BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 XXXXXX/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 2022-10-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C 1681 1s-2 ( A ) ( 1 ) A person shall not furnish 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.

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 2023-08-21
Company: Uplift, 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Today, XX/XX/XXXX, I spoke with Wells Fargos employee XXXX XXXX who insisted on the phone that she sent me the XXXX FHA Loan Modification Denial Letter. Not true. I asked Wells Fargo employee XXXX XXXX to resend said letter to my email on file. I am still waiting, I wish not to have anymore phone communication with Wells Fargos employees as she/they can not be trusted with the truth as it relates to Wells Fargo stealing my former asset : XXXX XXXX XXXX XXXX XXXX NY XXXX . In my XX/XX/XXXX complaint regarding providing FHA loan modification denial letter, Wells Fargo employee XXXX XXXX failed to provide said letter. I am in contact with FHA/HUD.

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 2022-11-23
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2022-03-29
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My name is XXXX XXXX my student loan debt goes back from 1996. It was {$20000.00} or less. Over years job struggle and career changes and economy up and down. The issue i been having is the repayment monthly payment are way too high and the interesting rate is way too high. The last time i applied was for debt reduction for government employee. It was denied. Now the Navient Company is ask me to consolidate my account to apply for the lower payment. This debt should be wipe out or all interest rates should be wipe out. I have {$2700.00} mortgage and kid headed to college and car notes and inflation with gas prices. Our president Biden wipe out certain student loans i ask for debt removal and never received any answer. Im XXXX yr old and carry this debt has been a ball chain. What I'm asking for is amnesty or debt forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX sent notice to XXXX and XXXX  of insurance that I was rubutting them adding on by XXXX XXXX XXXX to my policy with a lie about me telling them he drove the vehicle XXXX week. With this my premium skyrocketed so I cancelled them. 
XX/XX/2021 - response from XXXX XXXX XXXX indicating that XXXX  would elimate him off policy and decrease it by " {$XXXX} '' ( round about amount ). 
XX/XX/ - sent collection notice from Caine-Weiner and emailed them same day asking for clarification of the debt ( see appendix A ) XX/XX/2021 - received response from someone else at Caine-Weiner saying I owed the debt. I had to nofify them they were coming after me for the wrong amount and it had been admended. They asked me for the proof! I sent along and still asked for a revised bill because I was unsure of the total credit XXXX   gave me for the complaint. Still nothing ( Appendix B ) XX/XX/ - Caine- Weiner sent an email stating they updated my file and attached a new statement on debt. This was just on letterhead stating I owed them {$XXXX}. But again, they could not give me validity of the debt or how they came to this amount. After several inquiries on the debt, they could not produce anything to show the amount they were billing me was correct or how they came to that number. Also, they started sending me debt collection emails way before even XXXX  days of XXXX updating the file even though on my credit report it is still showing the debt as being over {$XXXX} still when it never should have been since XXXX   credited me approx {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX ACCT # XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection angecy. I will await your reply with the above requested proof Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after All accounts in dispute listed below.

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 2023-01-30
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This original debt was from XXXX.With Exeter finance . It is now reporting as debt with XXXX XXXX as a debt that is from XXXX  this false and all is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 been a victim of identity theft and I need to get any inaccurate or false information removed from my report. I have disputed the attached accounts with the company and with the credit bureaus. I haven't gotten any action! I have included proof that there was not investigation complete and also I included proof of the inaccurate information on my report. I need this information removed immediately. It is illegal to report inaccurate information especially when my identity was stolen. I have a right to accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 wrote to you on XX/XX/2021 requesting an investigation and removal for the accounts listed and per my USPS certified receipt, it was delivered at your address on XX/XX/2021. The reason for the investigation was to advise you of accounts that are showing Inaccurate, Unverifiable and Incomplete on my credit report you are reporting.

As of now, I have not received a reply from you or any acknowledgment that an investigation has begun. Pursuant to the Fair Credit Reporting Act 623 ( a ) ( 6 ) ( B ), you may not furnish information to my credit report regarding a fraudulent account or debt.

I am requesting for you to delete these accounts immediately from my credit file. Supporting documentation will be attached for you review.

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 2020-12-30
Company: EQUIFAX, 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:
This is my second time notifying the credit bureaus of my issue with identity theft. The accounts included in this dispute were not opened by me and need to be deleted from my credit reports immediately. 

I don't understand how they are still reporting these accounts after I have notified them of the issue. 

I am also a victim of the Equifax data breach so my information could be in several other peoples hand. 

Please delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received 2 noticies on a debt owed to XXXX XXXX from Convergent Outsourcing, INC. in the amount of {$4300.00}. I have not responded to them because I do not owe this company any money, I feel it is a scam and i feel if I answer they will continue to send written data to my home. The latest letter has stated payment amounts to be made and sent to XXXX XXXX. Can you please tell me what to do next other than ignoring there 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 2022-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I personally Called ( Bank Of America ) on XXXX XXXX to inform them that i noticed a transaction was done on my account that i had no knowledge of. I informed them of Account Withdrawal of {$15000.00} that was done from teller. Upon bringing this to their attention. I had to recieve new account information as well as have a new card sent out. Also my Current account went into the negative over {$1000.00}. Also Which i brought to their attention as well. I was connected to the Fraud Department all access to my account was frozen for my protection. I Have Recently under the rights of the Consumer process that within If the bank or credit union cant complete its investigation within ten ( or 20 ) business days as applicable, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of {$50.00}, while it continues to investigate.

In certain circumstances, however, it does not have to issue a temporary credit. For example, the bank or credit union may require you to provide written confirmation of the error if you initially provided the information by telephone. If you are asked to follow up in writing and you do not do so within ten business days, the bank or credit union is not required to temporarily credit your account during the course of its investigation.

The bank or credit union must then resolve the issue in 45 days, unless the disputed transactions were conducted in a foreign country, were conducted within 30 days of account opening, or were debit card point-of-sale purchases. In those cases, you may have to wait as long as 90 days for the issue to be fully resolved.

If the bank or credit union determines that the transactions were in fact authorized, it must provide you with written notice before taking the money that was credited to you during the investigation out of your account. None of the following process has been followed as well as the process being reflected on my account or while this is being open.

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 2023-03-27
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I recently checked my credit report and realized that these accounts are fraudulent. These accounts negatively affecting my account and hindering me from purchasing a home. I want these accounts removed 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 explanation
Consumer complaint received 2020-02-14
Company: Municipal Collections Services, Inc.
State: IL
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:
The city of XXXX XXXX XXXX XXXX stolen my private automobile without any contract or my consent or any injured party on the XXXX  of XXXX two thousand and eighteen the company also the given municipal collection services inc. and the municipal collections services Inc and MUNICIPAL COLLECTION SERVICES INC. companies my personal data and information without my written or express consent furthermore I don't owe any debt in the amount of XXXX furthermore the City of XXXX XXXX XXXX XXXX and municipal collection services Inc failed to show there is a contract, failed to provide a injured, party and misappropriated and misfalsified documents of XXXX XXXX information and personal data. XXXX XXXX responded and given municipal collection services Inc seven days to respond and resolve this matter on the XXXX XXXX of XXXX two thousand and eighteen. Municipal collection services Inc is also responsible for given their parties my personal data and information without my written or express consent XXXX XXXX personal data and signature worth is XXXX XXXX dollars. XXXX XXXX is seeking claims for the harms and damages of the fault of the city of XXXX XXXX XXXX XXXX and municipal collections services Inc and MUNICIPAL COLLECTION SERVICES INC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian keeps violating the laws! I show them on multiple occasions and plenty different ways 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. I have uploaded documents as to how Experian has not been following the Metro 2 compliance which are the laws they set in place to govern their business and how they are violating the FCRA which is actual Federal Law! According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission to furnish anything on my consumer report. 
Experian stated in their recent response that they performed an investigation and the debt collectors has verified the accounts on my behalf. Experian has not explained how they performed the investigation, what information did the debt collectors give Experian to verify the accounts, who did " Experian '' talk to from each debt collector, how did Experian verify that the information from the debt collector was correct and not false, how did Experian make sure the debt collectors records were accurate as well? 

15 USC 1681 ( a ) ( 4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Experian has not being doing this at all. Instead, they send stall letters saying they can not proceed with my investigation because I'm not a real person to not adhere to the law of removing fraudulent accounts in 3 days ; then they extend my FRAUD ALERT, only to say that the FRAUDULENT accounts are mine!

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 2022-10-09
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2022, I request that my information be checked because of some suspicious activities. I reported this information to Synchrony Bank for my Lowes XXXX card, Discount tire and Rooms to go. Someone has committed fraud on my account. Using the consumers to create and purchase item under my name.

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