BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: CA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-11
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter from MANDARICH Law Group. 
They said I owed them money? 
I do not owe them money, nor have I ever done business with them. 
I have done research on them and found that they use unethical practices to collect money from people. 
They escalated their harassment from week of XXXX. 
They are sending a woman to my door after dark, and the woman is ringing the doorbell, banging my security door like a violent person, calling my name ( XXXX XXXX XXXX? 
I am frightened for my well-being, and can not stay home because I am fearful. 


I am a XXXX XXXX XXXX WIDOW, with a broken knee and other health issues. 
I have been staying away from the house because of this violent harassing behavior! 
I reported this to the XXXX with no response so far? 
I want this HARASSMENT to CEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying my loans and have bank statements as proof of payment. I have not been reimbursed. As per Navient company they have not received any payments since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: MI
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for 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 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 explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: TN
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 ; XXXXXXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instruction.

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 2023-02-26
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
Im a victim of identity theft and four of my major credit cards were used online transactions and other ways. I reached out all the credit companies however no action s taken so far and all those balances are added to my credit profile. This affects my credit score drastically and I couldnt able to get any credit services. Unfair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Im filing a complaint to you today to notify you I am a victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to complain to the 3 bureaus through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX  XXXX .... Balance : {$1900.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX : {$2900.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: RoundPoint Mortgage Servicing LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have recently completed 12 months of on time payments after completing a forbearance. 

I asked my servicer ( RoundPoint ) through their customer retention group to reach out so I can talk to them about refinancing my loan ( throughout the forebarance my credit to a hit because the payments were reporting late ) No response. I followed up with another email two weeks later and received no response. 

I then reached out via email to the customer service group. I received a notice that the request had been received, but no response. Prior to this, the customer service department has been good about responding. I send another message a week later to follow up on my question. 

My hope is that my servicer could assist if anyone can due to the credit hit. I can accept a no, I cant accept being dismissed as not important enough to respond to.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: Consumer Adjustment Company Incorporated
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like for CONSUMER ADJ to show proof of verification that I owe them {$140.00}, ACCOUNT XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed ABOVE. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I have contacted the credit reporting agencies, XXXX, Experian, and XXXX. I have either been met with resistance or received no response. I believe that my requests for correction and investigation are reasonable and should be complied with. Due to them not reaching out with any actual communication, I have to submit this complaint. I've been working on this for the past year and no real response. Then XXXX ruined my credit with their glitch and has since dropped my score even further without a response or reason.

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 2023-08-16
Company: Experian Information Solutions 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from 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 2023-03-27
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-23
Company: EQUIFAX, INC.
State: UT
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:
XXXX as well as Equifax both refuse to correct obvious errors on this account. I have asked and complained that it be corrected but both fail to follow the FCRA laws believing they're some how above the laws! XXXX is being investigated by the XXXX XXXX XXXX for numerous customer complaints. You can't have a great rating if you're not doing what the law requires you to do. I have had issues on this account prior to it charging off illegally with their accounting practices. I still have all of the documentation to prove it. They turned me over to a collection company, I sent the proof of my dispute to the collection company. They never acknowledged it because they couldn't follow along with the details. It required them to pay attention, that was impossible so they dropped it. I sent it to XXXX they refused to acknowledge the proof then charged off the account without ever bothering to resolve it. Each time I called they made excuses, claimed to write up a dispute or sent me meaningless letters telling me to send it in writing. When I did, they sent me the same letters not acknowledging I'd sent it already, nor attempting to resolve the problem. So they illegally charged off the account without ever resolving the dispute legally as per the FCRA laws require! Instead they damaged my credit based on their laziness and unwillingness to resolve a months long dispute over how they were applying payments, and reporting them on my billing statements. I still have the package which consists of 26 pages including the letter I sent them back in XXXX XXXX. They never bothered to respond to any of it. They just ignored me and charged off the account which is what they do! That's illegal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: ACIMA CREDIT, LLC
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:
I disputed a charge off account on my XXXX credit report that has incomplete and inaccurate information. XXXX did not do a thorough investigation and the charge off remains on my credit report. The account was last updated on XX/XX/2020, with a status of charged off. The account history shows a 30 day late, a 60 day late, and then a charge off. From my understanding, charge offs do not occur until after 120 days. The account also appears as a car lease, when I did not lease a car with the company. The account also has no date of last activity listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX, 2023 XXXX XXXX XX/XX/2023 has violated my rights. 15 U.S. Code 1681 section 602 a. clearly states that I have the right to privacy. 15 U.S. Code 1681 section 604 a. ( section 2 ) clearly states a consumer reporting agency can not furnish an account without my written permission or instructions. 15 U.S.C 1692 C clearly states that 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 non-monetary relief
Consumer complaint received 2023-03-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My insurance company sent proof of insurance to Wells Fargo in XXXX, Wells Fargo claimed they never received it and sent threatening letters. I called them, spent hours on the XXXX XXXX and with an agent that was useless. I resent all insurance evidence again through upload, fax and email. The process repeated in XXXX, XXXX and XXXX. Each time Wells Fargo emailed me that they received evidence and all is good, then the threats repeated. They just sent a bill charging me {$1800.00} for new insurance. I cant get through to a human, just robots.

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 2023-02-13
Company: EQUIFAX, INC.
State: FL
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there is still an account to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm this account. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Appeal appeal appeal regarding my cfpb complaint revorded and documented with the cfpb as # XXXX REGARDING XX/XX/XXXX wells Fargo bank response letter stated as sent to my ongoing complaints of fraud activity done on my us legal name of XXXX XXXX XXXX XXXX XXXX and identity theft complaints ( FTC REPORT # XXXX ) I DID NOT RECEIVE WELLS FARGO BANK PHONE attempts OR MAILED RESPONSE As stated. Wells Fargo Bank aka Wachovia XXXX wells Fargo advisors responded via cfpb portal saying that in fact there was an account established for my us legal name in XX/XX/XXXX. I did not establish this found XX/XX/XXXX WACHOVIA Wells Fargo account. I am requesting all signature cards of this established XX/XX/XXXX account address where it was opened and phone numbers and all emails and ipaddresses and all created linked money instrument accounts to this stated established account of XX/XX/XXXX. I am requesting a copy of the opening and all unauthorized transactions on this XX/XX/XXXX account. I am reaching again to XXXX XXXX Wachovia na and wells Fargo and Wachovia na XXXX XXXX XXXX and wells Fargo advisors and all affiliated private wealth management bank and financial institutions that are linked to this stated XX/XX/XXXX account in wells Fargo resobse letter of finally XX/XX/XXXX approx 13 years from the original date that I requested a fraud and identity theft review IN PERSON AT XXXX XXXX XXXX XXXX XXXX XXXX VA WACHOVIA. XXXX LOCATION TO THE BRANCH MANAGER XXXX XXXX XXXX of all my sole owned ssamonies and life savings AND UNAUTHORIZED GAINING ACCESS OF MY STOCK FOLIO AND PROCEEDS FROM XXXX XXXX XXXX XXXX XXXX VA SALE OF MY SOLELY OWNED AND DEEDED XXXX XXXX DOLLARS other monies. PLEASE FAX YOYR WELLS FARGO RESPONSE TO ME ASAP AT MY PAID FAX SERVICE XXXX. Please note Wells Fargo I have followed up with the Security And Exchange Commission of the USA. I received no info regarding this XX/XX/XXXX ESTABLISHED account from ANY FINANCIAL INSTITUTION even after repeated fraud suspicious reports in person by me a US CITIZEN XXXX XXXX XXXX XXXX XXXX. I am need these documents for my records and to know where I need to go and get answers to from this fraud activity and unlawful access of my name and solely owned monies of over XXXX XXXX dollars.

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