BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

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 2023-12-07
Company: Roosen, Varchetti & Olivier, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX my bank account was garnished about XXXX. I obtained information on garnishement from my bank. Garnished by Roosen Varchetti and Oliver. I searched their phone number and realized I had blocked this phone number on my phone in Early XXXXXXXX XXXX after multiple harassing, repeated phone calls. I get client calls on my phone so on XX/XX/2023, after receiving 2 calls in 2 minutes, I finally blocked the number. At no time, did this phone number leave a message to identify who they were or why they were calling me. My decision to block this number came after multiple days after repeated phone calls in short time frames. I am sure it was more, but the only ones I have documented are through XX/XX/XXXX. I see that they called on XX/XX/XXXX but do not have times documented. They called 2 times in 5 min on XX/XX/2023 ( XXXX and XXXX ), called 2 times in 3 minutes ( XXXX and XXXX ) on XX/XX/XXXX, 2 times in 11 minutes on XX/XX/XXXX ( XXXX and XXXX ), FIVE times in 20 minutes on XX/XX/2023 ( XXXX, XXXX, XXXX, XXXX and XXXX ) and finally, on XX/XX/2023 they called 2 times in 2 minutes ( XXXX and XXXX ) so I finally blocked the number. At no time, in any of these calls, did they leave on single voicemail. I blocked them because they were disrupting my work and not identifying themselves. I belive if they were not attempting to contact me in this manner, I would have been able to work something out with the debt that was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Having pulled my credit report from Equifax I noticed a fraudulent hard inquiry and previous address. I tried to dispute it using their online dispute tool but it told me it was unavailable and gave me a number to call. After calling the number and battling for a hour to get to a person the person told me that I couldn't file it over the phone and would have to mail or fax in documents to begin my dispute. I called their competitors and they were able to handle my dispute and it turns out the fraudulent information was not on their records. There is no reason in 2019 that anyone should have to mail or fax in documents to submit a dispute something on their credit report. I wish I could take my business away from Equifax but unfortunately consumers don't get that choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I reached out to Aidvantage in correspondence to a request I made for the refunding of all student loan payments that occurred since XX/XX/XXXX. I made the initial request via phone call on XX/XX/XXXX. Since then, I have phoned in several times times asking for any updates, or at the very least if it was approved. I haven't received any straightforward answers about this and only received the runaround instead. First I was told 4-6 weeks, then 6-8 weeks, then 10-14 weeks. There is no way to validate any of their processes either as there is no confirmation of anything. My account hasn't reflected any change at all since I first contacted them. This is unacceptable! 

Some reps say that my request was submitted same day that I called in. A few others say it was approved on that day. 
Has my request been approved? Why isn't Aidvantage reflecting an update on my account with the loan balance reinstated? I have been told a lot of conflicting information surrounding this process. With each time that I reach out, being told something entirely new or different. 

I reached out by email 3 times with no satisfactory answers XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. I also reached out via phone each week since I made the initial request and the timetable keeps being pushed back further each time. What I find most insulting, is that others who have made their refund requests after I did, have already had their balances reinstated and refunds received. There is no clear structure for this. I already explained to this company that I was facing hardship and I was originally told, because of that, that my request would be expedited, but clearly it hasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: BSI Financial Holdings, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company named bsi financial that we have that bought our mortgage we have had problems with. They dont except debit cards only ach payment and money orders ach they process whenever they want. With this being said last month on the XXXX of XX/XX/2023 we tried to do a ach payment it got kicked back had no idea it got kicked back I had to make a phone call to XXXXXXXX XXXX XXXX XXXX to find out it never went through. Then on XX/XX/XXXX 2023we sent a money order that we got from a store that does them. We sent it on the XXXX of XX/XX/2023 over nighted it through XXXX had it tracked and certified I got the update that on the XXXX of XX/XX/2023 at XXXX XXXX a lady in there financial department received it and signed for it. I checked a few days later cause there online thing takes awhile to update information on XX/XX/2023 I gave them a call and they couldnt find out what happened said they would call me back then on the XXXX of XX/XX/2023 I called again and the lady I spoke to couldnt do nothing about and said I needed to give the tracking number for the money order which is for me to use they wont fix this problem I have a screen shot of when they received it in there hand and where it came out our account. So because of this shows we are a month behind if I sent the money order this month they will put it towards last month thats if they get it and we will still be behind on a month. If you guys could please help out that would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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  Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX Removal of Inaccurate XXXX XXXX I am writing to demand the immediate removal of inaccurate charge-off reporting from my credit profile by Experian. I firmly believe that this reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under XXXX XXXX XXXX. 

I have recently reviewed my credit report obtained from Experian and have identified inaccuracies related to charge-off accounts. This misinformation is severely detrimental to my creditworthiness and financial standing. I insist on the swift removal of these inaccuracies, as required by the FCRA. 

I demand that you take immediate action to remove these inaccuracies from my credit profile. Delays or further investigations are unacceptable in this matter.

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 2023-02-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: MO
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've been informed that you do not restrict files when they are supplied along with an FTC fraud report. In order to create a legal remedy, I'm sending this letter certified mail in accordance with the FCRA 's 605b requirement. I will be giving my documents to my lawyer to begin a legal case if you decide not to stop the items stated below from reporting incorrectly as a result of identity theft. Please obey the law as it is not my aim to take legal action... 

The following things should be removed since they were opened without my permission or knowledge and are fake. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I require copies of any paperwork related to this account that has my signature, as I am aware that none exists, if you insist that these claims are entirely true and provable. I formally request that this information be promptly removed from the credit file you keep for my Social Security number in the absence of any such proof with my signature. 

Please be aware that if you discover any information in my credit file that you believe to be the product of suspected identity theft, you have four business days to stop reporting it. E-OSCAR or any other kind of automated verification is not acceptable to me.

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 2022-12-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 181 SECTION 682 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer report furnish an account without my written instructions.

15 6SC 1666B : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose.

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 2023-04-08
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:
The most recent letters that I have sent to Equifax disputing the inaccurate information on my credit report were sent on XX/XX/2023 and XX/XX/2023. Instead of removing or even responding to the inaccurate personal information and accounts ( that I have been disputing inaccuracies for over months ), they repeatedly send me letters to STALL by stating they need two documents for identification and current address. Here 's where the biggest problem is and COMPLETE violation of my rights. Every single letter I have sent to Equifax includes my Driver 's License for identification and Current Address, my Social Security Card for another form of identification, and a utility bill for another proof of address! I send THREE forms of documents WITH my letters to Equifax. Yet, their response to me is " Please return this letter along with the requested information and your original correspondence/request to the address below ''. WHY would I need to send in the same documents that were included in my original letters? Please see the attached letters sent to Equifax WHICH CONTAIN the identification and current address documents that they state that they need in order to " process without delay ''. Equifax is clearly operating ILLEGALLY. They continue to stall. Please see two letters sent by Equifax attached sent to me one day apart. They send multiples of these letters even though the documents they are requesting was included in ALL of my letters to them!! Equifax needs to remove the inaccurate information immediately. After multiple dispute letters to Equifax, I have received no resolution. They are in violation of the Fair Credit Reporting Act. I demand that Equifax take immediate action to correct the inaccurate information on my credit report and provide me with a prompt resolution to my disputes. Failure to do so will result in legal action being taken against your company for violating consumer protection laws. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for you willful non-compliance. For the record, I am attaching the two most recent letters sent to you on separate occasions. Items in the letters need to be removed. It has been over 6 months of me disputing this inaccurate information. It is illegal for them still to be on my credit report! It is illegal for you to keep stalling!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: CA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I maintain a deposit relationship at Wells Fargo bank, and one of the products I use is their online bill pay service. Ive had problems in the past with my payments being delivered on time, but this problem has gotten worse over the last two months. Last month my auto payment was late and took over 15 days to deliver to the bank where the loan was held. This month both of my auto payments are now late again, with one being processed 21 days ago on the XXXX of XXXX and has still yet to arrive to the bank where my loan is held. This has cost me a total of three late charges now.

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 2022-11-02
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: Account information incorrect

Complaint:
Transunion is reporting my XXXX XXXX as having a balance of {$6400.00}, last payment XX/XX/2022 and payment status as acollection account, despite the statement I provided them from thd creditor that cintradicts what they are reporting and claims to have verfied as accurate and true. My last payment on this account was in fact made XX/XX/2022, the payment status is both current and paying as agreed with a balance of {$2800.00}

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 2019-09-14
Company: EQUIFAX, 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:
From XX/XX/XXXX-XX/XX/XXXX I had leased a vehicle from XXXX. My leasing company was XXXX XXXX. I had a 36 month lease term, with automatically deducted bill pay. When my payments were concluded, I received an email stating that all payments were received, and I had completed my final payment in the series. XXXX reported me late during the months of XXXX and XX/XX/XXXX,  however I did not have payments due for those months. Throughout the month of XXXX, I called on three separate occasions to verify if I owed any additional payment, and to clarify that I could simply drop the vehicle at the dealership. I was told that I was current on payments, and confirmed to drop of the vehicle. 

The credit reporting error came to my attention on XX/XX/XXXX. I called XXXX, spoke to XXXX and her supervisor XXXX, employee # XXXX on XX/XX/XXXX. I was told that yes, in fact this was an error, as no payment was due at this time, and they would be removing the marks from my credit. 

I disputed with all 3 credit bureaus for the late payments reported in XXXX and XX/XX/XXXX. XXXX  removed both marks in XX/XX/XXXX. 

My credit report on XX/XX/XXXX showed that XXXX  removed XXXX but kept XXXX, Equifax   removed XXXX but kept XXXX. When I checked my dispute status with XXXX, it shows n/a for both completed and results. 

Additionally, my XXXX  page shows the wrong Fico score for the other three bureaus, which seems to account for the XXXX payment being removed from all 3. 

I would greatly appreciate your assistance to encourage Equifax and XXXX  to update their reports.

Company response to consumer: Closed with explanation