BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-22
Company: The Thomas Agency, 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: Was not notified of investigation status or results

Complaint:
I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX  did their part and either updated or deleted where XXXX  has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and XXXX  on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX-XXXX  on account # XXXX original creditor XXXX XXXX who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. XXXX  is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under Thomas Agency. They violating Fair credit reporting act and should be held accountable

Company response to consumer: Untimely response
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
YOU BROKE THE LAW! To Whom It May Concern : I would like to say. that TransUnion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may Furnish a consumer report in accordance with the written instructions of the consumer. I the consumer living person never gave TransUnion any written consent to report anything on my consumer report. No consent is identity theft. I have listed the accounts below and I demand you remove these inaccuracies of my consumer report. If they are not removed I will not extend my credit to anyone or allow TransUnion to furnish my report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to ben furnished on my consumer report it has caused me to lose confidence in the banking system. If TransUnion wants to continue doing business with me, it should delete the inaccuracies off of my consumer report below immediately. XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX AXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Cease and Desist from reporting these accounts on my consumer reports now and one hundred years from XX/XX/2022. Sincerily, 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 2023-12-19
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:
It should be known that due to a data breach from XXXX XXXX XXXX  my personal info. Was obtained and attempted to be used for fraudulent intentions. Due to data breach, I was subjected to identity theft where some unknown person tried to apply for credit in my name. As of now no accounts were opened and only hard inquiries are a result from data breach and identity theft. I have contacted most of the companies about the hard inquiries and was told to contact the credit bureaus. The credit bureaus assert to contact the companies. All are passing the buck. A letter from XXXX XXXX XXXX is incorporated as to the data breach. A copy of poli XXXX report is herein included for review. Finally, a identity theft report from the Federal Trade Commission is also included for review. All procedures have been properly followed and the consumer request that all bureaus remove said inquiries due to data breach and identity theft because he did not authorize them and is suffering adverse affects from them. Under federal law, the bureaus are required to remove or block them within 4 days. There are 3 hard inquiries at XXXX. There are 6 hard inquiries at XXXX. Finally, there are 6 hard inquiries at Experian. Only XXXX is to remain with Experian. The consumers full name is XXXX XXXX and his d.o.b. is XX/XX/. The last 4 of his social security number is 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  Account Number : XXXX and Account Number : XXXX is reporting to my consumer report as charged off accounts. A charge off is considered a certificate of indebtedness which means IT IS income. Income can not be reported. These accounts must be removed from my consumer report per IRS Publication XXXX ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. 
See https : XXXX This is a violation of my Federally protected consumer rights under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING

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 2019-08-22
Company: Hillcrest Davidson & Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
hi i contacted the company that i had service with because they turned my service off and took the equipment back because they refused to update my credit card there because my old one expired there and i reach out to there billing dept they said ya sure we will update it there and also fix it then they never did but reported it to a collection company saying i would never pay it off but my answer and request to them was the same thing i told the other company and both places refuse to update my request there so im trying to move forward with help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Ive checked my credit report recently and noticed unauthorized inquiries on my report.

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 2023-11-28
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited my check on Friday, XX/XX/XXXX, and inquired about the availability of full funds from Navy Federal Credit Union. They informed me it would be available by XX/XX/XXXX. However, upon checking my account, I found that {$670.00} of my total deposit of {$890.00} is being delayed due to a precautionary measure. The delay is based on the bank 's reasonable cause to believe that the check may be uncollectible from the paying bank, supported by confidential information. 

The notification assures that if the paying bank honors the check, I can expect to receive the funds within 5 business days. The message acknowledges the inconvenience and expresses apologies, emphasizing the security of my account as their top priority. 

For inquiries, I can call toll-free at XXXX or send a secure message through online banking at navyfederal.org. Written correspondence can be directed to Navy Federal Credit Union, XXXX XXXX  XXXX, XXXX, VA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans were consolidated in XX/XX/XXXX ( some loans paid in full at that point ) and the remaining loans forgiven XX/XX/XXXX so my current XXXX  loan balance is XXXX. Mohela, my loan servicer, still has the XXXX loans that were paid in full in XXXX, on their account/dashboard and are requesting payment although my loans have been forgiven through the XXXX program earlier this year. I have tried for 2 months through Mohela ( written and phone complaints ) and XXXX  complaint ( closed no help ) and they are still on the account, balance of {$240000.00}. XXXX  has my loans balance at XXXX for all loans. Please help. ( I attached a copy of the XXXX zero and paid accounts for my student loans as attachment ).

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I contacted this company numerous times to report unknown and inaccurate accounts and they violated my rights.

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 2021-07-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
VIA USPS CERTIFIED MAIL # XXXX XX/XX/XXXX CARD SERVICES XXXX XXXX XXXX XXXX DE XXXX Extra Points Mastercard ... XXXX This correspondence serves as an official and final notice to XXXX in regards to the above refenced account. 


FACTUAL BACKGROUND TO THE MATTERS. 

1. XXXX neglected and consequently failed to inform and deliver account related incoming transaction alerts or awareness to XXXX XXXX via timely mobile text messaging or any other timely communication means. 

2. XXXX has not made XXXX XXXX aware of transaction submission accordingly with the Terms and Conditions and agreements, especially regarding very specific incoming charge related to fraudulent transaction submitted by XXXX XXXX XXXX, which action disabled XXXX XXXX from making constructive decision of transaction acceptance or disapproval. 

3. XXXX has not exhibited any required and obligatory actions in regards to XXXX XXXX 's representation in addressed by XXXX XXXX concerns related to the specific transaction dispute with the merchant involved, XXXX XXXX XXXX. 

4. XXXX exhibited far below than originally committed to and expressed less than " convenient '' and virtually absent dispute attempts on XXXX XXXX 's behalf and representation in account management. 

5. XXXX exhibited negligence of commonly adapted statues and declaratory practices within regulations established in consumer representation process. 

6. XXXX further exhibited lack of professional and respectful account management manners. 

7. XXXX negligent performance provoked XXXX XXXX to close responsibly managed account by XXXX XXXX since XXXX. 

8. XXXX inappropriately reported account related alleged charges to credit bureaus which is damaging XXXX XXXX 's credit score/history. 

9. XXXX ignored XXXX XXXX 's request to discontinue any further process to already closed account related activities. 

10. XXXX displayed discriminatory practices related to the owner of the account XXXX XXXX by negligence in efficient communication via customer service personnel. 


PLEASE TAKE NOTICE that is demanded herein that all account alleged charges, interest charges, late fees and other charges to be dismissed immediately. 



PLEASE TAKE FURTHER NOTICE that is also demanded herein that all account related derogatory charges to be released from the records at ALL credit reporting agencies. 



PLEASE TAKE FURTHER NOTICE that is also demanded herein that clerks that are not correctly vocabularied or not to well versed discontinue any further contacts with XXXX XXXX via telephone. 



PLEASE TAKE FURTHER NOTICE that request is made to CEASE AND DESIST all further XXXX actions impairing XXXX XXXX 's professional and personal status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: WELLS FARGO & COMPANY
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I sent a request to WELLS FARGO to validate my auto contract on XX/XX/XXXX. Along with this request was a copy of my original auto contract in its entirety. WELLS FARGO responded to my request with a letter of validation and a few pages from the contract they had on file. The auto contract pages that WELLS FARGO submitted to me, all had fraudulent signatures. Not one of the signatures were my own. This was undeniably evident when compared to the original. I reported this through CFPB and again WELLS FARGO replied with a letter of validation and pages from the fraudulent contract and closed the case. On XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX, a WELLS FARGO rep called me to inquire about a XXXX complaint filed through CFPB. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While I had the rep on the phone, I'd asked him why WELLS FARGO did not acknowledge the fraudulent contract and only replied back with the same pages that are fraudulent. I was told that the only way to address the issue was for me to bring WELLS FARGO to court. I was also informed that my vehicle would be charged off and set for repossession in just a few days ( I had stopped making payments after learning about the fraud with the expectation that WELLS FARGO would remedy this situation in some way in my favor ). The rep strongly encouraged me to call the payments line as soon as I hang up with him to avoid repossession of my vehicle with no regards to the fraudulent contract. I emailed him the next day XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX to review our phone call so that I can have some sort of written confirmation of the information given to me ( call XXXX XXXX ). The auto-response email WELLS FARGO sent states that inquiries would be answered in XXXX business days, it has been XXXX days with no response to my email. Here is what I need to know specifically from WELLS FARGO : 1 ) Is my vehicle in danger of being repossessed? 2 ) Is bringing WELLS FARGO to court my only resolve to having the fraud addressed? If these 2 questions are answered, I can have clarity and have a better understanding of how I need to proceed.

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 2018-12-22
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:
I have been the victim of identity theft someone has been running my credit and trying to open multiple accounts and bank accounts I am going to place a lock on all credit bureaus please place a fraud alert on my credit report asap. The following inquiries are fraudulent and not mine : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2023-08-23
Company: VYSTAR CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX I spoke to the representative XXXX and requested a draft to give to XXXX of XXXX XXXX for the vehicle listed on the Buyers Order. The representative used my account information and SSN to obtain a credit report from the credit reporting agency called XXXX XXXX XXXX. On XX/XX/XXXX I was advised by XXXX that I didnt get approved because my credit score was too low. I was not asked for a copy of my driver license and didnt sign anything because XXXX was entering information in the computer. 
Then on XX/XX/XXXX, XXXX called my cellphone and asked me to call her. When I called XXXX back, she said she may have a way to get me what I requested. She stated she needed me to send a copy of my driver license and to sign my name three times and faxed to her. Instead of faxing my driver license and signature, I drove to Vystar and gave the information in person. XXXX made a copy of my driver license and the three signatures. She said she was speaking to someone and then told me that I was denied because of the low credit score. 
While I in the office with XXXX, I received a notification on my cellphone alerting me that my SSN was used for hard pull on my credit report. I asked XXXX if she ran my SSN again. She told me she didnt see a 2nd hard pull inquiry from XXXX XXXX XXXX stated that they tried to get me financed with XXXX XXXX who is in-house lender they use to try to get an approval when people have a low score. XXXX did not ask for my permission to use XXXX XXXX 
XXXX did not get my permission to run my SSN a second time. Her actions are identity theft because she did not have my permission to use XXXX XXXX  without my authorization XX/XX/XXXX. I did not input my own information and didnt sign an authorization or release of my SSN to be freely run as the representative did. 
I was not advised by XXXX that she was inputting my SSN with XXXX XXXX. I didnt authorize XXXX XXXX my SSN with a third party. XXXX checked the computer and advised that XXXX XXXXXXXX didnt approve my request because of the low credit score. I was denied twice because of a credit store. 
I received a notice dated XX/XX/XXXX which stated, We obtained your credit score from the above referenced consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. 
On, XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX The letter stated they provide insurance to the financial institution to support its lending operations. They were provided information from the consumer reporting agency. 
The letter from XXXX XXXX XXXX confirms this third party was provided my SSN to run a credit report that I did not authorize. I am also aware that I did not request insurance from this third party.

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