BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: Home Loan Center, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Greetings from LENDINGTREE Mentioned below are the entire details of the Loan Contract of XXXX XXXX If you are interested in this loan and are also comfortable with allthe terms and conditions including the 3- Step verification procedures mentioned in this document. 
NOTE : LOAN ID mentioned in this email is highly confidential ; there for you are suggested not to share it with anyone apart from our verification n officer available only on ( XXXX ) XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On or around XX/XX/2023 TRANSUNION RETALIATED against me by lowering my credit score another ( XXXX points ) after I submitted a complaint to the CFPB after they ERRONEOUSLY lowered my score by ( XXXX points or more ) earlier this month. In addition, TRANSUNION Is still displaying old, inaccurate information is still showing up on my consumer report, including my NAME. 

UPDATE MY CREDIT SCORE TO ( XXXX ) PLEASE SEE THE ATTACHED LETTER

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 2021-04-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, I had a fraudulent transaction on my bank account through the XXXX XXXX in the amount of {$1800.00}. This individual, XXXX XXXX added their name into my contacts somehow. They aren't currently and never have been a contact directly on my device. I received a text XXXX XXXX on the XXXX from XXXX XXXX XXXX with XXXX saying, I added or edited XXXX XXXX as a recipient. By the time was able to get someone on the phone address the issue, the transaction had gone through. The bank issued a temporary deposit to my account until investigation was completed. They say they did not find where the transaction was not authorized and withdrew the money from my account leaving it at a negative balance on XX/XX/2021. Being that I trusted this bank to keep my funds secure and I am a victim of fraud, I would like to get my money back. I really hope it's possible that you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My credit score was decreased by XXXX due to a medical bill collection being added to my credit in the amount of XXXX which is a dead I do not believe I owe company did not verify it haven't been to any emergency rooms in XXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: NV
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:
For background : in 2015 I was going through a divorce and needed to get rid of my ex-wife 's car under my name. I talked to XXXX ( XXXX XXXX XXXX ), and they said I could take this car back to the dealership essentially, " give it back. '' I did this at the end of 2015, taking the car to XXXX of XXXX in XXXX, Maryland. Two month later, XXXX sent me a letter saying the car would be " repossessed and sold at auction '' if I didn't make payments, and a month later the car was sold. At this point they had already had possession of the car for 3 months and had stopped sending me bills so this was confusing. I spoke to XXXX XXXX XXXX, the woman said they sold it, sold off the remaining debt, and I owed them nothing. She also said I didn't own any third party debtor, that as far as they were concerned the account was closed. 

Fast forward 6 years, and no one has ever contacted me for any debt. I have no current account at XXXX, and they can't even look me up by my Social Security Number. Yet, All 3 credit bureaus showed there was about $ XXXX ( the amount written off ) balance, but {$0.00} owed. This was fine, except one of the credit bureaus showed a monthly reported payment status and I was trying to correct this. 

Using the XXXX XXXX app, I disputed the current balance at XXXX. It should have been a {$0.00} owed balance. They looked into it, and in the end they decided the balance was correct and changed it to an ACTIVE account, making my credit score drop 124 points! The problem here is I'm currently in escrow and buying a home. I close in 2 weeks and this puts my home purchase in jeopardy. I reached out to XXXX but since I'm currently on a work assignment in XXXX XXXX, XXXX, I'm only able to reach them through XXXX messages. I haven't gotten a response there so far. 

Please help! Not only is this a closed account, but I owe {$0.00}. I have no idea who I would even owe this to. It's not XXXX - I checked. No one else ever contacted me for any debt. It's a complete mystery and should be off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There has been an improper use of my credit report which shows some addresses and employer that I am not associated with. I do not have anything to do with the following addresses, irregular report of my personal information violated my consumer rights has none of this addresses are associate with me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I supplied a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following items listed beneath they are responding incorrectly as a result of fraud. The following items must be removed from my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-11-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-08-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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 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 2021-07-21
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: Their investigation did not fix an error on your report

Complaint:
Well I see where Ive had points deducted from my score for no reason, and Ive had points taken off for the same thing twice in a row also points taken off my score for paying off a loan that should be a good thing. XXXX points taken off for no reason at all, but I know the reason because there was an account that wasnt mine and I disputed it, long story short I paid them to stop reporting it, but the credit bureau took it off and removed it 3 times and so somehow they just decided to put XXXX points and then removed it again and again Im confused as to why these people who cant speak English have control over my life and whether I can get a house loan, after I downloaded the XXXX  app I realized that they are the best credit bureau because they let you and help you take control of your credit and life and allow you to make a job out of it and be responsible with money and credit, XXXX  is getting better since my complaints but still them and transunion are the worst you cant even access transunion website hardly they make it unfair but really they have fixed some points from the credit card utilization which is still not right because its my money and not loaner money so they shouldnt get a say in how much I use as long as its paid on timely fashion some things dont make sense and I will continue to report and expose anything that isnt right oh and one more thing, how come they all dont talk to each other because XXXX  removed the inquiries but now I have to fight the other bureaus to get them removed its like they wont just check the data base that XXXX  already has and see that its been investigated and these companies wouldnt have to work so hard and would have all the correct information if they would just communicate with each other and I wouldnt even be complaining about it they could just follow suit with XXXX  and removed them but what do I know about wasted time and making things better. Apparently nothing

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 2023-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a account with Bank of America for my mother because there was fraud done at moms XXXX XXXX by a XXXX XXXX The account was opened XX/XX/XXXX. Bank of America flagged the account because of the fraud and froze the account. They said they had to investigate and therefore would close the account and at the end of the month they would issue a check with the funds 10 days after the account was closed. We are now XX/XX/XXXX and still no check. I called again and was told yet again it would be closed the end of XXXX then have to wait another 10 days. I have called several times and keep getting told it will be the end of the month and check will be mailed. The has been several months now. When I ask why they say that's all the information they have. I go into the bank and they tell me to call the XXXX XXXX  No help at all!

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 this may concern, I am writing to dispute the following items on my credit report. This account and transactions I am disputing was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: MO
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 a copy of my updated credit report, I discovered that some of the accounts are 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: FL
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 am attaching a copy of my ID theft report for a XXXX  XXXX XXXX account being reported on my credit reports. XXXX  XXXX XXXX is ignoring the fact that I did not open this account and as stated in my ID theft report a past roommate/Co-habitant used my personal information to open this account. Please see the attached theft report. Furthermore, In accordance with FCRA 605B ( 15 USC 1681c-2 ) I hereby give you 4 days to block the information I am reporting as it pertains to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2024-01-07
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 recently reviews my credit report and noticed several inquiries that I never authorized and was concerned that someone may be using my information without my consent to obtain good and services. I attached a list of the inquiries that I did not recognize. Please help me get this matter resolved in a timely manner. Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Property settlement agreement due to divorce states that I am to receive the home and to refinance mortgage in my name alone. I refinanced with another bank and came to closing with entire escrow amount and original lender was to send me the escrow refund and this was to take 4 weeks. In 4 weeks on XX/XX/XXXX I called WF to check on status of check. was told by WF representative that my escrow overage check was mailed to ex-husband. Told rep that check was send to wrong place and must be Stopped and reissued bc Ex- husband will commit fraud and cash the check that does not belong to him. Rep confirmed that check will be stopped and re-issued on the call. 
XX/XX/XXXX I Called WF for status since never received check and was told that check was never stopped and never re-issued and ex-husband already deposited the check to his personal WF checking bank account without my knowledge or permission. I opened fraud investigation. Check was payable to both our names was in the amount of {$13000.00}. 
An investigation was opened and WF determined that they are not a fault and this is a civil matter. 
WF made 3 mistake that could have prevented him from stealing the money 1. they mailed the check to the wrong address and name. should have been only to me 2. they lied on the XX/XX/XXXX call and stated they STOPPED and RE-ISSUED the check 3. Allowed ex-husband to deposit the check ( payable to both our names ) to his personal checking account with only his endorsement. 

If on XX/XX/XXXX the rep told me that he is unable to stop the check- I would have immediately reached out to my divorce attorney who would have taken appropriate measures to ensure that this check is safe and returned back to me I've spend hours and hours on the phone with WF- they kept me on hold for 2 hours at one time then hung up on me and are very unprofessional

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 2019-04-17
Company: Credit Bureau Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
was on XXXX XXXX status at the time of the accident. I have written to the credit bureaus about this and this is still being reported on my credit report. I have provided proof of military service at the time of debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm filing this complaint because XXXX, XXXX and Experian refuse to delete unverified bankruptcies from my credit report, after several disputes. As of now there is 1 bankruptcy reporting on my EXPERIAN report and there are 4 on XXXX  and 4 on XXXX. Under the FCRA, I have the right to : - Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. I sent several letters to all 3 companies asking them to verify the bankruptcies along with requesting the procedure on how it was done, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. This is one of the laws under the FCRA. EXPERIAN, XXXX and XXXX refuse to give me this information along with deleting the bankruptcies. The FCRA requires that EXPERIAN, XXXX and XXXX verify all information from the original data furisher and they have not done so. In addition I soke to a representative from XXXX named XXXX and she said they would not release what company they use to verify public record information. I have a letter directly from the US District Bankruptcy Court that stats they do ( NOT ) report information to the credit bureaus. This is the original data furnisher stating this. So All bankruptcies need to be deleted immediately per the rules and laws mandated by the FCRA PERIOD.

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