BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX has reached out to these companies stating that I have no knowledge of these unknown fraudulent inaccurate negative accounts. I disputed these accounts and requested verification from these companies but they have failed to do a complete an investigation and provide me with any signed contracts, acknowledgements with my written consent, and any individuals names that were interviewed doing the investigation process. It is noted on both unknown fraudulent accounts that these items were disputed by consumer but meets requirement of the FCRA. Experian, XXXX, and XXXX is ignoring and violating me as a consumer and did not complete a FAIR investigation within 30 days on my behalf which is a violation of my consumer rights. Before these credit monitoring services report any information by LAW they are supposed to make sure that they have my written consent and that anything reported on credit report is supposed to be XXXX Percent ACCURATE!!!! Each of theses credit monitoring services are reporting something different which is illegal. These unknown fraudulent negative accounts has caused my family and I embarrassment, financial hardships, and mental anxiety due to being declined credit.

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 2021-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND  THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: AR
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX, account number XXXX, which has a late payment on record. 
Arkansas XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which is in collections. 
XXXX XXXX, account number XXXX, which is in collections. 
XXXX XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX XXXX. 
XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX Bank XXXX 
XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXXl XXXX Bank XXXX XXXX XXXX XXXX 
XXXX XXXX, account number XXXX, which has been charged off. 
I believe that these accounts XXXX contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the late payment on my XXXX account may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
It looks like someone hacked my cellphone and logged into my business bank account and made a direct wire payment of {$24000.00} to three people that I never recognized on XX/XX/2021. I immediately reported to the customer service on same day around XXXX but he told me to leave a message to claim department because the claim department is closed. So I left a message and called early morning in next day and made a claim on XX/XX/2021. I received first responds around XX/XX/XXXX that they denied my claim because my ID and Password were used to make this transaction. I reclaimed again and provided police report and federal Identity Theft report to show my ID and Password got stolen by somehow. However, my claim was denied again in XX/XX/2021. Now, they don't allow me to appeal and forced to close my case. Even though their IP record shows that someone logged in from 4 different states, DC, TX, FL, and WI recently and my contact number was changed to the number that I never used, they still don't take my case as a fraud. 
Please be advised that the issues described in this complaint will be shared with the financial institution or company in question.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-07-28
Company: Experian Information Solutions 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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

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 2023-07-07
Company: EQUIFAX, INC.
State: FL
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: SUNRISE CREDIT SERVICES, INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
they are charging me a debt that we should not we have a year of receiving calls from sunrrise credit sevices # 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 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, my name is XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2021-12-31
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Complaint : Paypal wreaks havoc on my bank account without authorization by mishandling XXXX transaction. 

The problem that I am addressing is a recurring problem perpetrated by Paypal. 

On XX/XX/21 I made six XXXX purchases directed to my Paypal Credit account. ( in which I am always conscientious in maintaining great standing on all my credit cards ). However Paypal opted to utilize my bank account, of which I intentionally maintained a zero balance. Why would I select that method when I know it would hurt me financially. I'm on Social Security. Well they ran those six purchases through my bank. I received six overdraft penalties : {$33.00} each ( {$190.00} ), and purchase of {$150.00} for a total of {$350.00}. This has also occurred before by Paypal a few months ago. Fortunately it didn't cost me anything.

Upon discovering the issues with my bank I sent four emails to XXXX XXXX ( CEO ) XXXX, XXXX, XXXX & XXXX. I have received no response. 

I only want the amount of {$350.00} paid to my bank and an assurance this won't happen again. 
Thank you, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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 have reached out to Experian regarding an address reporting on my file of XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX TX XXXX which is not my address and has never been my address. I have lived at my current address XXXX XXXX XXXX XXXX XXXX XXXX TX for the last 21 years. They state they can not removed due to the address being attached to a XXXX  XXXX XXXX account which I have disputed numerous times with no success. 

I XXXX the address in question and it belongs to a XXXX XXXX XXXX XXXX XXXX XXXX. That is a business not a residence and I have never lived there or worked there. This is why I have had the fraud alert on my credit profile and its very obvious it really does not work if someone still was able to access my credit and tried to apply for credit on my behalf. I am self employed and my business address is XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX. 

What I want to happen is to have the address deleted immediately. If they state it is tied to the XXXX  XXXX XXXX account which I have also disputed repeatedly, I'd like to have both deleted 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 2023-01-27
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express National Bank and XXXX XXXX XXXX XXXX XXXX, without notice, filed a lawsuit against me in a state where I do not live and repeatedly contacted me to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Over 50 fraudulent inquiries in 3 days I have disputed over 5 times and credit report still aiding fraud against me by not removing fraudulent inquiries off my credit report. 
Also, I used a new credit card and in 1 day it was reported maximum use before I could even pay before due date which was over 20 days I had to pay. all other credit reporting has corrected the fraudulent inquiries but " XXXX. '' " TransUnion '' put maximum use of new credit card use 1 day after use but has not corrected card is paid in full. Due day has not come or is it legal to accept report 1 day after use.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress  you caused me. My information was also affected by the XXXX AND  THE XXXX data breach and may have gotten into the wrong hands.

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 2018-09-02
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
To the best of my knowledge and memory I make the following statements. Zwicker and associates ... 2 separate incidents on 2 separate calls on XX/XX/2018 in regards to myself asking about what is a " consent to release form. XXXX XXXX ... think I have last name spelled correctly may or may not have misled me. He stated that the consent to judgment was " basically the same letter " that was emailed to me earlier ( settlement agreement ) and that it would be my way to agreeing with the settlement for lower amount ... also, called XXXX XXXX lawyer and spoke to a woman. I asked her to connect me with the attorney to please explain the papers sent. She said that the papers were sent earlier that day ... ... in the same conversation she stated to me about the rule 11 and consent to judgment " if you do t sign it we will take you to court '' these statements are concerning to me. Are they to you?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother passed away in XXXX of XXXX. I am the trustee of her estate, which includes a property subject to a mortgage serviced by PHH Mortgage ( PHH ). I mailed all requested documentation to PHH Mortgage in XXXX of XXXX  to verify my successor status. I have made payments, but have not received a statement in months. I have requested that they accept me as the successor in interest, and they have no reason to dispute my claim. I recently learned that PHH has reported a delinquent payment. THIS IS AN OUTRAGE!! I have waited almost six ( 6 ) months for a response to my letter, with attendant documents, which was sent to your office on XX/XX/2022. I have multiple forms of confirmation that these documents were sent to you in a manner which satisfy the California Evidence Code. 

This is clearly a defamation of the estates credit you know very well from my letter FROM ALMOST SIX ( 6! ) MONTHS AGO as well as my subsequent conduct of sending payments WITHOUT THE BENEFIT OF ANY MONTHLY STATEMENTS. 

At this point, it seems clear that it is PHHs intent is to foreclose on the property due to nonpayment after this oppressive practice. This is a violation of Californias Unfair Business Practice Act, California Business and Professions Code 17200 et seq. as well as an obvious violation of California Civil Code 2920.7. I feel that the CFPB should intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 I mobile deposited a large check in my account indorsed to my sister they flagged my account and froze it untill my security appeal was approved .after the approval I was told to drive back down with my sister and our IDs we done that my sister was recently divorced so her named was back to her maiden name on her I'd well they requested divorce decree for her so we went got that the. At XXXX XXXX after honestly being there all day was told they needed more proof that was three months ago I've done security appeals everything being approved as they ask of me to get the funds released to myself and sister LITTERALLY have to drive 3 hours away to a branch sit their all day with the documents they required to be told at approximately XXXX XXXX  closing time that the documents they requested were not actually good enough now that I finally got them this has happened twice I've followed and complied completely with them to be treated like complete garbage when I got their my self and sister were both rudely spoken to as well as pushed back in line several times very very bad customers service when ask to have a supervisor we were told there was not one there this is ridiculous

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have hard Inquires on my credit report, that I did not authorize. Hard Inquires such as XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX. ( XXXX XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries. Fraud alert has been placed on my report four times. One time in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Identity theft has also played a part in unauthorized inquiries and accounts. Accounts such as XXXX, XXXX and XXXX XXXX is identity theft and should all be taken off my credit report. Letters of the law have been sent to all three bureaus ( XXXX, Transunion and XXXX  ). At this time, Iinvalidated information on my credit report to any of the 3 major Credit Bureaus ( XXXX, XXXX or TransUnion ), this action might constitute fraud under both Federal and State Laws. Due to this fact, reporting false information is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney Generals office. Civil and criminal claims will be pursued.

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