BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: TX
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:
**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX, XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting late payments. Equifax has it as 60 days late consecutively on from XXXX to XX/XX/XXXX and XX/XX/XXXX. It is impossible for that to be accurate a month is 30 days not 60, why are you all telling the public that I am 60 days late for 5 months? You are literally hurting twice as much as possible. And worst is that I was never late! XXXX has it as 3 30 day late payments. They are not even consistent with what they report to you all. They can not be trusted to be fair and accurate as FCRA requires. Please see the attachments. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have paid off the balance on this account and this record needs to be deleted because its clear that this creditor is not committed to following the consumer protection laws regarding their reporting. You keep following what they say instead of deleting this as the law requires. You all keep saying things are verified then I dispute showing incorrect information then you all update things. You all need to delete this record. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. They are not supposed to even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting loop going is just wrong and illegal. I am suffering because your personnel or the systems they use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights! Just delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
As of XXXX XXXX XXXX I recieved a correspondance from transunion regarding the results of the investigation file number XXXX XXXX, Upon carefully looking at the report i noticed that the investigations results regarding in anledged bankruptcy report XXXX XXXX XXXX Indiana XXXX # XXXX. Transunion is stating that they verified is accurate on a previous dispute I included a letter from the bankruptcy court stating that the court and the clerk does not sell or provide the information that is considered under the fair credit reporting act 15USC1681 I have a right to privacy and they have not contained consent as requied the fair credit reporting act to publish personal information under 15USC code 1681e compliance procedures section b the accuracy of the report states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. In 15USC 1681 section 602 states Congressional Findings and statement of purpose 15 USC 1681. a. ) Accuracy of fairness of credit reporting The congress makes the following findings. section 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilties with fairness, impartiallty, and respect for the consumer 's right to privacy. Under section e the term investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a crditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. In the same report i recieved investigation results regarding XXXX XXXX XXXX finance account number XXXX I previously disputed some late payments that is being reported by XXXX XXXX. Transunion has failed to conduct a proper investigation regarding the accuracy of the late payments. 15 USC 1666b timing of payments the late payments are being recored by XXXX XXXX XXXX XXXX  is incorrect and must be deleted immediately.

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 2021-12-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore Loan Management has certified figures as correct & true to the NJ courts, while helping secure a Final Judgment. However it is clear they used CREATIVE Accounting and used made up figures and wrong dates. This Foreclosure complaint is wrong from the start to the present & new recent evidence leads us to strongly believe that fraud has also been committed to secure a Final Judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: GA
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:
inacocordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX usc XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights . 

XXXX u, XXXX XXXX section XXXX A. states i have rights to privacy. 

XXXX u, XXXX XXXX section XXXX A. section XXXX ; it also states a consumer reporting agency can not furnish a account with out my written instuctions. 

XXXX u, s.c XXXX ( a ) ( XXXX ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates to the report by more than seven years XXXX u, XXXX XXXX ( a ) ( XXXX ) 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 explanation
Consumer complaint received 2022-09-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
WAKEFIELD & ASSOCIATES ( creditor : XXXX XXXX XXXX XXXX ) has attached a collection fee/interest rate toward the debt of {$810.00} they state is in my name. The original debt started at {$710.00} and after fees has increased to {$810.00}. Attaching this fee to the debt is ILLEGAL and a direct VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). This debt of {$810.00} MUST BE DISPUTED AND DELETED FROM MY CREDIT REPORT. I will be suing if this debt is not disputed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to Wells Fargo around XX/XX/XXXX  to make a deposit at your Wells Fargo branch on XXXX XXXX, in XXXX, Georgia. I put my card in the ATM machine and put in my pin... it then popped out and said Invalid Pin. I then hit cancel, took my card out and put my it back in again put my pin in again. As soon as I pressed deposit, the screen blinked and said OVERDRAFT. Then suddenly my card came out and it printed OVERDRAFT. The OVERDRAFT was XXXX. Account ended in XXXX I had in my account XXXX. A few moments later I called the Wells Fargo XXXX number and told them what happened. They stated they would look into what happened and issue me a new card ( they have done that ). On the next day, which was a Saturday, I went into the branch and told them the exact same thing. I also told them that they needed to check the ATM window outside where people withdraw their monies. The Customer Service Agent inside told me that they have nothing to do with the ATM machines outside because they were owned by another company. AND, I was also told that since I had already contact the XXXX number there was nothing else they could do. They printed me my Account History. 

The agent that took my information was quite " nasty '' to say the least, saying things like UMMM! Yea! As if she did not believe me. Why would I take my own money out and and an additional 100.00 when I have several other bank accounts. Later, I was sent a letter telling me the matter was closed and Wells Fargo doesn't owe me any monie

s. I
called Wells Fargo AGAIN and told them the same thing that I had told the other agent earlier. She took down more information, however, I have not heard from them in almost two weeks.

On another occasion the same thing happened, and they texted me about it, but minutes later the money was put back into my account. However, I was not at the bank this time. They just TEXTED my phone number. 

Wells Fargo has been on the news several times in the past few months with happenings such as this. 

They have turned me down twice and want ME TO PAY them an EXTRA {$100.00} and they would waive the overdraft fees of {$35.00} as a courtesy to me. REALLY!! 

I can send you the emails that they have sent me if you would like me to

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 monetary relief
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Trans Union is falsely reporting information on 2 student loan accounts that have been dismissed via a class action law suit against the XXXX XXXX XXXX XXXX XXXX which was recently won by Plaintiffs.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-24
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX of XXXX, I purchased/leased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due too unforseen factors i was not able to obtain insurance of the vehicle due to my driving record. I notified the lender and they held to the original agreement of provide insurance or one will be provided and added to the loan. Since owning the vehicle you the lender has now added in the area of {$7000.00} + of collateral damage fees. The loan is a 10 year loan. I will be eligible to insure and the end of they year of XXXX per my broker. I am a responsible borrower and i do not have any negative impacts on my report, they have tried to waive numerous tine with no success but continue to stack on ridiculously amounts of collateral chargers. 

I have even asked to waive all fees to allow me to get back to my i original balance so i can pay off and take my buisness else where but with no success on their end,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-07
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: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In 2008, I was doing web design. I checked my account balance and it was zero. I found that my XXXX XXXX had been hacked and my funds had been used to purchase multiple copies of XXXX anti-virus protection. I went to my bank as soon as it opened, and sat with an employee who I told I needed my debit card cancelled, my XXXX XXXX disconnected and my account put on credit only status... She assured me these things had been completed. 

I was now receiving payment for my work via an XXXX XXXX. About two weeks later I did a small change for a XXXXXXXX XXXX site. They could not pay me via XXXXXXXX XXXX  so I billed them via my XXXX XXXX.. I checked to see if the payment was there ( Just {$35.00} ), not only was it gone, once again my XXXX account was drained and I was charged {$800.00} in overdraft fees. 

I went to my bank and inquired how this could happen, considering the precautions I had taken. They asked what I would like them to do for me, I said, I would like you to make it right, it was your fault if my precautions had not been executed. They said " We are sorry XXXX XXXX, there is nothing we can do for you. '' At the time of this fiasco, XXXX was being absorbed by Wells Fargo. 

I lost my apartment, my job, and my web design business. I have been homeless since.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2500.00}

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 2023-05-29
Company: EQUIFAX, INC.
State: OH
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:
n accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$3000.00} Reported balance Credit limit {$2500.00} XXXX  XXXX Last reported XX/XX/2023 $ XXXXReported balanceCredit limit {$3000.00} XXXX XXXX XXXX Last reported XX/XX/2023 {$570.00} Open balance XXXXXXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/2023 {$710.00} Open balance {$750.00} 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 non-monetary relief
Consumer complaint received 2023-07-03
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID so you can see my signature. I do not own this account I am a XXXX from XXXX I do not own any money on any accounts to anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft all 3 credit bureaus was notified and another accounts and inquiries was added to my credit report that was not me. these accounts are my police report XXXX account opened XX/XX/XXXX XXXX account opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX Hard Inquiries 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Resurgent Capital Services L.P.
State: PA
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 sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with explanation