BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX  in early XXXX and did not get out of the XXXX and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX  IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! I almost died from COVID AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO CREMATE MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS JERKS RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!

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 2023-01-09
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was granted forbearance by Freedom Mortgage in accordance with the CARES Act during the pandemic. I was an essential worker at the time. Coming out of the forbearance, I agreed to a loan modification. I submitted the appropriate paperwork to Freedom Mortgage on XX/XX/XXXX of 2022. I called frequently to ensure I had submitted the proper paperwork to them and was assured that I did. Many months later, I was asked to re-submit my loan modification paperwork. I complied and submitted my paperwork a second time on XX/XX/XXXX of 2022. I again called Freedom Mortgage frequently to ensure I had submitted the proper loan modification paperwork. I was again assured that I did. To my surprise in XXXX, I called my payment into Freedom Mortgage as online payment was not an option. The customer care representative stated that my mortgage had moved into pre-foreclosure. I have never missed a payment to Freedom Mortgage. I've maintained my mortgage in accordance with the stipulations outlined by my forbearance and loan modification option and was being told my mortgage was in the preliminary phases of being foreclosed upon. I submitted loan modification paperwork for a third time on XX/XX/XXXX of 2022. I have called multiple times since then and have been told of errors in the paperwork despite following the previous customer care individual 's instructions perfectly. At this point, the mechanisms intended to provide help to veterans that are their customers is broken. Freedom Mortgage gives the appearance of intentionally allusive requirements and insufficient communication to customers if there are follow-up items needed. It is now more than 1 year later, and Freedom Mortgage has failed to act and is submitting derogatory information to the credit bureaus despite my consistent follow-up and compliance. I will lose thousands of dollars that I would not have had to pay in principal and interest had Freedom Mortgage followed through in a reasonable manner to protect their customer, me, against the negative impacts of a global pandemic and while functioning as an essential worker during that time. I am now being penalized twice with the negative credit information being reported to the bureaus on top of the additional financial burden I carry due to their inaction leading to a higher interest rate. This is not how a 100 % VA XXXX veteran should be treated and especially so by the number 1 VA loan servicer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: LFG Data Services Holdings, LP
State: VA
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 am writing to dispute inaccurate information that your company, LCI, has reported to consumer reporting agencies. As a furnisher under the Fair Credit Reporting Act ( FCRA ), LCI is required to provide accurate and complete information to the credit reporting agencies. However, I believe that the bankruptcy information that LCI has reported regarding my account does not comply with the FCRA due to an inaccurate address. The information that has been reported shows an address that is not associated with me, which may have caused confusion and errors in the reporting of the bankruptcy. 

Under Section 1681e ( b ) of the FCRA, furnishers of information must take reasonable steps to ensure the accuracy of the information they provide to consumer reporting agencies. This includes providing complete and accurate information, investigating disputes, correcting errors, and providing notice of dispute. I request that LCI investigate and correct the inaccurate and incomplete information on my credit report as required by this section of the FCRA. 

I also want to bring to your attention that a recent report by your company failed to comply with the FCRAs maximum possible accuracy standard. According to this standard, a report must be both factually correct and free from potential for misunderstanding. It is important for LCI to meet this standard to avoid causing confusion and errors in the reporting of information. 

Therefore, I request that LCI not only correct the inaccurate information on my credit report but also take steps to ensure that all future reports comply with the FCRAs maximum possible accuracy standard. Additionally, I request that you provide me with a written notification of any corrections that are made to my credit report, as well as an updated copy of my credit report. 

As a consumer, I have the right to dispute inaccurate information that has been reported to the credit reporting agencies. I appreciate your prompt attention to this matter and look forward to a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
Before the XXXX I had lost my card and sometime after a person was able to log into my account and deposit unauthorized checks into my account. I hadn't noticed till a few days later due to being extremely sick. I had notified the bank the following Wednesday of the issue they told me they would look into. They determined due to the checks being deposited in my area it was my fault. Now I'm stuck with a negative XXXX balance on my account about to lose my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: TX
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 acct # XXXX, has violated my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've been attempting to have my sister assume my loan, I contacted the Mortgage company Caliber Home loans. About a month ago I was told that my they would contact the assumptions team and would send out a packet to fill out. I was informed it may take 30 days, the 30 days have come and gone and I have yet to receive the packet, I would understand the actual process of underwriting to take this long, but to even receive the application to take 30 days sounds ridiculous. After waiting the 30 days I have called the mortgage company and each time I inquire about this process I'm told I have to speak with the assumptions group and each time they transfer me I'm on hold for more than 2 hours at a time at which point I get disconnected anyway. I'm not sure what's going on with that company, but they have failed to help me as requested. Having worked at a bank previously I know there may be delays, but I also know when the proverbial ball has been dropped and I feel like it has been dropped this time. 

