BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
TransUnion for the second time allowed my apartment complex to open up a New account under my frozen account. First occurrence, I disputed and has been fixed and now for the second time on XX/XX/2018. 
Apartment Rental agreement is with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I did not authorize them or any other company for that matter to open up a new account. This company is a residential, apartment rental company. I did not authorize any one to open up a new account. It's ridiculous to allow a residential company to open up a new account, as if they are a credit card company of some sort. I'll take a legal action against TransUnion and XXXX XXXX if this problem is not permanently fixed. New accounts impact credit score. I don't want my credit report to be ruined for something ridiculous as renting an apartment. I will utilize full force of our justice system to fight back. I will not allow this to stay in my credit report for 7 years. I look forward to your assistance in this matter. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XX/XX/2021 reporting of adverse credit information without the opportunity to opt out is a violation of 15 usc 6809 prohibits, a financial institution from reporting non-public personal information to a non-affiliate third-party, unless the financial institution has given the consumer, an opt out and privacy notice. section 5 ( a ) of the FTC ACT 15USC 45 ( a ) prohibits, unfair, or deceptive acts or practices in or affect in commerce safeguard rule section 501 ( b ) of the Glb act 15USC 6801 ( b ) requires financial institutions to protect the security, confidentiality, integrity, privacy of customer, non-public personal information from foreseeable, internal and external risk.

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 2023-01-04
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:
Several years ago, a property management company for XXXX XXXX XXXX sued me for eviction and a balance of about {$800.00}. The court ORDERED the eviction but denied any payments, specifically citing in the order that the amount owed was {$0.00}. Said management company, unhappy with that decision, FRAUDULENTLY conjured up a balance of about {$1400.00}, and ILLEGALLY sold it to a collection company called XXXX XXXX XXXX. That debt first came to my attention in XXXX, when it was reported on XXXX, and I submitted a dispute along with the court order directly to XXXX. After their investigation, XXXX ACCEPTED my dispute and DELETED the information from my credit file with their bureau. Now, the information is being reported again on Experian. I disputed it again, with all of the aforementioned, and even sent them the results of the XXXX investigation on the information. Experian just concluded its investigation and reported back to me that the information has been verified by the reporting company as accurate, and therefore it will not be removed from my file. Well of course their fraudulent and illegal information that was bought and paid for is reported as accurate, but it sure as XXXX doesnt supersede any court orders. Experian is proving me with no additional avenues or options to get this injustice resolved. I am filling this complaint to have them and EVERY CREDIT BUREAU PERMANENTLY DELETE this information as its negatively impacted my life, affecting my access to capital and increasing my burden of doing business.

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 2019-01-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wire transfer sent on XX/XX/XXXX to Rushmore loan management in the amount of {$81000.00} .Rushmore says they did not get it. Even if its confirmed. They are holding over {$6000.00} of my money, between escrow and over payment. 
On XX/XX/XXXX received phone call from Rushmore saying I would pay late charges and could be put in foreclosed. Gave agent all information on wire no they did not get it. Called Rushmore today XX/XX/XXXX same run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
A collection account from a company called XXXX and XXXX has been reporting to my credit report for almost 2 years now. I filed a dispute with Transunion and requested this information be deleted as it does not belong to me. The original creditor is listed as XXXX XXXX during a time period that I did not own a vehicle. 

I filed a dispute with Transunion on XX/XX/2023 for this to be deleted in addition to a credit card and loan from XXXX XXXX that have been re-aged and are remaining on my credit report longer than 7 years. In addition to the re-aging, these accounts that were charged off over 6 years ago, are reporting as 90 days past due currently every single month and this is affecting my score. All XXXX have come back as verified. The company XXXX and XXXX mailed a letter to my new address listing XXXX vehicles that my bureau of motor vehicle reports can confirm I've never owned or had registered to me. This is not verification that I owe a debt for insurance. I have had the same insurance company ( XXXX ) for the last 4 years with no lapses in coverage. 

I am purchasing a home and this fraudulent collection account is affecting my scores immensely. I have an ID theft affidavit and fraud alert already present on my credit profile and I need this account to be deleted unless the company in question can furnish a memo title or registration document confirming I owned the vehicle they claim they insured.

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 2021-08-14
Company: Experian Information Solutions Inc.
State: VA
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:
This account has been written off and I am being garnished toll this trying time we have here with covid. XXXX, XXXX, XXXX, and XXXX have been garnishing my pay and I have never done business with this law office. Not only i can not afford a garnish, how is this legal to take frome? Continuously ripping me off!!!

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 2022-12-07
Company: EQUIFAX, INC.
State: NY
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 I changed the date of payment with their authorization and they reported I was late. 
In XXXX during the pandemic, they offered me the COVID Relief program and stated that I don't need to worry about payment during this period. They also stated, they will report to the Credit bureau during this time. After the period I made the payment and after a few months paid my loan was completed and paid in full. 
A few months after I paid my loan in full, they reported to the credit bureau that I was late during the pandemic. 
I tried multiples time to talk to them. Also, I disputed this issue with the credit bureaus several times, but still the same result. They still reporting I was late. 
XXXX XXXX - account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: IL
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 am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2021-10-01
Company: PENTAGON FEDERAL CREDIT UNION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a conventional 15-year fixed-rate mortgage with PenFed on XX/XX/2021. The initial application and lock process was great, and we waited for underwriting. 

On XX/XX/2021 we were asked if we had an attorney for closing. We did not and advised PenFed as such. Based on prior experiences as well as the loan estimate, we anticipated closing with a notary public for the quoted cost in the loan estimate. On XX/XX/2021 PenFed advised that Connecticut is an " attorney state '' and the services of an attorney would be required. We also learned that there was no estimated cost for this service in our loan estimate. 

We contacted an attorney who quoted a cost for closing services of {$750.00}. PenFed made no attempt to estimate this cost in the loan estimate. This, despite knowing an attorney would be required for our closing. Absent any other explanation, it would appear a mandatory cost of closing was purposefully excluded from the loan estimate to make PenFed appear more competitive. We had chosen to lock and proceed with PenFed based on this loan estimate as it appeared to be the lowest cost when compared with other lenders. 

On XX/XX/2021 we requested a revised loan estimate to include the mandatory cost of an attorney-provided closing, a lender credit from PenFed to cover the cost of attorney services, as well as credit for the {$75.00} in fees PenFed incurred with our current lender by requesting three separate expedited pay off quotes. Our current lender advised that the request for expedited pay off quotes is rare, and despite multiple requests, PenFed has not explained why they needed to do this three separate times. PenFed declined to provide a revised loan estimate, nor did it agree to any lender credits.

We understand that PenFed may be legally obligated to cover the omitted costs under TRID rules. However, rather than pursuing that with a lender whom we had lost trust, and after learning that PenFed were not in fact the lowest cost lender, we decided to pursue a loan with a different lender. 

We are left with {$75.00} in fees which we did not authorize, the soft cost of inquiries to our credit ( PenFed took so long in underwriting that we had to take another credit hit with the new lender ), and weeks of wasted time. 

We had hoped that upon advising PenFed of their error, PenFed would do the correct thing. They did not. Future applicants should be aware that PenFed does not provide a good faith estimate of closing costs, will request multiple expedited pay off requests without explanation and is not interested in hearing about issues.

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 2023-06-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023 XXXX unauthorized transactions were made from my Wells Fargo Checking Account using XXXX. The 7 transactions were sent to 5 different people, whom I do NOT know. I typically receive an alert from the bank when any XXXX transaction is made ( either to send or receive money ). I have proof of other similar email notifications, but for these particular 7 transactions I never received any notification. The only way I knew money was stolen from my account, was on Friday, XX/XX/XXXX I received a weekly email that I requested from Wells Fargo to make me aware of my ending balance. When I received my email that week, I noticed the balance was approximately short by {$5000.00}. I then logged onto my bank 's website and saw the 7 transactions to 5 people I do not know, totally {$4900.00}. I reported this to Wells Fargo 's Fraud Dept immediately on XX/XX/2023. They closed the account, set me up with a new one and told me they would investigate this theft. On XX/XX/XXXX I was notified that my case was closed and they are not refunding my money. I am awaiting documentation from the Fraud Dept as to what information they used to make this determination. In the interim, I have filed a report with my local police dept., the IC3 ( FBI Internet Crime Complaint Center ), and the FTC. After being a Premier Wells Fargo customer for almost 30 years it is extremely frustrating to be dismissed so quickly with no resolution. After doing some of my own research, I understand that XXXX fraud is exploding across the top 7 banks that own it ( Wells Fargo being one of those banks ), and they are not protecting their customers, they are not returning the customer 's money in most of the cases reported and they are dismissing most all of the cases with no satisfactory resolution for their customers. I am disgusted with their response and am looking for some assistance in correcting this situation and getting my {$4900.00}. returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to pay additional principal payments and they are not Applying them Correctly and they are missing payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CAINE & WEINER COMPANY, INC.
State: TN
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This collection was a corporate account and mistakenly reported on my profile. XXXX and XXXX had their record-keeping been accurate, and NO complete payment history was provided. The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
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: Investigation took more than 30 days

Complaint:
Accurately I am ask the credit bureaus to report and correct the problem however they have not been able to number one send me a fresh reported the method of verification on how they investigated the accounts these accounts are reporting accuratelyBasicallyThe date of last activity in the amounts don't match my records need these accounts investigated or deleted from my credit report I am asking that you XXXXAs proof that these accounts were not investigated properly thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation