BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: GA
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 found inaccurate information in my EQUIFAX credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: First Technology Federal Credit Union
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I continue to receive mail from First Tech Federal Credit Union regarding an account. I have never openned an account with this union. I once received a mail stating I had an account with {$5.00}, I called to be removed from their mailing list and this stopped for sometime. However, I am not sure it stopped because of my call ( which there was no follow up as promised ) or because I moved. 

At the time of the call I lived in XXXX CA. I have since moved to XXXX, CA. I even received mail from them when living in another state. Even when submitting an opt-out request on their website I continue to receive mail from 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 2020-06-15
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been been treated unfair and poor unethically under hand tactics. I ant my mortgage payments applied to my mortgage and not in suspense and credit to bring account up to date. Now there is almost XXXX in suspense account not credit to account. Second I sent a money gram well over my regular payment to make up two payment with more money not credit to account in XX/XX/XXXX they say they do not have it. XXXX  XXXX said they do no response from them. Third I have sent this company XXXX in check free bill payment electronic and money not credit to account and no they want to take legal action. This is not right and can not talk to anyone but received letter from their attorney a week ago. They can return all my money in question and i will send an overnight cashier check if that is better but it's not fair i have to pay twice for money they already have need help. 
XXXX XX/XX/XXXX total XXXX with money gram sent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
inquiry was place on mt 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 2022-12-27
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XXXX and XXXX of XXXX, I have had over {$1000.00} leeched from my account. Each one of the funds had been a deposit made by my grandmother who was unaware that my account was inactive at the time, but had been used maliciously by an unauthorized user. I'm learning of this information, I logged in to find out that every single deposit was promptly siphoned out of the account, changing my email and password immediately. I opened up a claim with PayPal the day after, which they had denied every single one of my claims for every transaction that was actually unauthorized. I spoke with representative several times on the phone, which had told me of an unauthorized login and a different device that was used during these transactions. PayPal has failed to provide proof of their investigation, and they're only claim is that it is consistent with my history which there is none. I can choose to not use my PayPal account at any time, as I have done before in the past. Every single time, I have dissatisfaction with PayPal as they do not have any kind of customer reimbursement, a timely process for their claims, only to be denied with no evidence or real reason why other than what PayPal claims. They have even said to disregard what any representative has told me, in favor of them not reimbursing me. This entire year of XXXX has been a back and forth with paypal, with them giving me a canned response of it somehow being congruent with my history. The card that was attached to my account was never used previously before the unauthorized logins, nor was it added before these unauthorized logins. They have failed to be responsible for any real investigation other than to deny me of money that was wrongfully stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Company: Experian Information Solutions Inc.
State: NC
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 these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 11th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2022-12-27
Company: Experian Information Solutions Inc.
State: PR
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 was a victim of identity theft, for which the documentation was submitted to Experian to remove the XXXX XXXX XXXX account, with # XXXX they removed it from my credit report, and they reinserted the account that does not belong to me without notifying me by mail 5 days before as required by law, so I request that you remove this account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: WAKEFIELD & ASSOCIATES, 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:
To whom it may concern ; On XX/XX/2022 WAKEFIELD & ASSOCIATES, and XXXX XXXX XXXX XXXX XXXX XXXX furnished my information knowingly it was fraudulent information. Furnishing knowing fraudulently information such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to 5 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
Wells Fargo home mortgage failed to report all payments made on current mortgage to credit bureaus. Wells Fargo refused to remove the mortgage from bankruptcy after discharged due to XXXX XXXX  bankruptcy in 2011! Wells Fargo denied refinancing, unable to sell home, once again due to discharged bankruptcy in 2011! Home mortgage is locked into a bankruptcy that was discharged in 2011! Unable to navigate financially due to failed reporting, negligence and lack of customer service. Mortgage has been bought out now by XXXX XXXX, to which is still now locked into a bankruptcy case with a new lender! Requesting to be part of the class action settlement of Wells Fargo, for inaccuracy negligence rude disrespectfully being treated for years due to a divorce in 2011! Please consider this case into the class action suit as Wells Fargo home mortgage will not and has not communicated with me the homeowner with a discharged bankruptcy that was a XXXX  XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

The investigation conducted was not correct and this collection should be removed from my credit report 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 non-monetary relief
Consumer complaint received 2024-01-15
Company: MCMC Auto LTD
State: TX
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: Problem with personal statement of dispute

Complaint:
I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Specific details of the repossession in question listed in document attached XXXX.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
XXXXWhat certified documents were reviewed to conclude your investigation? 
XXXXPlease provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
XXXXWhat did it cost your company to obtain the documents needed to complete your investigation? 
XXXXPlease provide proof of your timely procurement of certified documents. 
XXXXDid you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
XXXXIf yes to above : a.Who did you speak to? 
b.On what date? 
c.How long was the conversation? 
d.What was their position? 
e.What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any email or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
XXXXProvide the date of the commencement of delinquency XXXXProvide the SPECIFIC date reporting that these items will cease

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is my 5th attempt to exercise my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that are listed on my consumer credit report : XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number Not listed on the report Bankruptcy Public Record. U.S Bankruptcy court As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

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 2023-10-28
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed 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 non-monetary relief
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have disputed the information from XXXX XXXX XXXX reported to Transunion as inaccurate on XX/XX/. Received letter from Transunion dated XX/XX/, statting that information was verified as accurate and updated. Originally showing {$8800.00} past due, now showing {$8800.00} past due. 

The account is an incorrect amount past due and is grossly overstated. 

This is a collection account and should not show a past due balance. This account is reporting inaccurately and must be removed immediately. Also, the balance/past due is incorrect.

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 2023-06-21
Company: Experian Information Solutions 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 am writing to submit a formal complaint against Experian regarding inaccurate information on my credit report. Despite my previous contact with Experian on XX/XX/XXXX, I have not received any response or resolution regarding the following incorrect information : These accounts are not mine, and I request its removal from my credit report. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} ), ( XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00}, Original Creditor : XXXX  ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00}, Original Creditor : XXXX ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$83.00} ) and ( XXXX ( Date Opened : XX/XX/XXXX, Balance : {$680.00} ).

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The following accounts on my consumer file is due to identity theft and needs to be removed and blocked on all three credit bureaus

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am receiving information on MY loan solely through disputes & credit reports. XXXX refuses to notify me of a seriously delinquent account & found out through searching on my own. The information I receive is INCOMPLETE, INACCURATE & totally unfair & a violation of my rights! 

This time, PLEASE focus on providing me with 24 months of COMPLETE payment history & send to MY address.

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