First time I contacted Caliber Home Loans was on XX/XX/XXXX. 
I have subsequently spoken with 5 representatives from that company each with varying results of failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: MO
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:
This is NOT a Duplicate Report and this is NOT filed by a 3rd Party or Credit Repair company. The accounts below have violated my rights In accordance with the Fair Credit Reporting Act XXXX. I have all rights to privacy and I didn't give written consent to furnish these accounts on my credit report. 

Account XXXX : XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX NA Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a 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 2023-08-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit on the day of XX/XX/2023 for an amount of XXXX. This was a bill of $ XXXX bundled together with a XXXX label ( as is customary from the bank ). 
The ATM machine was not able to register the {$5000.00} and can only register {$3500.00} at the confirmation prompt, to which I promptly realized was an error and requested for the ATM machine to cancel the transaction. 
At this juncture, the ATM machine retured exactly {$3500.00} but the rest of the money from the initial bundle ( {$1500.00} ) was not returned. 

I filed a dispute claim with Wells Fargo ( claim number : XXXX ) but Wells Fargo informed me last week ( XXXX XXXX XXXX I can find the letter if need be ) that the claim was denied. 

I tried to contact Wells Fargo to explain that I have evidence they might be interested in ( since I took pictures of the serial numbers for the XXXX dollar bills ) but it was a dead end as their 'investigation ' that took 2 months did not show any extra money being deposited into the account from my transaction.

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 2023-02-02
Company: EQUIFAX, INC.
State: PA
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-28
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$330.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX SXXXX Inquired XXXX XX/XX/XXXX 2023

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 2023-12-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-06-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Hello, ATTENTION ATTORNEY GENERAL, the matter still hasnt been completed to success. The credit score isnt corrected, also, the deletion hasnt been given as of yet to the credit report. Previous, the deletion was stated by XXXX to be given, but, in person, online, the unscorable was displayed with the previous student loan information showing and displaying on the Experian.com site. The information was never deleted. I requested the account information to display due to the unscorable credit score displayed, the Experian representative stated there wasnt sufficient credit report information to display any credit score due to a ( n ) non activity within six months. I phoned and emailed continual contact information regarding the six month factual data of the student loan that is within the parameter within the six month time frame. The Experian.com never deleted the student loan information as stated by XXXX, that would have been a ( n ) step in the right direction for me as the consumer, instead, the information just displayed as stagnated and stale. I want the credit report to show the accurate credit score given the previous XXXX with the deductions and erasures made given the previous data of credit history. XXXX, with the {$1700.00} in collections and the XXXX hard inquires with the written off/collection of the XXXX XXXX XXXX Credit Card XXXX I had all erased and deleted. The score should be bold with credit opportunities. In addition, the student loan entirety to be deleted from my consumer credit report ( s ) as stated from the XXXX, addendum, to the amount do display consumer, when provided all details chooses the deletion of the XXXX amount owed in its entirety, total deletion of XXXX student loan. Okay. Not an unscorable. But, now with no debts, hard inquiries indicated, please indicate the new score ; where I as a ( n ) consumer, to receive credit opportunities.Okay. Lets erase the student loan XXXX and recalculate the credit score given the deductions. FAIR CREDIT ACT and all in place, okay. XX/XX/2023. 
WAS XXXX, NOW THE CREDIT SCORE... ... I.E., XXXX, etc.. CLEAN REPORT, THE XXXX STATED TO DELETE THE ENTIRE AMOUNT OWED, IN ADDITION, ALL COLLECTIONS AND HARD INQUIRIES ARE DELETED. XXXX, TO BE CORRECTED AND UP THE SCORE, THANK YOU!!! : - ) Sincerely, 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 2023-03-10
Company: TD BANK US HOLDING COMPANY
State: MS
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:
On XX/XX/2022 I went to a XXXX XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notice of collection efforts for {$980.00} on XXXX XXXX by MRS BPO.com that I have no knowledge of this debt whatsoever. All my bills are paid and on time. 
Called no action often do not answer ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief