BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
-Capital One ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 

XXXX ( Bank XXXX XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 

XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have accounts thats been removed from my credit file due to identity theft. I sent supporting documents along with a police report. My credit report was then cleared. However months later the companies sold the debt to new companies for the same debt and it has returned. The two accounts that have returned are. 

XXXX Name : XXXX XXXX  Account XXXX Original company : XXXX Debt amount : XXXX XXXX Name : Southwest credit systems Account XXXX Original XXXX XXXX XXXX Debt XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant XXXX  and financial XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-03-30
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a collection notice from Convergent attempting to collect a debt for XXXX for over {$1000.00}. I have never had an account with XXXX, and I dont know how this account came about. I have reached out to Convergent and XXXX, as well as my local Sheriffs office. I also disputed this account on my credit report. XXXX indicated I may file a fraud report ; however, no information was provided as to when the account was opened, by whom, etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Attempted to contact National Business Factor to pay off debts on my account, my wife was informed that we had new debt through this company and when she asked for debt verification she was denied, the representative stated if you havent received the last documents you wont receive these on a recorded line. Representative refused to take payment on accounts due that I have verified stating, its all or nothing we disconnected the call due to the representative noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and I am a lifelong resident of XXXX. For the past two decades, I have resided happily in my home located atXXXX XXXX XXXX, XXXX, CA XXXX. Having been in my familys possession since XXXX when the loan was disbursed, this house was previously owned by my parents. The loan was for purchase and a few years back, I was so proud to finally be added to the deed. Payments have been made on this residence for quite some time now. Towards the end of XXXX, I experienced a few hardships. There are a few factors in my situation that negatively affected my ability to remain consistent on the payments for a period of time. Namely, my fixed-income status, my age, and my XXXX. Ultimately, this all coalesced into XXXX becoming the last time I was able to afford my payment. Fast-forward to today, only a few months later, and I am being informed that the mortgage is presently in per-foreclosure status. Despite my attempts to reach out to Wells Fargo for assistance. Despite our worldwide pandemic. Despite my situation. I urge you to hear me out. 

First, lets keep in mind current events, please. I know everyone is aware of what is going on regarding Covid-19, but I feel compelled to point out that it also affects ME as a human being. I am elderly and XXXX, which automatically categorizes me as a high-risk individual. That alone is scary enough to have to deal with. Businesses, companies, and banks like Wells Fargo are out here scrambling around trying not to let this virus negatively affect their stock too bad. I am here trying not to let this virus kill me. I really am doing what I can with what I have. Would Wells Fargo really take my home from underneath me in the midst of this historical crisis? I just want to be safe right now. 

Next, Id like to highlight the lack of assistance Ive received from Wells Fargo upon reaching out for help. Twice previously, I inquired about the options available to me regarding what could be done to relieve a bit of my financial burden in the trying times Ive over the past few years. FIVE people I have talked to so far : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I have to keep track of all this because I keep getting the run-around. I get the wrong information and no real aid. I would encourage Wells Fargo to kindly look through their case notes and help clarify in simple terms what can be done for 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 2022-03-30
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 FILED FTC REPORT AND MAILED IN ... I NEED THIS FIXED

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 2022-03-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I tried to finance a car through XXXX  I told them I only wanted my credit ran to one bank but they ran it through serveral other banks. 
It was ran through XXXX XXXX XXXX XXXX two times on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: AL
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX XXXX  on XX/XX/2019 and I have no recollection of doing any business with XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to 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 explanation
Consumer complaint received 2020-08-03
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
Santander XXXX : This was was voluntarily given back and the engine blew when the car only had XXXX miles and insurance wouldn't pay for it. This meant the funds were not available for the engine and the car which should of been covered under insurance and it left unable to pay for the car at this time It was voluntarily given back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since XX/XX/2018, the collection agency ( REMEX, XXXX ) did not tried to call doctor 's office to find out the right amount for the sevice date even though the doctor 's office gave the agency a wrong information and I called for 1 month. There is only 1 service for the same day. I faxed a copy of explanation of benefit to the collection agency. However, they asked a copy of explanation benefit about XXXX  dollar which is not existing and they sent me as a bill. During the call, they gave me a lot of stress by asking me of not - existing document repeatedly. I would like to report the agency vioates the consumer right law ( verbal abuse ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
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.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2018-05-09
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I'm writing to request this information be removed from my XXXX Credit Report Account. I've been disputing this account since it's been placed on my credit report. 

I lived at XXXX Apartments back in XX/XX/XXXX. When I got ready to move I spoke with XXXX the rental manager at that time. I gave them proper notice before I moved. I also was granted to move before my lease expired. The agreement was for me to clean the apartment and they would keep my deposit and I would not owe the apartment complex any rent. 
This was verbal agreement that XXXX the apartment manager gave me. 
After I'd vacated the premises several months later I started receiving collection notices that I owed {$730.00}. I left voice mail messages to XXXX who was the regional manager, I finally spoke with her and she stated that they kept my deposit, but I still owed money. I disagreed with her regarding any monies owed because what XXXX who was the Manager at the time advised me before I left that I didn't owe the apartment complex any money. I still didn't agree to what had taken place. 
I was still receiving collection notices until I decided to pay this money, because it would affect my credit and me not being able to rent another apartment. 
Before I agreed to pay the collection, I phoned XXXX XXXX   XXXX, I believe I spoke with XXXX XXXX, I wanted to know if I paid this collection would it be deleted off my credit and she advised that it would be in a few months. Well a few months has turned into years. 

I've been disputing this item for several years, and they refused to delete off my XXXX Credit report. I'm writing to your agency to see if this item can be deleted from my report. I've paid the item, but the collection agency didn't remove it like they told me. 

Please review this matter, I look forward to hearing from someone hopefully with good news.

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 2023-08-15
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief