BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: NC
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:
Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
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. 

15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( 5 ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to the XX/XX/XXXX to file a complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Old information reappears or never goes away

Complaint:
I have tried to no avail to get the credit agencies to acknowledge the incorrect information on 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 non-monetary relief
Consumer complaint received 2022-06-02
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022, the mortgage company disbursed {$8700.00} in property taxes from escrow erroneously ( they paid the taxes that were due, then later paid nearly $ 9k for no reason ). I contacted the mortgagor in XXXX to alert them to the issue and have called three more times since then. Even after four contacts, the issue is not resolved but I continue to be reassured that they are working on it. They claim to be waiting for the payment in error to be refunded by the tax authority before my escrow account is adjusted. The mortgagor conducted an escrow analysis in XX/XX/2022 and claims that I have a shortage of {$8900.00}, which is mostly due to the property taxes paid in error. They now want to increase my payment as of XX/XX/2022 to cover this " shortage. '' At this point I have no confidence they will resolve this by my XXXX payment date, and whether or not they get money back from the taxing authority isn't my problem because the " shortage '' is due to their mismanagement. I feel like an inquiry from the CFPB is the only way this will get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  Acct XXXX XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

16 U.S.C 1681 Section 604 A Secion 2 : I also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-05-31
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:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) Bank XXXX XXXX, Account # XXXX, has violated my rights. 

2 ) XXXX XXXX XXXX XXXX ( Originator - XXXX XXXX XXXX XXXX ), Account # XXXX, has violated my rights 3 ) XXXX XXXX XXXX XXXX XXXX ( OriginatorXX/XX/XXXX ), Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

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 2023-05-02
Company: EQUIFAX, INC.
State: VA
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:
Equifax has fraudulent inquiries on my report that need to be removed immediately i am including a copy of my ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
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:
Fair Collections has violated in multiple ways. 
15 USC 1692d ( 2 ) The use of Obscene & Profane language 15 USC 1692c ( a ) Without the prior consent of a consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with any debt. 

15 USC 1692b ( 5 ) not use any language symbol on any envelope or in content of any communication effected by mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of debt.

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 2022-06-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Someone stole my husbands wallet because he has XX/XX/XXXX. 4 months later the thief went to the bank with a paper check and Wells Fargo cashed that check even though we reported the crime immediately. They assured me that no one would withdraw any money since we had reported. They cashed a check and when they realized the account that apparently paid my husband it was a closed account they took the money from our account. I filed a complaint and they close it without returning my money. A week after that they cashed a second check for a higher amount. Were out XXXX plus overdraft fees. They refuse to reimburse my money even though it was their fault. They refuse to reopen the investigation. We need help.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was also wondering if you were familiar with something called The Fair Credit Reporting Act ( FCRA ) I have a right to the fair and accurate reporting of your credit information, also entitled to certain privacy rights concerning my credit information and protection from the misuse your credit data. 
of I am writing to dispute the accuracy of the information that TransUnion LLC has reported on my credit report. 
I have repeatedly requested that a 605 block be placed on my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ) due to identity theft, but TransUnion has failed to comply with my request, This is a violation of FCRA procedures, As a victim of identity theft, I have sent my documents multiple times to TransUnion to fix my credit report, but to no avail. Furthermore, I believe that TransUnion has violated the FCRA by failing to properly investigate and correct errors on my credit report, which was also found in the case of Sergio Ramirez v. TransUnion, LLC ( 2019 ).

Due to TransUnion 's failure to comply with the FCRA, I have been denied credit and even employment, which is an adverse action under 15 US Code 1681a section 603 ( k ) ( b ) ( i ). As required by Section 605b ( a ) ( 2 ) of the FCRA, TransUnion is required to remove any accounts that were opened without my knowledge, consent, or authority, and under Section 1681c-2 ( a ), TransUnion must block any information in the file that resulted from identity theft. I have provided documents that prove the identity theft and have identified the information that needs to be blocked.

Therefore, I respectfully request that TransUnion properly investigate and correct the errors on my credit report, block the information related to identity theft, and provide me with a free copy of my credit report, as required by the FCRA. If TransUnion is unable to complete my request, I request that the accounts be updated to reflect the correct amount, date, status, open and closed date, last date of activity, and time, or deleted immediately, have provided an exhibit of evidence showing the inaccuracies of my reports, Please investigate every piece of information and remove these items below from my credit report. 
XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of XXXX I contacted Credit Acceptance and ask for them to send my all my documents concerning information reporting on my credit. Also in XXXX of XXXX I received copies of electronic of documents I didnt sign at all. I called credit acceptance and told them on XX/XX/XXXX that there is a forged signature on the documents that in fact the signature on the documents was copied from another paper that was signed. I was told that I would have to wait 3 days to hear back from them. On XX/XX/XXXX I received a called and was told to give my signature to them through an email so they could do an investigation. I sent over all my documents and informed them that the signature on the alleged documents on file was forged I said it is mines but I didnt sign it. Someone placed my name on the documents. I told them that none of my signature are the same at all in for two signature to be identical leads me to believe that it was forged. They said they will run an investigation and it could take a long time. No later than 15 to 20 mins I was told that the investigation was done and that they cant prove that this is false. I asked them how did they come up with the determination. They told me because none of my signature are consistent and because nobody signature is consistent thats how they came up with the decision. I told them well do you guys have a signature expert they tell me no they dont. To take it further I spoke to a higher manager who told me because I have one peace of evidence that it doesnt require a investigation and do I know what this would look like on there end. She also asked me why did I take so long to say something seeing I had this contract from XXXX. I told her I just so happen to see it once the information was sent to me by them I explained more to the lady that if she looks at the paper and evidence I sent she can see that two signature are identical. That none of my signature are the same and she said she not going to investigate any claim just because of one piece of evidence. They lady say I was paying on a vehicle for a whole year before they took it. This whole account was done in a fraudulent way the dealership is no longer open and is permanently closed at that. The dealership placed in fact that I put down {$3500.00} when I only gave them {$200.00}. This issues with credit acceptance has been ongoing. Before the vehicle was repossessed they told me to make a payment Ive made one then they repo the vehicle right after the payment was made.

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 2018-08-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage. 

Was in arrears with this company on my home. Decided I'd better sell before it was sold. 
Had two offers on house from XX/XX/XXXX and XX/XX/XXXX, and was ready to go to table, however Wells Fargo denied the sales because they said it was not enough money. However, buyers were pre-qualified. Real Estate agents had all figures to substantiate a good sale. 

My real estate agent ( s ) submitted reams of paperwork to assist with a sale, a short-sale, any type of sale to buy time and stay the idea of foreclosure. Wells Fargo did not even attempt to help with the sale, so they could get their money for my mortgage. 

I spent hours working with Wells Fargo people to help do a restructuring, to have NO-ONE return phone calls or emails. 

I spent hours talking with Wells Fargo attorneys in XXXX, PA to give me advice as how to avoid foreclosure, and to go to litigation for assistance on keeping home until I could get it sold. Went so far as the attorneys stopped returning emails and phone calls. SO UNPROFESSIONAL!

I was advised by the attorney secretary to : check on a Deed-in-Lieu, which is something that Wells Fargo has to refer you for. I just double checked with the Deed-in-Lieu department here and this is a request that has to go through Wells Fargo. When I forwarded your prior request they advised for you to call them.

After calling and calling to Wells Fargo, and being told that individuals would be in contact with me, I about gave up hope. 

I lost my house in XXXX. Not a word from any Wells Fargo administrator or their attorney 's that I was going to foreclosure. Just a nice notice on my door one day that my house was up for sheriff sale. Shouldn't I have received some sort of date-stamped document that said my house was going to foreclosure? Because of Wells Fargo underhanded manipulative ways, I lost my home, I lost most of my furniture, and I lost all my family pets. I have been put through turmoil because of their tactics, and KNOW I need some type of compensation for pain, suffering, having to find a new location to live, moving expenses, and the cost of losing everything mentioned above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 hard inquiries from XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have reached out to all companies closed accounts and sent information to all 3 credit bureaus they refused to remove false information which is destroying my livelihood, I also have placed fraud protection on my report and they refused to help

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 ..., XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX ..., and XXXX XXXX Account Number XXXX ... have their credit history reporting on the 3 major credit agencies. Per 15 U.S.C. 1681a ( 2 ) ( 1 ) it is illegal to report transaction history on the credit report. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I also have a charge-off reporting on my credit from XXXX XXXX XXXX as the original creditor who sold the debt to XXXX XXXX . Charge offs are income ( Certificate of Indebtness ) to the consumer and can not be reported on a credit report. Thank you all for resolving these matters for me.

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