BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX  Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on TransUnion Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry on TransUnion Credit Report XXXX XXXX XXXX XXXX  XXXX Unauthorized Inquiry on XXXX Credit Report XXXX XXXX XXXX  Unauthorized Inquiry on TransUnion Credit Report XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX  Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on TransUnion Credit Report On XXXX XXXX the following companies had Unautorized Inquiries Reported on TransUnion Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  On XXXX XXXX the following companies had Unauthorized Inquiries Reported on TransUnion Credit Report : 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 2020-09-05
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, notified by the company Transunion that they have received my information and my dispute letter, but unfortunately, they could not investigate it since they think it was not properly authorized by me and they think it was by a credit repair company. 
I have been dealing with the same mf issue with that Bureau for a couple of months now and I am really starting to get XXXX tf off because my RIGHTS as a consumer are being played around with. How is it within my own rights to challenge anything I think is inaccurate but there is always an issue and then I get the letter with the same response? Please find a way to fix this and help me out for real. Thank you so much.

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 2022-05-03
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Recently I have started going over my credit report. I noticed some incorrect addresses and phone number. I reached out to all XXXX credit agencies, I sent in my drivers license with my address on it, a current utility bill with my address and a letter with all the incorrect addresses. I got no response. though a credit monitoring app I use, I saw that my new address was updated but they did not remove ANY of the information that was incorrect. I sent a 2nd letter and realized I could file a complaint via the CFPB. The incorrect information while small all add up and are affecting my credit score in a negative manner.The received the 2nd letter XX/XX/2022 track # XXXX and added the new address XX/XX/2022 but again nothing with the incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TO WHOM IT MAY CONCERN : In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts if it isn't reporting correctly. Also. 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: MIDFIRST BANK
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested for a Covid-19 Loan Modification with the servicer. The servicer approved the Covid -19 Loan Modification but did not give me the required 14 days to review and return the Loan modification documentation. I then called the servicer after realizing that i the payments were going to be to much and the servicer told me that due to the rising interest rates my mortgage payments would be higher. I asked the servicer if i could get the partial claim modification and the sericer told me no. I then told the servicer that i was not given the required 14 day as allowed by law to review and return the documentataion and the servicer said that i had until XX/XX/XXXX to return the documents along with the first two payments. I then told the servicer that i would do that after i reviewed the documents. XXXX days later i received in the mail a Notice of Denial due to my refusal of the offer. I never denied any offer of the Covid 19 Loan Modification. After reviewing my account with the servicer on the servicers website i found that the servicer put me on a repayment plan that i did not agree to nor did i sign a contract to repay XXXX. I thought that was the whole point for the Covid-19 Loan Modification Plan was to reduce the mortgage payment. When i did finally get off from work to get the documents notorized and signed i find out that the servicer has my wife`s name wrong on the documents and as a result i could not get the documents notarized due to the servicers error. After several emails and phone calls to the servicer i am still no closer to getting the correct documents from the servicer and i am still on a plan that i did not agree to nor can i afford. After reading the Loan modification documents i found that mortgage payments have not been applied to my mortgage by the privious mortgage servicer nor by this servicer after the mortgage was transferred to this new servicer. I sent to the servicer a Quilified Written Request XXXX weeks ago and still i have heard nothing. This is a violation of law. The servicer is suppose to acknowlegde that they recived my QWR within five days. The servicer has not acknowledged this. Can you help me get a Covid 19 Loan Modification from this servicer i can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 2018-04-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I retired and PurchaSE MY HOME for my Primary Retirement living. I have been living in my home as of XX/XX/XXXX. MY MORTGAGE CARRIER WAS AMERICAS SERVICING COMPANY CONTINUALLY UNTIL XX/XX/XXXX I RECEIVED A LETTER FROM WELLS FARGO ADRESSED AS A RECAST AGREEMENT AND THAT MY MORTGAGE WILL NO LONGER BE WITH AMERICAS SERVICING COMPANY BUT WILL BE UNDER THEM. 
A BREAKDOWN PAYMENT TABLE WAS DONE FOR FUTURE PAYMENTS. STARTING XX/XX/XXXX AND CONTINUALLY THROUGH THE TERM OF MY MORTGAGE. 
MY INCOME AFTER RETIREMENT ARE AS FOLLOWS. ON THE FIRST OF EACH MONTH MY PENSION WILL BE SENT TO MY ACCOUNT AT MY BANK AND THEY WILL FORWARD MY MORTGAGE TO THE CARRIER. EVERY THIRD WEDNESDAY OF EVERY MONTH MY SOCIAL SECURITY WILL FOLLOW. 
IN XX/XX/XXXX I RECEIVED A LETTER FROM WELLS FARGO THAT MY MORTGAGE WAS DUE. I CONTACT THE BANK THEY HAVE IN XXXX XXXX TO SPEAK TO A MORTGAGE MNGR OF WHICH THEY WERE NONE SO I SPOKE TO A STAFF WORKER AND GAVE HER THE DOCUMENTS OF MY PAYMENT.AT WHICH I WAS INFORMED NO STAFF COULD HELP SO THEY MADE COPIES AND SEND SUCH TO THERE RESOLUTION DEPARTMENT. 
I WAS CONTACTED AT HOME ABOUT TWO WEEKS LATER AND TOLD AFTER CHECKING MY INFORMATION THE PAYMENT WAS MADE SO DON'T WORRY. 
I NOW RELAX BECAUSE THE PAYMENT WILL BE MADE ON THE FIRST OF EACH MONTH FROM MY PENSION BY MY BANK. AFTER A FEW MONTHS I AM NOW CONTACTED BY MY BANK THAT ELECTRONIC CHECKS ARE BEEN SENT FOR PAYMENT IN THE AMOUNT OF {$740.00} FOR MY MORTGAGE. 
I INFORM THE BANK THAT THEY ARE NOW MY CARRIER BUT SHOULD NOT BE TAKING ANY PAYMENT FOR MORTGAGE OUT OF MY SOCIAL SECURITY AFTER RECEIVING THE MORTGAGE ON THE XX/XX/XXXX OF EACH MONTH ALREADY. 
IT BECOMES A NIGHT MARE WELLS FARGO HAVE NOW BEEN TAKEN MY SOCIAL SECURITY ALL OF XX/XX/XXXX AND IN XXXX AND XX/XX/XXXX. i WENT TO THE SOCIAL SECURITY OFFICE AND NOW COMPLAIN BECAUSE I RECEIVED NO PAYMENT FOR XXXX AND XXXX. THEY NOW CHECK AND MAKE A NEW ARRANGEMENT FOR ME TO BE COMPENSATED AND HELP ME TO FILE A COMPLAIN MOST OF ALL MAKE SURE I AM FULLY REFUNDED FOR MY LOSS. 
I WANT AND WILL ONLY SETTLED FOR FULL PAYMENT OF ALL MY MONEY STOLEN BY WELLS FARGO TO BE PAID BACK TO ME IN FULL. 

THANK YOU VERY MUCH FOR GIVING ME THIS TIME. 
I WILL HAVE DOCUMENT AND COPIES SENT TO YOU VERY SOON.

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: 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:
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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$7800.00}

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 2021-09-27
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive multiple phone calls every single day that are robo / recorded messages and I am unable to tell them to stop calling me or remove me from their list. I have already attempted to place myself on a no call list, but if I am on it I am not being respected. These calls often spoof area codes similar to mine even though I do not live in that area code anymore, so I know they're fake. Another one that is common is " Credence '' with an XXXX, Tx area code.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I filed a dispute with TransUnion on XX/XX/XXXX regarding inaccuracies within my credit report. they remove the collections account but they did not address the hard inquiries I put in my dispute. The credit report contains credit inquiries that I did not make. The FCRA states that the only permissible purpose for pulling someone's credit for : 1. Firm offer of credit 2. Insurance 3. Employment 4. Court order The Following credit inquiries are related to none of the aforementioned permissible XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) I would like these four credit inquiries to be removed from my credit report and to be sent an updated copy once these have been removed.

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 2022-08-08
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My name is XXXX XXXX. I am submitting this on my own behalf, there is no third party involved. 
I have previously contacted Goldman Sachs Bank in relation to validation an alleged debt which they have not done pursuant to 15 USC 1692g laws. I have subitted a previous complaint with the CFPB regarding this issue ( complaint ID : XXXX ) In addition to refusing to lawfully validate the alleged debt, they are in violation of 15 USC 1666 ( b ) ( 2 ) " a billing error consists of any of the following : ... A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. '' I requested documentary evidence proving the alleged debt was mine and Goldman Sachs Bank refused. 

I sent them a notice that I, a federally protected consumer, believed that the statement contained a billing error and the amount of such billing error, and set forth the reasons for my belief that the statement contained a billing error. 

Pursuant to 15 USC 1666a, Goldman Sachs Bank may not directly or indirectly threaten to report to any person adversely on the consumer 's credit rating or credit standing because of the consumer 's failure to pay the amount indicated and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of sending a written acknowledgment ( which Goldman Sachs did not do ), and make appropriate changes to the account in which the billing errors occurred. 

Goldman Sachs is negatively reporting on my consumer credit report, in addition to not following the requirements of due-process in regards to 15 USC 1666 AND additionally has not verified the alleged debt in the first place pursuant to 15 USC 1692g as previously requested. 

a copy of this CFPB complaint has also been sent to the Florida Attorney General 's office and the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
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: Investigation took more than 30 days

Complaint:
XXXX XXXX Equifax are in violation According to 15 USC 1681i, XXXX and Equifax shall, 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. They have inaccurate and inconsistent information and as well Equifax is reporting the account twice while XXXX has the account with no account number and has the account status as an OPEN account as well as an CLOSED ACCOUNT. They are in violation evidence provided below for US DEPT OF EDU Acct # XXXX & XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: Account information incorrect

Complaint:
I contacted Transunion through the phone on XX/XX/2022 and I've also sent letters in regards to incorrect information on my account. Per 15 U.S.C. 1681, all credit reporting agencies should report the same, accurate information all across the board. I am not sure where TransUnion is getting false information that's on my credit report. I am requesting that an investigation be done, as per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681-1681x ). I am requesting that TransUnion report the same information that XXXX XXXX XXXX has. For example, TransUnion has report that I have a total of 20 opened accounts while Equifax report that I have a total of 9 accounts.

I am requesting that TransUnion report accurately per FCRA law ( 15 U.S.C. 1681 ).

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 2022-12-06
Company: EQUIFAX, 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:
THESE INQUIRIES ARE FRAUDULENT, I NEVER APPLIED FOR THESE ACCOUNTS ON THESE DATES, MY INFORMATION MIGHT HAVE BEEN IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation