BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: DE
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 the following companies have violated my rights.

15 U.S.C 1681 section 602 A. States that 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 a consumers written instructions. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent Outsourcing inc at XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX has been sending me collection notices in the amount of {$3100.00} the collection has been reported as unpaid balance. I do not know this company. I have never done any business with this company. This company does not have a contract bearing my signature nor did I authorize any services pertaining to this matter.

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 2023-07-10
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In the attached response from TRANSUNION they indicate my credit file is currently inaccessible to any company or myself attempting to view my file. They go on to request verification documentation so they protect the confidentiality of my information .They ask for my social security number and proof of current mailing address in addition to other documents. I sent a copy of my social security card, Drivers License and all other requested documents via certified email on XX/XX/XXXX. On XX/XX/XXXX I received a response from TRANSUNION indicating that my address information was updated and they acknowledge my account with XXXX XXXX XXXX .However advised me that my account was suppressed. Why is it that the documents they requested and I submitted was sufficient to provide me with limited Information and make updates to my account based on what I provided. However not adequate enough to answer my questions as to what my account being suppressed means and why is it suppressed and make my report accessible to other companies and myself. Why establish criterias for consumers that will not be honored when they satisfy them. 
This action seems inconsistent with at minimum the mission statement of CFPB. I am not sure if this duplication of efforts is negligence or harassment on the part of TRANSUNION. 
During the period I filed these complaints I was a student ( junior year ) and worked and was unable to respond or communicate with anyone during normal business hours. During this international Health crisis I am working the majority of time and completing my education on line and am unavailable when your staff or you would be accessible. Therefore I request that you either communicate via e mail ( this address ) or contact my custodial father XXXX XXXX ( XXXX ). 
I would like to have these matter corrected before I enter my senior year ( XX/XX/XXXX ) so I can apply for financial aid.

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 2023-07-10
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: Public record information inaccurate

Complaint:
I reviewed my Consumer Reports and noticed that I had a bankruptcy on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account US BANKRUPTCY XXXX Please investigate and provide Proof OF BANKRUPTCY. If proof can't be provided I demand this bankruptcy be removed.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2022-04-15
Company: NAVY FEDERAL CREDIT UNION
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, the companies listed 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: TN
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 non-monetary relief
Consumer complaint received 2021-08-19
Company: Experian Information Solutions Inc.
State: NV
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:
I have sent over 10 legal documents to your company and you have over and over responded with nothing except we need more information. XXXX has reached out to you and I have sent your company a legal document form XXXX stating for you to correct this fraud matter. Your company is stating that I have negative credit on my XXXX account. All other credit reporting agencies show me with XXXX credit and never had any negative accounts. I have attached XXXX legal document for Experian to stop reporting negative items on my XXXX account. You have been served with supporting documents and have them. 
I have spoken to your legal team many times. This is total fraud by Experian reporting this on my credit account form 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 2023-03-10
Company: Caliber Home Loans, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My insurance lapsed for one month. I received one notice to provide proof of insurance. I purchased new homeowners insurance and provided the declaration page. They applied a negative {$160.00} balance to my escrow account and are making me pay for a month of forced insurance. I was not provided two notices before the forced insurance was purchased. I should not be required to pay for the forced insurance because I purchased a new policy ( XX/XX/2022 ) and provided the declaration page before the forced insurance was purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have completed my do not market with the XXXX XXXX XXXX. I have also filed my information with the opt-out pre-screen asking for American Express to discontinue all marketing to my addresses. I have made this request directly to American Express and it has been ignored. I have filed several requests using opt-out pre-screen and have asked CFPB to have American Express stop all marketing. mr requests are repeatedly ignored and i am being treated as less than.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
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:
ftc violations attached

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 2020-04-04
Company: EQUIFAX, INC.
State: PA
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 is reporting XXXX late payments on my credit report. I was never late. When I contacted XXXX XXXX I was told that it was a mistake with their company. The only way to fix it was to submit a dispute with all 3 credit bureaus. Each time I submitted a dispute with all 3 bureaus, it comes back as verified as correct information. However, when I spoke with XXXX XXXX, the company stopped reporting my payments late, however, they have not removed the late payments after I sent the dispute to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account ending XXXX was closed. I told the bank someone was accessing and taking money out of my account. A dispute was open and so forth. I got my money back.Wells Fargo said they were going to closed my account and to withdraw my money. So I wired my money to XXXX  XXXX XXXX. Comes to find out Wells Fargo reported a transaction as wire fraud from a Wells Fargo saving account on XX/XX/XXXX. I never opened a saving account at Wells Fargo. Due to this information. XXXX  XXXX XXXX blocked and closed my account due to the information Wells Fargo had provided. XXXX  XXXX XXXX said I had to contact the issuing bank Wells Fargo for a wire recall in order to get my money back while they hold it. Wells Fargo said that cant do anything because the account is closed. I called and called but no one can help. Everyone is so oblivious one time I was transfer over 15 times and took over an hour. No one can find a solution, now when I call it says your call cant be completed at this time and hangs up. Its like my phone number was blacklisted. I have {$6500.00} that XXXX cant access because Wells Fargo doesnt want to contact XXXX  XXXX XXXX and tell them that the funds are legit and no error has occurred.

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 2022-04-15
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: Reporting company used your report improperly

Complaint:
( 1 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX, has violated my rights. 

( 2 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX # XXXX, has violated my rights ( XXXX ) XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights ( 4 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights ( 5 ) n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have a 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 2023-04-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I sent the dealership ( XXXX XXXXXXXX XXXX XXXXXXXX South Carolina ) my notice of rescission where my car was leased about the fraudulent transactions that were committed. I participated in a consumer credit transaction and not a loan pursuant to 16 CFR 433. I sent out the paperwork via CERTIFIED MAIL in XXXX of XXXX and gave them 20 days to respond of course no response. I also sent out another notice in XXXX of XXXX which is well over 20 days, still no response. I will be going to court and filing a default judgment soon if I dont receive a response soon! I have been very patient even though my car was repossessed in XXXX of XXXX and I didnt even receive a notice of cure. They also violated 12 CFR 1026.4 which says that a finance charge does not include charges of a type payable in a comparable cash transaction! You can be fined up to XXXX for giving false inaccurate, and fails to provide information which he is required to discord and in this case XXXX XXXX XXXX XXXX sc willfully did when you failed to disclose and provide all information clearly to me a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am having trouble with TransUnion to explain why my credit score is XXXX. But with XXXX  I have a score of XXXX and XXXX  also has a score above XXXX. I have tried disputing errors with all three credit reporting entities but TransUnion has only became worse. This is before the COVID-19 outbreak and now is I can not even dispute the current score because the company contact information is not answering phone calls and their website is not taking chat by home personnel. I could a difference of 25 points but this is a difference of 134 points. Any help or information that could lead to a point of contact would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I hope this letter finds you well. I am writing to formally file a complaint regarding an issue I have been facing with XXXX XXXX XXXX XXXX, a business with which I have a registered account. I have attached supporting documentation, including screenshots, to provide a clear overview of the situation. 

Wise deactivated my business account without prior notice or a valid explanation, and as a result, I am unable to access the funds currently held in the account. Despite several attempts to resolve this matter directly with the company, I have encountered significant challenges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I made complaint of inaccurate address reporting on Experian. I disputed the wrong address and got response today stating it's the right address how XXXX XXXX can this be my address when in fact it doesn't match my address on my ID. I have made multiple complaints of unauthorized inquires into my credit report and yet I dispute about two address incorrect but yet I don't get anything removed this XXXX XXXX Remove the following Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is a fraudulent address I have made to many complaints that I have never lived at this address and yet their refusing to remove this fraudulent address, I have already submitted my Drivers license and Experian still refuse to remove this address.

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 2019-01-24
Company: LEXISNEXIS
State: NE
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:
I recently got insurance from XXXX XXXX in XXXX, NE. While discussing my policy with my agent lately she mentioned my low score on the CBR report they received from LexisNexis. She gave me a copy of it and if was terribly in-accurate and misleading. Nearly every credit area they reported on was years outdated or just false. I contacted LexisNexis and they said they get their data from XXXX  and I should contact them about any issues.I got my full credit history from XXXX today and it has ACCURATE information ... ... yet LexisNexis is reporting something different. 

As you know, companies across the nation buy CBR reports to gather information on current or potential customers from LexisNexis ( and others ). How many years have they been reporting false/misleading info on me? What have these reports cost me and other consumers over the decades? My insurance company bases their premiums at least in part on this report ... ..and/or whether they want to do business with me. 

I am attaching the CBR report I received and my comments with enlarged print ... .also, if possible I will attach two XXXX  docs that show my student loans were paid off in XXXX and XXXX ... .and not deferred as LexisNexis reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Navient Solutions, LLC.
State: NV
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation