BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: Southwest Credit Systems, L.P.
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:
To whom it may concern, the following is illegally and invalidated, is reporting to the credit agency ( s ) **XXXX XXXX**, and XXXX is reporting an illegally invalidated account with the entity ( ies ) Southwest Credit XXXX opened on ( XX/XX/XXXX in the amount of {$640.00} ). 

" XXXX ( XXXX ) ( account opened on XXXX XXXX, XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XXXX XXXX, XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ) " XXXX XXXX ( account opened on XX/XX/XXXX in the amount of $ XXXX ) The following inquiry ( S ) are also unauthorized ***XXXX XXXX ****XXXX XXXX XXXX  XXXX ***XXXX XXXX  XXXX XXXX XXXX the following personal information is incorrect : XXXX XXXX XXXX XXXX XXXX md, XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX md XXXX I have not provided any permission for anyone/person, natural or not , to furnish my federally protected consumer information, and therefore, you are in violation of reporting an unverified, and invalidated alleged debt. According to 15 USC 1692g only a natural person can verify a debt, and central collections unit, can not legally provide a natural validation for this account. 15 USC1692e ( 1 ), stating I owe an amount for this alleged debt. This is harassment, and all are in violation of 15 USC 1692j ( a ) and can be liable for 15 USC 1692 k, k ( a ) for violation of these laws, per 15 USC 1692j ( b ). 


Cease and desist letters sent to each entity!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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. 1681s-2 ( A ) ( 1 ) 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.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2022-12-30
Company: Dovenmuehle Mortgage, Inc.
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
applied for financial relief in XX/XX/2022 & after sending paperwork requested multiple times was told paperwork was missing & application was denied the process to submit request is very difficult & they make it impossible to get approval this violate federal law process should not be this hard only to get denied after sending in more & more paper work they also want you to constantly send in updated bank statements multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts listed that are not mine. Please remove them.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 non-monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Problem with personal statement of dispute

Complaint:
Good morning. I'm having issues raising my credit score. I have no debt and one credit card. For some reason ALL credit reporting agencies have different credit scores for me. That is really terrible. How do we know as a consumer what score is accurate. THIS Credit reporting " algorithms '' are no good. My scores go up a few points then drop a lot!! Unbelievable how these things work. This is a huge scheme just to get more money out of people who have low scores. Trans union you have to PAY to get your score. All of this are barriers to keep your score LOW. It's amazing these creditators report missed payments right away but when you have good payments it takes months for it to reflect on the score. This is all a means to make people FAIL. I can't believe this doesn't happen to other people.

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 2021-03-02
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/XXXX I wrote and sent via certified mail a formal dispute letter to the following credit bueraus : Equifax, XX/XX/XXXX and XX/XX/XXXX in regards to incorrect personal information and incorrect accounts being reported on my credit report which is having a damaging effect on my credit score and overall credit profile. Within this letter, I specifically stated for each of the credit bureaus to provide in detail the full scope of their investigation, including the names of the representatives from each creditor that they " verified '' the inaccurate accounts with, the date of this correspondance, and any legal documentation bearing my signature that I have with the " alleged '' creditor. I've also sent via certified mail an inquiry letter to each credit bureau demanding why my credit scores had such a huge drop within only 60 days. My Equifax score dropped 65 points, XX/XX/XXXX dropped 97 points, and XX/XX/XXXX dropped 78 points since XX/XX/XXXX. There is nothing on my credit reports stating or showing where this significant drop came from. None of the three credit bureaus responded to any of my letters inquiring about this. I could not get through to any of the bureaus on the phone, nor have I received any email correspondance. I am looking to purchase a home within the next 6-8 months and my credit scores were in the high XXXXXX/XX/XXXX, low XXXX XX/XX/XXXX before these drastic score drops which occured from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
As of XX/XX/2023, there has been a hard inquiry pulled in my name for XXXX  XXXX XXXX XXXX that has no authorization by 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 2020-04-06
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My husband put something on line for sale and the guy he spoke to, said he wanted it and to take it down. He sold it for XXXX. A few days later we received a cashier check in the amount of XXXX. I deposited into my account and the next day we sent money to his driver. Who was to be picking up the item along with other items along the way. We sent it XXXX to XXXX and we took pictures of the receipts and sent it to him. I just happened to check my account and it was in negative for XXXX. So I went straight to the bank and spoke to someone and the person gave me a fraud case # XXXX. I did everything they told me to do, because they do their own investigation. I also did a police report case # XXXX. I did a police report in XXXX NC, because that's where the person live and they know the XXXX he picked up the money from. At the bank I was told that if the investigation shows fraudulents to my account I would get my money back in my account. When they finished the investigation, they said it was fraudulents against my account and they will keep my account open Because they have insurance for fraudulent on a customers account, so the bank doesn't loose money. But that was not the case, they took my money and turned around and took my whole XXXX check for XXXX. I spoke with the supervisor and she was very rude. She told me I was responsible for the negative amount in my account. I am victim in all of this. Before all this happened I had XXXX and my XXXX check XXXX I was with out money for 2 months, this has been very stressful for me. This is my second time putting in a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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. 1681s-2 ( A ) ( 1 ) 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.

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 2022-05-04
Company: EQUIFAX, 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 Reporting act XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/XXXX I wrote and sent via certified mail a formal dispute letter to the following credit bueraus : XX/XX/XXXX and Transunion in regards to incorrect personal information and incorrect accounts being reported on my credit report which is having a damaging effect on my credit score and overall credit profile. Within this letter, I specifically stated for each of the credit bureaus to provide in detail the full scope of their investigation, including the names of the representatives from each creditor that they " verified '' the inaccurate accounts with, the date of this correspondance, and any legal documentation bearing my signature that I have with the " alleged '' creditor. I've also sent via certified mail an inquiry letter to each credit bureau demanding why my credit scores had such a huge drop within only 60 days. My XX/XX/XXXX score dropped 65 points, XX/XX/XXXX dropped 97 points, and Transunion dropped 78 points since XX/XX/XXXX. There is nothing on my credit reports stating or showing where this significant drop came from. None of the three credit bureaus responded to any of my letters inquiring about this. I could not get through to any of the bureaus on the phone, nor have I received any email correspondance. I am looking to purchase a home within the next 6-8 months and my credit scores were in the high XXXX 'XX/XX/XXXX, low XXXX XX/XX/XXXX before these drastic score drops which occured from XX/XX/XXXX - XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
On XX/XX/2023 I asked the credit bureaus to do a verification of everything on my credit report. They did, stating that everything is accurate. I did a thorough research myself and found improper inaccuracies. In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX XXXX XXXX accounts listed below, has violated my rights : XXXX-ACCOUNT # XXXX XXXX # XXXXXXXX XXXX-ACCOUNT # XXXX XXXX XXXX-ACCOUNT # XXXXXXXX XXXXACCOUNT # XXXX 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 written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: MD
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:
THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Closed on my house XX/XX/20, mort.co paid duplicate taxes that title company paid for XXXX, forced to refund money to mortgage co until they received that payment back ( they rec 'd it back in my account XX/XX/20, title company ck cashed in tax dept ). Also mortgage company added on extra interest to XX/XX/20, when I was PROMISED the following by XXXX XXXX and XXXX XXXX the return IN FULL of all backdated interest, XX/XX/20 ( date they posted the payoff ) to XX/XX/20 ( date they added on interest to even after house paid off ), and IN FULL XXXX, that I refunded them and they got back. All I got back was XXXX, and they insist they owe me no more monies. 
THEY DO!!! I want the backdated interest and the promised taxes paid back in full ( XXXX ). They have NO right to keep interest paid after house closed and to keep the taxes I paid back to them and promised to be returned to me within 30 days IN FULL, again by XXXX XXXX and XXXX XXXX of Mr Cooper. The latest letter I got saying the title company can pay me back the taxes, HOWEVER, the title companies ck was cashed and received, Mr cooper payment was rejected and THEY HAVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Experian Information Solutions Inc.
State: AL
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:
On XXXX XXXX my personal information was used to purchase a vehicle without my permission. I have made several attempts to dispute this matter with the three major credit bureau, XXXX and XXXX has assisted me in correcting this issues. Experian on the other hand has refused to assist me with this issues. The person who use my information without my permission have written and signed a statement admitting using my information to obtain a loan with 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 2023-08-15
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:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2022-12-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In apprx. 2012, I was scammed by a XXXX romance scammer.. 


This scam was very complex, and I went to the FBI here in XXXX 


I SENT {$10000.00} TO A BANK IN XXXX Tennessee, and the unknown woman or recepient of the {$10000.00} was posing as an Aunt to the romance scam as his Aunt.. 


I SPOKE WITH HER... 

i FOUND OUT SHE HAD A BANKING ACCOUNT AT THIS XXXX Bank but when I called to complain the vice president or manager I can not remeber I am XXXX, a senior female, said that yes this woman had an account but they had closed her account because of multiple complaints.. So I said well wells Fargo wired your client my {$10000.00} and I want it back! My entire savings.. and she said well you sent it it so its not our fault even though they knew! this woman was part of a scam!! 




I KNOW WELLS FARGO IS INSURED AND THEY WERE WRONG TO WIRE IT OR AT LEAST SHOULD GIVE ME BACK THIS MONEY.. 

They closed my account and a bout 8 months ago sent me {$14.00} or some such amount for my inconvenience??? 

So that is part of my story.. 

Thank you..

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