BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to my recent credit report request from Transunion, XXXX, and XXXX and there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED UNVERIFIED PLEASE REMOVE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CA XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX LOANMART Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX  Account # XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, MN XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX & XXXX Account # XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX & XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE REMOVE ALL FRADULENT INQUIRES : BENEFICIAL DATED XX/XX/XXXX XXXX  XXXX : DATED XX/XX/XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ALL WERE CREATED BASED ON FRAUD AND POLICE REPORTS WERE SUBBMITTED.

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 2023-11-17
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I learned from a TD Bank teller ( at a different branch that I normally use ) in XXXX of this year that the Preferred Savings Account that my money had been in since 2019 doesn't exist anymore and that it's now a Signature Savings Account and the interest rate is 2.47 %. I had been getting 0.01 % with the Preferred Savings. I should have been automatically switched over to the Signature Savings, or at the vey least, informed of the change when it happened. I was not aware of the change and therefore not able to receive the increased interest rate.

I believe TD Bank owes me the back interest from the time TD Bank discontinued the Preferred to the date I was switched to Signature.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am in the process of purchasing a home and in doing so I had to pull my credit reports and found there is an inaccurate item and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : ACCOUNT # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 30 days past due twice according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.

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 2023-05-25
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX 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 2023-01-31
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX, XXXXXXXX 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 2023-11-18
Company: Chime Financial Inc
State: OR
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:
At approximately XXXX Pacific Time , someone managed to hack into my account and move money from my savings to my checking account and then proceeded to spend {$1500.00} at a XXXX XXXX on Wednesday XXXX, XXXX. I woke up XXXX hours later to XXXX automated text messages from my bank as someone changed the phone number linked to the account and other information. I contacted Chime immediately. The charge was still pending- they updated my account information and noted that they could not do anything unless the charge went through. 
On Friday, XX/XX/XXXX, the charge went through. I contacted chime immediately to dispute the charge. 
It's important to note that I live in Oregon. I made charges only in Oregon. This charge came from New York. I noted this on my call with them. 
I woke up on Saturday the XXXX to an email saying they decided there was no fraud. Which is... insane. At no point have I have been to XXXX in New York. I live in Oregon. They barely got information from me. Why wouldn't they look at the phone number that someone changed in my account? Why wouldn't they look at the address the items were shipped to? I don't even understand how they " solved '' this so quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: FL
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:
In XXXX of XXXX my Husband and I filed for XXXX XXXX bankruptcy. We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay, Notice only '' payments to be made by the debtor ( s ). On XX/XX/XXXX our bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on- time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '', to the credit Credit Bureaus XXXX As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all 3 credit bureaus to dispute this. XXXX continues to keep our loan in their " Loss Mitigation Dept. ", the department manager XXXX XXXX, says they have done everything they cant do, and blames the credit bureaus, the credit bureaus say they only report what the receive. We check our credit regularly and pay monthly for XXXX credit monitoring, to date nothing has changed.

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 2023-11-17
Company: Paramount GR Holdings, LLC
State: CA
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: Problem with personal statement of dispute

Complaint:
I am writing to bring to your attention the unfortunate situation I have experienced with the solar installation project financed XXXX. My name is XXXX XXXX, and I am an individual who fell victim to a solar scam in XX/XX/2023. 
The incident involved XXXX companies, namely the door-to-door seller, who falsely claimed to be affiliated with DWP, the solar XXXX ( XXXX XXXX XXXX ), and the loan company ( XXXX ). After signing the documents with the salesperson, the solar XXXX installed panels on my roof. However, I later discovered that the XXXX had gone out of business, and the panels were not permitted nor functional, as the necessary permits had never been applied for. 
The salesperson, who turned out to be the main perpetrator of the scam, had no actual office location, making it impossible for me to locate them. I promptly contacted XXXX, requesting the removal of the non-functional panels from my property and the cancellation of my loan. Unfortunately, there was no response, leading me to close my bank account shared with XXXX and lock my credit. 
Despite my attempts to complain to various entities, including the Department XXXX XXXX XXXX and XXXX ( XXXX ), it took more than XXXX months for XXXX to respond. When they finally did, they suggested another XXXX to complete the installation, but this XXXX was unreachable and unresponsive. 
During this period, I refrained from making payments to XXXX due to the lack of cooperation and trust. After another complaint to XXXX, I requested permission to bring in my XXXX, as the one suggested by XXXX was non-responsive even after months. Only after XXXX started cooperating did I resume payments. However, despite explaining the circumstances multiple times, a one-time late payment was reported on my credit, significantly impacting my credit history. 
I acknowledge my commitment to making regular payments since XXXX began cooperating, and I currently do not owe any outstanding payments. However, the negative impact on my credit history caused by the one late payment report remains a significant concern. 
I kindly request that you investigate this matter promptly and request XXXX to remove the negative impact on my credit history. I believe that considering the circumstances and the XXXX months it took to finalize the solar panel installation, it is only fair to rectify this issue. 
Thank you for your attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in a process of divorce and was awarded the house but unfortunately, it was put on forbearance and now I'm facing foreclosure. I am not on the loan account but on the deed of the property. I started working with Wells Fargo back in XXXX of 2022 to do a loan modification or loan assumption and have been sending them every single piece of paperwork they required from me. Been in contact with them a couple of days a week and they made it sound like they are doing their job. Unfortunately, after months of sending paperwork after paperwork, on XX/XX/2022 they said they will not be able to help me and now I am facing foreclosure. 

During the time I was working with them, I applied to XXXX  Mortgage Assistance in XXXX and a representative from WF confirmed that at that time, the reinstatement amount was below $ XXXX but when XXXX  Mortgage Assistance asked WF to send the reinstatement amount, they sent {$79.00}, XXXX that automatically denied my application. I went to the office of TMA and called XXXX  regarding the amount and WF denied they submitted such an amount. I requested numerous times for WF to send me the itemized amount of what's owed and they never did. I have tried to do everything WF asked of me to save my house and now I am still facing foreclosure. I have found out that they have faced multiple lawsuits regarding their mortgage department and now I understand why. They put me in a loop every time I talk to them and nothing seems to get resolved. They make it sound like they're helping but every time I spoke with someone they have a different answer. I even asked for a higher-up and never got anywhere either.

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 2023-01-31
Company: Southern Management Systems Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My former landlord XXXX charged me XXXX dollars for damages not belong to my room and garbage left in hallway not by me. I disputed with XXXX  by email twice and was ignored. XXXX send this debt to Southern Management System. I received phone call from Southern Management System and asked for proof of debt from them numerous times and never received. I write a certified dispute letter to Southern Management System and they refuse to pick it up. They finally did not respond my phone and voicemail. I also disputed this alleged debt with 3 credit bureau. They claim this debt is correct to XXXX while not responding to me. XXXX removed this collection account. 

Southern Management System : XXXX : XXXX XXXX  : XXXX XXXX XXXX Timeline : XX/XX/XXXX, statement received, First attempt to dispute with XXXX  XX/XX/XXXX, First attempt to dispute with XXXX  is ignored. 

XX/XX/XXXX Initial communication from Southern Management System, request written notice for dispute. 

XX/XX/XXXX, XX/XX/XXXX Not receiving written notice, Phone contact with Southern Management System requesting written notice. 

XX/XX/XXXX, Not receiving written notice, written mail sent to Southern Management System disputing and requesting written notice ( tracking number:XXXX ), ignored. 

XX/XX/XXXX, and numerous time. 
Not receiving written notice, Phone contact with Southern Management System requesting written notice, not answering, leave a voicemail. 



XX/XX/XXXX dispute with XXXX, XXXX and XXXX. 

XXXX XXXX, Second attempt to dispute with XXXX through email is ignored. 

XX/XX/XXXX Dispute Complete, Collection account deleted by XXXX XX/XX/XXXX Dispute Complete, Collection account maintained by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-02-22
Company: Resurgent Capital Services L.P.
State: NJ
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:
Two debt buyers are reporting debts they bought. I never had credit with this company, and they do not reflect any positive history I had with the original creditors! The history, the good payments, gone, and right to charge off, reflecting that I never paid anything! This is FALSE AND MISLEADING! Its unjust! They placed this on my credit for one reason only, to get me to pay. I have no credit with either of them and want them removed immediately. The credit report was not designed to be used as a weapon, but that's exactly what these debt buyers are using it for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In XX/XX/2022 my daughter got a letter stating her lease payment wasn't made. Once she learned of this she immediately paid it. She ended up paying XXXX months at once which is provided here too and the amount was {$920.00}. This is not my account and I disputed it with the credit agencies but they won't help. XXXX doesn't send any communication to me so I had no idea. She had issues with her bank account and they put it on her credit and mine. In the attachments I provided, you can see that she got the automated message saying thank you for your payment but never got any correspondence after that so she didn't know their was an issue. I don't think it's right to XXXX XXXX people for XXXX mistake. I've never made a late payment and this should not be reflected on my credit. I'm asking for help in removing this.

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