BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: Alorica Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Systems & Services Technologies , Inc. ( SST ) fraudulently opened an account on XXXX, XXXX and XXXX. This has damaged my credit score by over 90 points. They say I owe {$4000.00} but I do not owe them anything. I asked them to send information regarding my debt and provided nothing besides to say the account was transferred to a third party on XX/XX/23. This information was not enough to justify the debt, negative payment history, and derogatory account status on my credit. They never sent a debt verification letter like I requested. They were unable to provide the date my account was opened, only the date the account was closed and transferred. Earlier this year, I was harassed by recieving multiple robocalls a week at all times a day to collect a debt I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I received a loan check from my 401k investment account for {$1000.00}. I deposited the check around XXXX using my mobile app through Wells Fargo . The {$1000.00} was available immediately and was able to use it with no hold placed on the check. The following day at around XXXX my account goes from $ XXXX to - {$290.00} due to the check being placed on hold after it had already cleared and now my bank won't release the funds until XX/XX/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 explanation
Consumer complaint received 2022-06-02
Company: KEYCORP
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
have commercial bldg leased to county their fore property tax free. Key Bank escrows {$4600.00} per month with mortgage payment. They charge {$250.00} to audit before refunding any escrow. they refunded part of held money but then charged another {$250.00} to audit again for remainder which they still hold and they still require {$4600.00} a month escrow for non existing taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-01-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have many fees charged on my account. I paid because the bank is not responsible. It was free of charge but I had to pay a lot of fees of {$35.00} USD to be able to use my account. I've complained many times and to no avail.

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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this conns credit corps account number XXXX many times and Transunion continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. This account number is also a duplicate account with a different balance of XXXX. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and the refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/2016. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both duplicate acccount one of XXXX and the other XXXX they are both charged off the balance should be 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 2022-01-12
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My personal information, SS XXXX XXXX XXXX. I was just made aware of a fraudulent loan that was taken out under my name and credentials without my knowledge or permission. I have never done any business with a XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX ). I am disputing this under the Federal Law FRCA 605b. I have  contacted the XXXX Police and the FTC and filed complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 10th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}

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 non-monetary relief
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: AR
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:
Informed the credit agencies that I did not sign a contract or open an account with these companies. I assured them that I have not benefited in any type of way from the accounts. I sent all three certified mail letters stating the XXXX, fraud, a police report stating such incident, and an affidavit reporting all this. When I originally reported these accounts as fraudulent the credit agencies said that had to file a police report before they would remove these accounts. So I followed their rules and did but was told they would only remove the information if the creditors decided to do so. I informed them that I am stuck in a never ending cycle because I am telling you this information is inaccurate but you will believe the creditor over the consumer. XXXX conversation of XX/XX/2022 is file number [ XXXX ] which should have been recorded. I was told it was nothing they could do unless the creditor decided to remove it. I feel like my rights are being violated under U.S.C. 15 1681 ( c ) XXXX and 1681 ( e ) and I am trying to resolve this manner in the policy they asked of me but still no resolution.

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 2022-06-02
Company: EQUIFAX, INC.
State: GA
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:
Hi, I've disputed the validity of XXXX loan ( might be under another name now ) on my credit report and all other credit reporting agencies removed this from my report ( upon investigating validity of information ), with the exception of Equifax. This information should be removed to align with factual investigation from the other credit reporting companies XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
DELETE THISES INQUIRIES 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 2023-10-09
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX that around the XXXX of every month Experian is charging me {$24.00} for an account that doesn't exist. I have contacted them twice and had my card company XXXX XXXX dispute the charge. Experian told them it's a valid charge, but told me. that are not taking it out.

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 2023-05-10
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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 6th 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 an alleged fraud or extortion. 
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 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 2021-02-18
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The agent failed to identify themselves as a debt collecter, and would not provide contact information about the company. They gave me the run around and would not supply me the name of the company, nor a contact phone number. 

After speaking in circles the agent, XXXX XXXX, let it slip that they worked for Allied Interstate, LLc. 

The phone call took place XXXX CST and lasted 13 min and 39 seconds before the agent hung up on 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 explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3900.00}

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 non-monetary relief
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to bring to your attention the violations of USC that I previously highlighted in my letter dated XX/XX/XXXX. It has come to my attention that more than 30 days have passed since my initial correspondence, which exceeds the time frame required for you to investigate as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ). Your lack of response in this matter leads me to believe that the information in question is unverifiable. Consequently, I demand the immediate deletion of the following accounts from my credit file : XXXX - XX/XX/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  XX/XX/XXXX I want to make it explicitly clear that I did not authorize any person associated with these companies to access or view my credit report. Furthermore, I did not provide consent to the Credit Reporting Agency, including your company, to include this information in my credit report. These actions not only violate the provisions of the Credit Reporting Act Section 1681b ( c ) but also constitute fraudulent activity and a severe breach of my privacy rights. 
Therefore, I formally request that you delete the aforementioned information with the companies in question and provide me with copies of any documentation related to these accounts that bear my signature as proof of authorization for the credit inquiries. Additionally, I demand that as the Credit Reporting Agency, you produce a contract between us, the consumer, which contains my signature and demonstrates that I granted you permission to disclose any information on my behalf. In the absence of such documentation bearing my signature, I hereby request that these fraudulent inquiries be promptly removed from the credit file associated with my Social Security number, which you maintain. 
Please be advised that you have a period of 15 days, as per the Fair Credit Reporting Act Section 611, to produce the requested contract and complete the investigation. Failure to comply within the specified timeframe will be considered a violation of the law. Attached you will see the original Dispute I have also attached a cfpb complaint along with a FTC complaint. 

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX Account : : : XXXX XXXX Bank # XXXX XX/XX/XXXX ... {$3000.00} XXXX XXXX  Bank XXXX XXXX XX/XX/XXXX .... {$640.00} XXXX XXXX XXXX XXXX # XXXX / XX/XX/XXXX ... {$320.00} XXXX # XXXX XX/XX/XXXX .... {$410.00} XXXX # XXXX XX/XX/XXXX XXXX. {$340.00} XXXX XXXX # XXXX XXXX XXXX {$130.00} I have reached out to the compaines and they still have not corrected the issue. 


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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-21
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a letter dated XX/XX/XXXX from my mortgage servicer : Guild Mortgage that my last forbearance request has been denied. I had mentioned in my correspondence with them I believe their decision is in violation of the federal law. 

XXXX. I requested forbearance in XX/XX/XXXX due to COVID-XXXX circumstances which has been approved by Guild Mortgage , however because my loan has been prepaid back in XXXX on a monthly basis, Guild Mortgage continued to apply my prepaid monthly mortgage payments until XX/XX/XXXX. 

XXXX. In XX/XX/XXXX, Guild Mortgage sent me a forbearance letter and has granted the forbearance until XX/XX/XXXX in total. 

XXXX. In XX/XX/XXXX, I applied for a forbearance extension as I am entitled to XXXX months of forbearance due to initial request date of XX/XX/XXXX, and because I have an FHA loan. 

XXXX. On XX/XX/XXXX, Guild Mortgage refused to extend the forbearance in violation of Federal  Law governing COVID-XXXX related forbearances and FHA loans XXXX 

XXXX. I have contacted HUD certified loan counselor who confirmed that Guild Mortgage acts in violation of Federal Law. In addition, I was advised by HUD certified loan counselor, the mortgage payments paid during the forbearance was supposed to be applied to an escrow account, as per HUD regulations. They weren't. 

XXXX. I asked Guild Mortgage XXXX  to look into my request to extend forbearance to comply with the Federal Law. In case of continuing denial, I advised Guild Mortgage I would be filing a complaint for investigation with the Consumer Financial Protection Bureau which has jurisdiction over COVID-XXXX forbearance compliance with the mortgage lenders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation