BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.15 USC 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 
I sent dispute letters To Transunion, XXXX and XXXX on the following dates XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I haven't received any response from the 3 credit bureau 's listed above.

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 2020-04-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I disputed the inaccurate information with Experian that they are reporting in reference to an account with XXXX. They immediately closed it on XX/XX/2020 with no just cause so on XX/XX/2020 I re- opened it. Unfortunately as of today XX/XX/2020 Experian has closed my dispute and continues to report this inaccurate erroneous information reported by XXXX. XXXX is pursuing me for a {$320.00} early termination fee, however they have failed to VALIDATE the debt. By law they must provide a copy of the contract that I allegedly agreed to whether it was written, verbal or electronic. This is a violation of my rights under the Fair Credit Reporting Act and this false and inaccurate information needs to be removed from my CBR 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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX and XXXX XXXX  XXXX for wrongful reporting to the credit bureau. I recently discovered that the company has reported negative information on my credit report, which has affected my credit score. However, I have no prior knowledge of this account, and the company has never contacted me regarding any alleged debts. 
When I contacted them at ( XXXX ) XXXX to inquire about the account, they did not have any record of me or the alleged debt. This raises serious concerns about the accuracy and legitimacy of the information they reported to the credit bureau. It is extremely alarming to me that a company can report negative information on my credit report without even attempting to contact me first. 
I am deeply troubled by this situation, as it has caused significant harm to my credit score, and therefore my financial well-being. I believe that XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I urge the CFPB to investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX and XXXX XXXX XXXX is held accountable for their wrongful reporting practices. I request that you take all necessary steps to rectify this issue and remove any negative information from my credit report that has been reported without my knowledge or consent. 
Thank you for your attention to this matter. I look forward to hearing back from you regarding the progress of this case.

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 2018-05-03
Company: Fidelity National Information Services, Inc. (FNIS)
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: Public record information inaccurate

Complaint:
I was going over my ChexSystems report and I notice information that is old and old dated, and not listed properly. I had a bankruptcy that should had discharged the account that are still showing. XXXX should not have a balance showing since it was discharged in my bankruptcy.

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 2021-02-11
Company: Comerica
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My card was expiring on theXXXX so I called for a replacement card on XX/XX/XXXX they sent me a card but that card did work they said they didnt no were that card came from so I ordered another card that card came also tried to ativact that one that one did not work so I ask to speak to a supervisor I told her whats going ok then she said she would get me another card so that card also came by XXXX so that didnt work thats the third card was sent out to me and didnt work I told her I havent not even paid my bills that the landlord was evict me all she said she was sorry to here that but she is the supervisor and thats all she had to say was sorry now I called again XX/XX/2021 to speak to a supervisor they told me theres no supervisor in

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
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:
I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX. 

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: AZ
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:
Months ago, I have sent a letter to the three credit bureausasking them to remove 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. Kindly remove these ASAP. Thank you. 
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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-02-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
TRACKING NUMBER XXXX wells fargo case number ; XXXX XXXX XXXX and discrimination they closed my account and credit card when i ask for a credit line increase account number XXXX XXXX XXXX XXXX i would like it opened back up with the right amount of credit other custumers that i know have over 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 2023-08-30
Company: Arcon Credit Solutions LLC
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/2022, XXXX XXXX XXXX ( ACS ) begun managing my private student loan from XXXX XXXX XXXX The balance at that time was {$5500.00} ( and XXXX cents ). Since then, I have made monthly payments of {$460.00} to XXXX. Currently, this loan 's balance is {$930.00} according to both my own records and XXXX ' website. However, the credit report I pulled today, XX/XX/XXXX, says the " Reported Balance '' of this account is, bizarrely, {$4100.00}. Not XXXX of the payments I have been making all year to XXXX appears on this report. 

I have also today submitted a dispute to XXXX and an e-mail inquiry to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on XXXX, {$100.00}. I never received the merchandise. I contacted the merchant, they did not respond. I filed a dispute with Capital One, they issued a temporary credit. They rebilled the charge. The merchant issued me a full refund, documents attached. Capital One has refused to issue me the credit to which I am deserving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: NC
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 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: Closed with explanation
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hi I just wonder if nsf fees that Bank of America must reimburse to their clients is between XXXX, correct? My concern is what I saw on my statement counter credit which will be added from the early date of a bill. However, I asked bank already but failed to get the answer.My understanding is that adding counter credit from the beginning of the bill to deduct all the negative expenses that will cause nsf fees eventually. 
I often cashed check and withdraw at teller. But I never once deposit at tellers since atm machines are available 24/7 and show up on account immediately. Therefore, why would I wasting time to wait in line and fill papers? Bank of America will not reverse the fraud transactions in XXXX anyway. So it is hard to prove if the nsf transactions really exist. Or else I would love to hear explanation of counter credit that I dont think I have made. 

By the way, in XX/XX/XXXX that Bank of America just remove, I found a suspicious check that Bank approved it. Number of check wasnt consistent to my check that was XXXX. Representative said that was my check when then name on the check was not even me. Also, there was no signature on the check. Bank let that check deducted money from my accounts. I asked for check details which they can not answer. The same incidents happens in XXXX 2 checks but very interesting that those checks were using the same account number but different routing numbers. Even irs, never had my 2 routing numbers. Especially, my routing number were from XXXX. But I lived in XXXX over 10 years. I was surprised that a scam could get those information. Btw, the check scam company was in XXXX XXXX XXXX XXXX XXXX. I believed XXXX was investigating.

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 2023-09-08
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EQUIFAX IS FALSLY REPORTING AN ACCOUNT FROM XXXX SUPPOSEDLY FOR XXXX XXXX IN THE AMOUNT OF {$550.00} DOLLARS SO I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. I AM ON XXXX AND MY INCOME IS FEDERALLY PROTECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Over the last XXXX months I have requested from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to validate a debt / charge off which appeared on my TransUnion credit report ( Account # XXXX, this account does not appear on any other credit agency reports ). My most recent certified letter is attached along with proof that they received the letter sent XX/XX/2023. I have never lived in XXXXXXXX XXXX and the XXXX of XXXX XXXX has never responded to my written and documented request for answers on this account. I have contacted them on the telephone several times and they have told me that because they are a utility company, they do not have to respond to requests such as mine and that I have no rights to request validation of this debt nor information on the account since they do not answer to the FCRA or the CFPB. I have contacted TransUnion regarding this matter as evidence from the attached letter ( XXXX account highlighted in yellow ) to them and have never received any response. I have also included my ID.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2019-08-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo Student Loan is showing as delinquent when it has been 100 % paid in full and has no money left on it.

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 2020-04-14
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband is XXXX XXXX military. We recent refinanced our home through sovereign lending and somehow ended up with NewRez as  our mortgage lender. I was laid off last month due to covid 19. We lost over 60 % of our income. We have other bills too obviously. We submitted a hardship request online around XX/XX/XXXX. I had to call and wait on hold for over an hour multiple times to follow up on this, as they were not getting back to us. Eventually we got a letter from New Rez saying we were approved for forbearance. Today we got a letter from ShellPoint, which works in loss mitigation. The letter stated that we are in forbearance and did not owe a payment for 90 days. However, it also said, ... their requirements for determining borrow eligibility for a loan modification trial plan include determining whether the borrower is experiencing a temporary or permanent hardship. Based on our review of your current circumstances, we have determined that you do not have a temporary hardship or a hardship that has caused a long term or permanent increase in expenses or decrease in income that prevents you from making your mortgage payment. Because you have sufficient financial ability to bring your mortgage current, you were not eligible for a work out solution or are ineligible for a loan modification. Then it goes on to say that we are only eligible for short sale or foreclosure. 
Furthermore, the letter states that we will be reported as delinquent on our mortgage and our credit may be affected and we will still owe the lump some of payments missed at the end of the forbearance. I believe this is in clear violation of the CARES act, as well as the Department of Veterans Affairs guidelines. 
The loss of a huge portion of our income is clear financial hardship. When I called and waited on hold for an hour then asked for clarification, they would not divulge how they determined otherwise and I was told I would need to call back to get answers. 
From what we have seen of New Rez so far, and now ShellPoint,  they should not be servicing Va loans and I think it would be appropriate to require them to refund loan origination fees and release us from our loan/allow us to transfer is elsewhere without penalty, as they clearly have no interest in abiding by federal guidelines or providing legit service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation