BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did with Account : XXXX # XXXX. I also returned the equipment and paid my final bill after doing so the company charged me for a return fee and did not bring that to my attention. I received no letter or phone call about this bill. XXXX and XXXX deleted the account with no issues and Transunion did not. Under the fair credit reporting act, account # XXXX with 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 also states a consumer reporting agency can only furnish an account with 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 non-monetary relief
Consumer complaint received 2020-12-15
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:
Equifax has yet to disclose how they verified the following accounts. i have also asked for a legal and binding contract or agreement between myself and the creditors bearing my signature. they have yet to provide any of this to me. 

1. XXXX XXXX Account Number : XXXXXX/XX/XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XX/XX/XXXXXXXX XXXXXX/XX/XXXX Account Number : XXXX 6. XX/XX/XXXXAccount Number : XXXX 7. XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 8. XXXX XXXX XX/XX/XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi all these inquiries have reappeared back on my report again you guys helped me erase them I was or am a victim of identity theft from a ex who runs my social security number to the group please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST to Equifax. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

Equifax or Convergent Outsourcing has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX   XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have filed 5 disputes with the credit reporting agencies in regards to this inaccurate and horrendous account on my credit profile. I have asked them to send me the method of verification pursuant to section 611 of the Fair Credit Report Act. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2023-10-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen on XX/XX/2023 and {$1400.00} was spent from my checking account with Wells Fargo. 

I reported this amount on XX/XX/2023 and was given a temporary credit of {$1400.00} to my checking account while they continued to investigate the claim. 

After calling Wells Fargo, I was told that this would be resolved within 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: OH
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 ordered a copy of my report on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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: Reporting company used your report improperly

Complaint:
I have found inaccuracies on my consumer report that are affecting my ability to obtain credit and it has become very detrimental to my life. 

XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX  XXXX, GA XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX ) XXXX ) In accordance to the Fair Consumer Reporting Act the above accounts have violated my rights.

I have contacted the 3 consumer bureaus about these inaccuracies and no changes have been made and this is affecting my consumer report. I did my own research and according to consumer law : 15USC 1681 section 602 A. -states I have the right to privacy 15 USC 1681s-2 ( A ) ( 1 ) - states, 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.

15 USC 1681 section 604 A section 2 - states, A consumer reporting agency can not furnish an accurate without my written instructions.

The inaccuracies include dates open, dates closed, etc.

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 2021-03-01
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Company of complaint : Navient Date of complaint : XX/XX/XXXX I am 1 day past my grace period for my due date on my private student loan and Navient has called every single hour on the hour. They have already spoken to the co-borrower of this loan and they were very rude in the manner of how they spoke to him. He let them know I was the one who took care of this account and they told him he is responsible for this account and its extremely past due. Which it is NOT. they continued to call every single hour on the hour after speaking with him - I answered the and they hung up the call at XXXX on XX/XX/XXXX and called the co- borrower again. This is harassment. This is not the first time this has happened when my loan was first transferred from Sallie Mae to Navient I asked they do not contact the Co- Borrower and they refused my request. The Co- Borrower has also requested they do NOT contact them and they do not respect that. According to the FDCPA they can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  I am responding to your notice that you placed in my consumer re-port under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
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:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-10-18
Company: Experian Information Solutions Inc.
State: NY
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2020-02-17
Company: ROYAL UNITED MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
we took our loan out with royalUnited in XX/XX/XXXX. It all seemed a bit shady, It was a reverse loan, told they didn '' t check our credit, but they did, said i had to use the equity in my home to pay these two loans, and valued our home at {$120000.00} but the pay off was {$72000.00}, so they told us when it was over, the loan used up all of our equity, so all of these years they have added charges to the loan and it is now XXXX. also .the interest is XXXX a month. total activity this month is XXXX. Now XXXX has bought the loan, and we have never seen anyone and on this these things are listed as transactions- XX/XX/XXXX dis-procharge pre D7p appraisal XXXX -no one has ever reappraised this pro. also XX/XX/XXXX inspection XXXX XX/XX/XXXX disb .pro..chrg pre D & P-others-XXXX.taxes XXXX , and this XXXX .i sent to them but was returned and told to pay court house, court house sent back said it had been paid by mortgage comp . so that was their over site. total for transaction was {$860.00} .these charges where also added.interest XXXX, monthly int/MIP/PMI $  XXXXMONTHLY INT XXXX ALSO - {$540.00} -mip amount $ XXXX- {$130.00} {$37.00} {$130.00} prin- $ XXXX- interest {$2100.00} mip- XXXX.. The guy that helped us was XXXX XXXX from the start, said call if had questions, so a week or two after closing called when things seem wrong, but said they had to let him go.. so this is a night mare we will die regreating, we can never pay this mess off. and it help no paying a payment, but if we knew all this before we signed we would not done it. We where financed at a local bank and not behind so here at XXXX we own no home. they own us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to remove a fraud alert to purchase another home for almost 2 years. I keep getting transferred to a women who has never returned my calls for almost two years. No one in consumer affairs or customer service can access my report due to error 323. Even the fraud team transferred me today to this litigation women. I have given up a few times. Can someone officially remove the fraud alert that has effected me with my online accounts with XXXX  and transunion.

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 2023-10-18
Company: Experian Information Solutions 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:
I am interested in processing disputes on my credit report to delete an remove all information submitted in the files. this has been an ongoing issue that needs to resolved an has caused major effects to my credit report. all items listed are illegally reported an fraud. please review all listed items to delete an remove the incorrect information to help clear my file asap.

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 2023-04-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have found inaccuracies on my consumer report that are affecting my ability to obtain credit and it has become very detrimental to my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX ) XXXX ) In accordance to the Fair Consumer Reporting Act the above accounts have violated my rights.

I have contacted the 3 consumer bureaus about these inaccuracies and no changes have been made and this is affecting my consumer report. I did my own research and according to consumer law : 15USC 1681 section 602 A. -states I have the right to privacy 15 USC 1681s-2 ( A ) ( 1 ) - states, 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.

15 USC 1681 section 604 A section 2 - states, A consumer reporting agency can not furnish an accurate without my written instructions.

The inaccuracies include dates open, dates closed, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, Ive tried multiple times to have all 3 reporting credit bureaus remove 3 disputes, 2 on active credit cards placed incorrectly 3 years ago and 1 on my XXXX XXXX XXXX XXXX car loan. I did not dispute my XXXX XXXX MasterCard accounts nor XXXX XXXX XXXX XXXX and have asked that this language be removed from these accounts. These credit card accounts and my car loan are in good standing and always have been but are being reported as negative as a result of this. 
Additionally, there is a {$91.00} collection from a company called XXXX XXXX this account does not belong to me I have no contract with this company and have no idea who they are I have asked that this information be removed from my report to no avail.

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 2018-03-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2018 my checking & savings account was closed for unexplained reasons in which i was told would be mailed to me i've never had any problems with my account & i dont understand why this has happened not to mention this is very inconvenience to me i feel that if your going to close someones account please have a very good reason for why your doing so if there were suspicious activity then i shouldve been notified during the time it happened this is very unprofessional i feel like im being targeted for some unknown reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: EQUIFAX, INC.
State: SC
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:
Complaint : The Equifax Credit Bureaus has failed to verify the account listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ).

Background : I filed a dispute with Equifax per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded this account be Verified or Removed immediately : Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Additional Facts : Certified Dispute Letter Received by Equifax : XX/XX/2020, at XXXX XXXX ( See Attachment ) Deadline to provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Equifax has failed to provide Verifiable Proof that meets the standards of FCRA , and this account remains on my Equifax credit report.

Company response to consumer: Closed with explanation