BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I previously filed a complaint with the XXXX ( see attached ). On XX/XX/14.2019, I received a response from each of the Credit Reporting bureaus indicating that they had verified the Public Record, however they did not verify the record with the source of the Public Record. Rather, they indicated that they verified the record using a, unrelated 3rd party, such as XXXX. 

I find this impossible, as I have previously provided them a letter from XXXX indicating that this Public Record had been removed from their file more than a year ago. 

On XX/XX/2019 I sent the a Certified Letter ( See Attached ) to each reporting agency providing complete detail that I do not believe their method for verification complies with FCRA 611 ( a ) ( 6 ) ( B ( iii ). Included in this letter is a duplicate copy of the letter from XXXX confirming that no such record exists in their files. 

I further requested that they actually verify the Public Record with the USBK COURT XXXX   FLORIDA as that who they claim to be reporting the record. As provided in FCRA 611 ( a ) ( 6 ) ( B ( iii ), I asked them to provide : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If they are unable to verify this record DIRECTLY with the Creditor they claim as the reporting party, I demand that they immediately removed this record from my file. If they again claim to have verified the public record, I insist that it not be with any unrelated 3rd parties and that they provide the details of the verification as described above

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Chime Financial Inc
State: OH
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
The debit company is using a split for money for the money to get for personal use and caught be me with my accounts and not the card I use to my understanding has value on it to become used on reported to statements because of an stolen ssi check. And the amount is weirdly wired to take some money and checking paperwork. That's sent and not the entitlement. But I get my check on the chime card I can't read. The problem is repetitive with retaining bank money in big banks and representative payees '. But the checks in 2022 goes to XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: TX
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:
I am a victim of XXXX XXXX  and I did not open these accounts ( XXXX, # XXXX ). I requested that XXXX XXXX XXXX XXXX remove these accounts from my credit report. I also requested that XXXX XXXX XXXX strong stop reporting information to the credit bureaus on my behalf because I did not give my written permission for any information to be shared on my behalf. 

Enclosed is a copy of my XXXX XXXX  Report number : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account ( XXXX, # XXXX ) XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
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:
It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
Company: MOHELA
State: OH
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:
On XX/XX/2023 Mohela sent me a message that my auto-pay would debited in XX/XX/2023. However, they never sent me a billing statement. Per their own conditions of the resuming of payments, billing statements were supposed to be sent at least 3 weeks before the payment is due. I contacted them and am being told that because I'm on auto-pay I won't receive a billing statement, I will only receive a notification of when my auto-debit will occur. This is nowhere in their terms and conditions and is completely unacceptable. They should not be debiting money when they refuse to send a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Request for Correction of Inaccuracies on TransUnion Credit Report Dear transunion I hope this message finds you well. I am writing to bring to your attention several inaccuracies that I have identified on my TransUnion credit report, which I recently reviewed. These inaccuracies have the potential to expose me to identity theft and financial harm, and I am seeking your assistance in rectifying this matter. 

Upon reviewing my TransUnion credit report, I noticed discrepancies that require immediate attention. Firstly, the report indicates an address in XXXX, a place I have never lived in or had any association with. This incorrect address could potentially lead to further complications and negatively impact my creditworthiness. 

Additionally, I was unfortunate enough to fall victim to the coronavirus benefits and scams that were prevalent during the pandemic. This fraudulent activity may have resulted in inaccuracies on my credit report, further exacerbating the situation. 

I kindly request your assistance in clarifying and rectifying these inaccuracies on my TransUnion credit report. It is crucial to me that my credit history accurately reflects my financial standing. I believe that by addressing these issues promptly, I can work towards restoring my credit to a good standard. 

Please let me know the necessary steps and documentation required to initiate this process. Your guidance and support in this matter are greatly appreciated. I am committed to cooperating fully to ensure the accuracy and integrity of my credit report. 

Thank you for your prompt attention to this matter. I look forward to your guidance on how to proceed and resolve these discrepancies. 

Sincerely, 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 2023-06-15
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX in XXXX, TX fraudulently opened up an an account under my name without my knowledge. 

My husband opened an account with my children in which a card is on file and autopay is set up. When the account was opened he asked me on a call if I would like to join and I declined. 

The manager got my name during the process and opened up an account under my name separately to receive a commission for opening the account. 

The new ownership of XXXX admitted to me and my husband that they can see there is no signature from me or paperwork that has my signature. The new owners also admitted this same situation has happened to several other customers. 

The account was unpaid as I was unaware it had been opened. I have never used that facility at anytime or spoken to anyone prior to seeing the collection on my credit report. 

Aldous and Associates has collected the debt and is reporting on my credit report. 

I have spoken to the debt collector and XXXXXXXX  XXXX XXXX about this issue. The manager has been unhelpful stating this happened under previous management and they have no knowledge. Aldous and Associates has said I need to file a report. 

The manager at XXXX XXXX XXXX XXXX TX has not bothered to follow up with me. 

I have a perfect payment history on my credit report. I attended a Spin facility in which I have automatic payments set up. 

The account at XXXX was set up fraudulently under my name. I need help getting this removed as soon as possible. It is taking my credit score down XXXX points. 

I am also contacting you to alert you that other customers at XXXX, XXXX have also had this happen to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Filed dispute secondary to identify theft/someone elses mixed accounts with my account by Transunion. Trans Union failed to investigate. Filed FTC report on accounts : XXXX. XXXX  reporting XXXX accounts Since they have a completely different name and Social Security number XXXX. XXXX XXXX XXXX XXXX XXXX they have a completely different name and Social Security number XXXX. XXXX XXXX XXXXXXXX. States they have a completely different name and Social Security number These are fraudulent accounts and Not only did Trans Union fail to investigate but they allowed these to be illegally reported and remain on my credit bureau even after Error and Identity Theft had been established by them.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I recently came across an article regarding Wells Fargo and how they defrauded consumers regarding their mortgage and I wanted to make sure my foreclosure ( case ) was included. 

I purchased a home in XXXX of XXXX in the city of XXXX Texas and Wells Fargo was who handled my loan a few years later I lost my job and was unable to make my payments. About XXXX  months later I returned to work and contacted Wells Fargo to work with me on a modification to my mortgage. They refused to work with me and told me my only option was to pay the overdue amount in full which was greater than XXXX} at that time. Unable to come up with that sun of money I had no option but to leave my home and Wells Fargo foreclosed on my home. 

Needless to say I had to suffer the aftermath of having a foreclosure on my credit for years and unable to buy a new home. 

Now with the news of Wells Fargo being found guilty of malpractice I feel like I was a direct visit run of these practices. Please see if I am due any monies due to their handling of my mortgage account. 

Please note I no longer live at this home and this account was foreclosed on in XXXX. I no longer have the loan or account number. I can provide my social security number if needed. I did provide the home address so I simple search should locate this account. 

For any additional info please contact me. 

Thank you for your time!

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 2021-09-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 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 Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: MI
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 XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2014 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$1600.00}.

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 2023-06-15
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Our account with Venmo has been suspended and they keep giving us the runaround. We cant access our payment from a customer and Venmo wont do anything to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I submitted an FTC Identity Theft Report # XXXX on XX/XX/2021. I sent a copy of my FTC report, an identity verification document, as well as a cover letter with my current address and all of the information that is fraudulently on my report to Equifax Information Services LLC ( all supporting documents are attached below ). This report along with all other information listed in the attachments below were sent certified mail to Equifax on XX/XX/2021, and was received by them on XX/XX/2021. There are accounts, addresses, inquires, and employers listed on my credit report that are fraudulent, have ruined my reputation, and have hindered me from obtaining certain goods and services to support my family. Pursuant of the Fair Credit Reporting Act, section 605B, Equifax is required to block the fraudulent information on my credit report resulting from identity theft within four business days of receipt and to promptly notify the furnisher ( s ) of that information.I spoke on the phone with a representative of Equifax who, after verifying my identity and acknowledging receipt of my FTC report, stated that the addresses and inquires would be removed, however the fraudulent accounts would not be removed until an investigation was completed. I also received a letter in the mail from Equifax ( EXHIBIT A attached below ) stating they could not find my credit file in their system with the information I provided- which is contrary to what I was told by their representative over the phone. In the same envelope was another letter ( EXHIBIT B attached below ) from them stating they will not be blocking any information in my credit file, although the previous letter stated they could not identify my credit file. Equifax has violated my rights and federal law with their unscrupulous business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: MOHELA
State: IN
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 began researching forgiveness options through XXXX once XXXX of my loans reached XXXX payments. I applied for forgiveness for those XXXX loans but during that process, I learned that if I had consolidated, I would have all XXXX of my loans forgiven with that same payment count. I did not learn this from my loan provider nor the student financial aid website. I learned this through XXXX. I did research and found out. This is actually true, but the information is not put out there. I attempted to consolidate all XXXX loans prior to the forgiveness going through on the XXXX loans, unfortunately my XXXX loans were forgiven before the consolidation was completed. Now I am left with XXXX loans that could have been forgiven in XXXX with all the others. They now still have XXXX years left on them. This is unfair because right now borrowers are constantly steered away from consolidating if they are on the XXXX program. We are told that our payment counts would start over and the student financial aid website even gives a huge disclaimer warning when consolidating. If XXXX XXXX misled, I would have forgiveness and no more paying student loans. This is very unfair. After reading the article posted by consumer finance, I realize I am in XXXX of many who are facing the same situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
" See if you're approved for XXXX XXXX without impact to your credit score. '' Got this from Experian who I thought was my custodian for my credit rating. 

I applied and my FICO score was IMPACTED! 

Contact XXXX XXXX but no reply.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the Credit Bureaus to correct this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. It was already included in my prior complaint and I'm including them again. 

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