BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information. I previously sent letters to TransUnion and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these accounts.

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 2018-10-22
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted copies of Lien Release on my 2nd mortgage via. usps mail, fax and website uploads. There is no justification for such a low credit score at this time. XXXX  continues to re-open or open another dispute before they solve the original dispute. Each time they open a new dispute, they take several weeks to review, then automatically disprove the request, even though I have provided the lien release via. usps mail, fax and uploads. 
I am aware that short sales may stay on your credit from 7 to 10 years. However, I have learned that the impact of short sale on your credit should be much less after 4 years. Since I received a lien release on my 2nd mortgage in XX/XX/XXXX, that released any connection to my first mortgage. 
Regardless of when I sold my home, there is no connection between the 1st and 2nd mortgage after I received the lien release on my 2nd mortgage. XXXX XXXX XXXX should not drag my credit down to less than XXXX. In addition, XXXXXXXX XXXX XXXX account was closed in XX/XX/XXXX and should not be reported 30 days late since the account is closed with no derogatory late payments. 
I have submitted formal complaints to XXXX XXXX XXXX and XXXX XXXX XXXX. They confirmed the issue with incorrect credit reporting is with XXXX   and Experian. My credit score should be well above the XXXX mark at this 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 have several car inquiries on my credit report that does not belong to me. My credit report shows I work at XXXX XXXX which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I received a response from Resurgent, the current owner of LVNV Funding LLC, Reference Id # XXXX in reference to my inquiry regarding the validation and verification of a debt they were trying to collect on. 

The collection agency sent a letter providing verification of the debt in the form of a credit card statement listing the original creditor as XXXX XXXX XXXX. Upon my review, I mailed a rebuttal letter disputing the debt and it's validity, as it does not belong to me and the Account Holder is someone with a similar name. Included with my response by mail, I submitted a copy of my state identification confirming my legal name. 

The collecting agency as indicated via the FCRA should have responded via USPS Mail within 30 days. However, I received a response dated XX/XX/2022 which was a duplicate of the previous verification of debt in the form of a credit card statement. 

I have tried disputing directly with the agency, as well as the XXXXXXXX XXXX XXXX to have the information deleted from my file, as the collecting agency is reporting incorrect information to the credit bureau. However, my attempts have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
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: Reporting company used your report improperly

Complaint:
i reviewed my consumer reports and immediately noticed that i had late payments on accounts they were never late or open on multiple days of the month. Consumer reporting agency have a vital responsibility to report Consumer information the best of their ability with Maximum Accuracy, i have never been late on XXXX XXXX XXXX ACCT # XXXX. Please investigate and proof with statements showing these payments were. If proof cant be provided i demand these payments to be updated to on time as they should be as i was NEVER late. Thank You

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 2023-11-21
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original creditor is XXXX XXXX XXXX XXXXXXXX, Michigan. 
Date of service XX/XX/XXXX  for ambulance service in the amount of XXXX XXXX XXXX XXXX dollars. They claim to have billed XXXX, medicaid, and XXXX XXXX XXXX. The only active policy during this time was XXXX and it has been confirmed that they never received a claim. XXXX XXXX XXXX had already expired and medicaid had not started yet This claim was never billed. 
2 months prior in XXXX, the same service was provided by the same creditor and they billed correctly. They billed the correct insurance, and they got paid ( that was on XX/XX/XXXX  ). All information was available to them however it appears they did not file the claim.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 2023-11-21
Company: Maximus Education, LLC dba Aidvantage
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 told company it was fraud and they refused to provide info or delete account. My information was breached in the XXXX breach and social security number was used

Company response to consumer: In progress
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is failing to delete reports on my credit report that i dont have a contact with.. my personal information was sold to several different debt collectors without my consent and it violates the California Consumer Privacy act of 2018. I have no contact with any of the people listed on my credit report. None of them validate the debt when I requested it. I have no obligation to pay any of those people by law and all are committing fraud when they received my personal sensitive information My home addresses My birthday my social My email and phone number I have no written contact, i can only be bound by a contact. None of the original debtors have permission to give out or disclose my personal sensitive information. This all happened in California none of the contact with the original creditors where done outside of California all these debts occurred after the privacy act was established Im not bound or secured to any contact to pay anyone.. creditors have agreed to delete account but Transunion has not done so and should be held accountable

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE ACCOUNT. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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 2021-12-03
Company: Prime Choice Funding Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We are filing a complaint against prime choice funding Inc. because we did a refinance with through their company in XX/XX/XXXX, at the time of the refinancing we were told that we would did not have to make a payment for exactly 2 months. We did not get the two full months without payments. Also we were never asked did we want an escrow account in our refinance. If we had of been asked, we would have definitely said no. We were charged up front in the refinance for an amount of escrow for homeowners insurance for 9 months of {$100.00} for a total amount of {$940.00}. Then we were charged for property taxes of {$620.00} for 4 months for a total amount of {$2500.00}. All this is in the Closing cost details. We were also charged an additional monthly amount in an escrow account for both the homeowners insurance and property taxes in the amount of {$730.00}, starting XXXX. When this was very unnecessary. We never wanted an escrow impound account, we were never asked did we want it or not. It was just placed there for the companies to make money. We do not need any company whatsoever to pay our bills that we can pay ourselves without any interest added. Paying the company directly is fine with us because there is no interest attached. 
and paying our property taxes when they are due is fine. This company prime choice funding Inc. knew exactly what illegal things they were doing and why they were doing it. They lied to us and told us our loan would be through them. And then they transferred it to freedom mortgage to continue their fraud acts of collecting money in an escrow account for homeowners insurance and property taxes. We are also filing a complaint against that company also, who refuses to close this impounded escrow account when we have asked for it to be done in writing and the homeowners insurance is fully paid through XX/XX/XXXX. So we do not need to give the mortgage company another penny. They also have the more than enough in our escrow account to pay our property taxes due in XX/XX/XXXX. We have already informed that company to make that payment and refund whatever is left and close that account, because we do not need it or want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Credit Technologies, Inc.
State: LA
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:
My credit was ran by XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX and I did not authorize these inquiries. It is being reported on my credit report without authorization and I would like this inquiry removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit 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 explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: CA
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 sent a letter off on XX/XX/2023. Here is the tracking # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy.

Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: WELLS FARGO & COMPANY
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021, I received a Bank Statement from Wells Fargo Bank, for an account I never opened. I immediately called the 800 number, and after many department switches, I was sent to what I believed was the Fraud Department. I spoke to someone in that department who gave me the following ID Theft # : XXXX. I was also told to file a report with the FTC, which I did and received a number from them, and to place a Fraud and Security freeze on the 3 credit bureaus, which I immediately did. I also decided to file a Police report with my local Police Department, which I did and received a copy of the report. 
I asked the person I talked to, to please send me confirmation of this complaint and to please close any accounts with my name on them. I thought that was all I needed to do, however... 
On XX/XX/2021, I received another bank statement, dated XX/XX/2021. I again, called the 800 number only to be told I had a wait of up to 1 hour. I found that to be unacceptable, so I decided to write a letter to Wells Fargo on XX/XX/2021 asking, again, to close this account and send me confirmation of this. I included my Police Report and FTC ID Theft report, as well as my e-mail address and phone number It is now XX/XX/2021 and I have not received anything from them as of today. The address on this account is an old address from 7 years ago.

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 2023-07-09
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Signed up for title loan in XX/XX/2023. I have paid XXXX on a loan of XXXX. I still owe the original XXXX. I asked how much they were charging on this loan and she said around XXXX I asked twice XXXX XXXX XXXX XXXX my balance not going down now Im concerned. The website to pay my loan isnt working nor the app. Please help me. They use to call to offer me extra money all the time now I havent spoken to anyone in a few months.title max XXXX XXXX XXXX XXXX. 
This was with TitleMax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There are inquires on my credit report that I did not authorize. I verbally gave my credit score to the dealership representative, explicitly stating that I did not want their company to do any credit check but inform me, based on my score given VERBALLY, if there is any chance that I may qualify due to the fact I was only weighing out my available options towards purchasing a vehicle if so decided. Also, there was no signature involved granting permission to access my credit report to any car loan lender. I wrote a letter to each credit bureau indicating this issue and nothing has been done as yet. Below are the attached documents sent to each individual bureaus indicating the specific hard inquires on my account.

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 2022-10-07
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1st the lender failed to comply with XXXX XXXX when mailing of the 90 day notice jointly addressed to both borrowers in a single envelope. 
A recent appeal presented an issue of first impression before this XXXX as to whether a plaintiff in a foreclosure action may satisfy the requirements of XXXX  XXXX by mailing a XXXX notice jointly addressed to two or more borrowers. In Wells Fargo Bank, N.A. v. Yapkowitz decided XX/XX/2021, the XXXX held that this practice was insufficient to satisfy the requirements of XXXX XXXX, and that the plaintiff is required to mail a 90-day notice addressed to each borrower in separate envelopes as a condition precedent to commencing the foreclosure action 2nd Lender failed to correctly serve my XXXX  Attached is the Original Loan application and deed with the correct spelling of her name. The Mortgage & Note lack standing because the foreclosure if not against my ex-wife, they did not serve her a correct copy they served her a misspelled copy. I did not cause the issue I attached a my loan application with the correct spelling of my name. This was a bad name failure to serve the correct party. 

3rd the mortgagor failed to comply with XXXX XXXX, XXXX & XXXX Finally, I would like a full copy of my mortgage records to be forwarded to me from the lender, which is to include all payments, mortgage notes & assignments, default notices, and all proof of compliance with the NYS and Federal Mortgage laws

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 2022-12-13
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
In XXXX of XXXX, I was approached by a stranger I " met '' online. I was told that I would be sent money an amount a little over {$3000.00} ( which I was ) I was told to take the money that was deposited into my account ( via mobile check deposit ) and send it out to other people and then I would be given more money afterwards. The checks that were deposited were fake ( not to my knowledge ) the money was made available by the bank and I was prompted to both XXXX  and XXXX  payments to other people. I was XXXX and nave at the time, a XXXX XXXX with bills and financial obligations and I thought this was a quick fix. I did not have the means to pay that amount back during this incident, and 3 years later I am still unable to pay the money back. I was unaware that I was apart of a money mule scam and my account had been targeted ; some of the money that was taken when the check were returned was my own. The bank knowingly processed these fraudulent checks on my behalf, instead of looking into these amounts ( as I have never had anything over {$1000.00} in my account at the time ) the money was processed into my account, it was discovered the checks were fraudulent, and i was slapped with numerous inflated overdraft fees, on top of the account being overdrawn because the money was fake.

Company response to consumer: Closed with explanation