly thereafter. Since XXXX, I received every month a bill for {$58.00} that should never have been charged. I called XXXX XXXX XXXX, every time a representative assured me that a credit would be issued in the next billing cycle to XXXX out the account balance and it never happened. XXXX confirms that the notes on my account confirm my version of events, however they refuse to provide anything in writing that confirms this. They then sent the account to collections in XX/XX/2023 and reported to the credit bureaus incorrectly that there is a debt that is unpaid. I have since paid the {$58.00} dollars alleged balance on XX/XX/2023 in the hopes that it may reverse the credit bureau situation while I pursued a refund from XXXX. 
There is now a collections notation showing on my credit report which is incorrect and should be removed. XXXX is at fault in not crediting my account as they agreed to. If anything, I should be given a refund for the {$58.00} that I have paid to try and make this go away. 

XXXX is telling me they can not reverse the negative citation on my credit report and directed me to the credit bureau ( XXXX ). I disputed the situation with XXXX and they came back that they have contracted XXXX and confirmed that the information provided by XXXX is accurate and that if I still disagree then I should be talking to XXXX. Everytime I talk to XXXX, the customer service representative states that they see the notes confirming my version of events and then try to transfer me off to one department after another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: NJ
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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible :

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following hard inquiries have been disputed several times and they are still on my Transunion XXXX and XXXX credit report. I have no knowledge of these inquiries or any knowledge of the companies associated with these accounts. I been disputing these since XX/XX/XXXX and I want these 6 hars inquiries removed immediately because this is in violation of the FCRA

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 2022-04-21
Company: Experian Information Solutions Inc.
State: IL
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:
There is a Bankruptcy reporting on my Experian Credit report and this can not be allowed. I have spoken with both XXXX XXXX and the US BKPT CT XXXX XXXXXXXX. The US BKPT CT XXXX  XXXX has stated and confirmed that they DO NOT report to the bureaus so there for it is illegal for this information to be on my report from a company / court that does not report. Just because the information is purchased by XXXX XXXX, it still goes against the FCRA and I will take action if need be.

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 2019-01-29
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage was paid off XX/XX/XXXX. I had automatic payments set up through my credit union and forgot to cancel them after the loan was paid off. XX/XX/XXXX my credit union submitted my regular payment ( XXXX ) to DiTech. When I realized what had happen I contacted DiTech by phone explaining my mistake and please refund the payment. They told me it would be straighten out quickly. I had not received the refund by end of XX/XX/XXXX I contacted them in writing and received a letter saying the matter was being investigated. I replied there was nothing to investigate it was a simple overpayment and return my money. I received another letter saying I would receive their answer in XX/XX/XXXX ... As of now I have not received my refund, I don't see any good faith on their part of returning this money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I am not liable for these debts. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality un 15 USC 1681. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TN XXXX XXXX XXXX XXXX -TN XXXX XXXX XXXX XXXX, has violate my rights. 

*15 USC 1681 section 602 A. States I have the right to privacy.

*15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without any written instructions.

*15 USC 1681c. ( a ) ( 5 ). 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 USC 1681s-2 ( A ) (! ). States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please remove these adversely accounts which is injurious to my credit rating. I can't obtain credit and it's costing me thousands of dollars.

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 2022-12-28
Company: OneMain Finance Corporation
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The car is paid off and ONE MAIN will not send the release of XXXX. Instead, ONE MAIN sends me repossession letters again. Ive already had them repo the car. The letter clearly stated pay the full balance, not just past due balance, or were selling your car. If I have the car in my possession, that means they gave it back to me. That must mean I paid it off. This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've just received my credit profile and noticed unauthorized items that shouldnt on my credit report. These have been rough times during these terrible outbreaks from the covid 19 pandemic

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$370.00}

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