BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: MD
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Teletrack, a supplemental consumer credit agency, for violating the Fair Credit Reporting Act ( FCRA ) by furnishing information about me to XXXX without my consent. 

On XX/XX/2023, Teletrack furnished a consumer report about me to XXXX without my written permission. This is a violation of Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA, which prohibits consumer reporting agencies from furnishing consumer reports without the consumer 's written permission. 

I have not provided Teletrack with my written permission to furnish consumer reports about me to any third parties. I am very concerned about the fact that Teletrack has violated my privacy rights by furnishing a consumer report about me without my consent. 

I am requesting that the CFPB investigate this matter and take appropriate action against Teletrack. I am also requesting that the CFPB require Teletrack to destroy all copies of the consumer report that it furnished to XXXX without my consent. 

Thank you for your time and attention to this matter. 

Law codes violated by Teletrack : * Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681-1681x.

* Section 604 ( a ) ( 3 ) ( A ) of the FCRA : 15 U.S.C. 1681b ( a ) ( 3 ) ( A ).

* Section 604 ( f ) of the FCRA : 15 U.S.C. 1681b ( f ). 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Company: Experian Information Solutions Inc.
State: IL
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 sent a letter and disputed with Experian, XXXX and XXXX all accounts. However the credit bureaus said the completed investigation and everything was 100 % accurate ; despite accounts not appearing on all credit bureaus are the same. This is defamation of character. 

I also, I noticed them with a list of laws according with 15 U.S.C regarding privacy, acquisition of location information, accuracy, to name a few 15 U.S.C 1692 ( a ) sections 1-7, 15 U.S.C 1692 ( b ) sections 1-3, among others I may mention again ; Fair Debt Collection Practices Act 15 U.S.C 1692c, 1692d, 1692e, 1692f, 1692g, 1692h, 1692i, 1692j, 1692k. Under the Fair Credit Reporting Act 15 U.S.C 1681, 1681a, 1681b, 1681c, 1681c-2, 1681e, 1681g, 1681i, 1681n, 1681o, 1681q. 16981s-2.

Lastly, most importantly to highlight 15 U.S.C 1681a - Definitions ; rules of construction.

The term investigate 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 if 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.

I would like to know who did they talk to and investigate with. Also, how did they complete their/this investigation.

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 2023-10-30
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have an account with U.S. Bank and I was recently scammed a couple months ago. The day I was scammed by a fake loan company that used my bank information deposited a fake check and funds was withdrawn from my account without using my bank card. I filed a police report and went into the nearest us bank to my home and the branch manager said he called and emailed but took weeks to get back to me and Ive been calling us bank every other day and week asking for an update but my account is frozen. The branch manager said that there was nothing he could do and was no help at all and now my account is frozen with my hard earned money in my account that I would like back.. you can say the most recent deposits in my bank statements. This is all because I wanted to apply for a personal loan because I needed the money. Us bank is treating me like I deposited the fake check when Ive been a loyal consumer for almost XXXX  years and never had an issue like this yet they still havent responded or just give me my money back and its going on 90 days .. just looking for some guidance or response. Ive been getting the run around since the beginning.

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 2022-04-27
Company: EQUIFAX, INC.
State: GA
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:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, EQUIFAX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX BANK These accounts and inquiries are fraudulent , unverifiable , and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts and inquiries are fraudulent , unverifiable , and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX states I have an account which is showing on my Experian credit report as two different collections. I sent a letter of verification to XXXX XXXX XXXX and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Experian credit bureau and the account is still on my credit report after disputing Five times. Experian says their dispute results are verified when they can not be because the credit collection company can not verify this information. I would like this account to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
To Whom  It May Con cern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to reque st one. Before, t his never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   tire of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!

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 2017-05-12
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:
Just received results of  a 2nd  dispute with  XXXX  for the same issue and there is no way  XXXX  verified the account status.  XXXX  is still reporting the same inaccurate information. Please see attached documentation.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: NE
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XX/XX/2023 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 2017-05-12
Company: EQUIFAX, 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:
Just received results of  a 2nd dis pute with Equifax for the same issue and there is no way Equifax verified the account status. Equifax is still reporting the same inaccurate information. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: LENDER LIVE
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage through Lender Live  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX  PA  XXXX . My loan includes escrow payments to cover the property taxes and the homeowner 's insurance.     In  XXXX   XXXX  Lender Live failed to pay the homeowner 's insurance and it lapsed. I paid the insurance personally once I became aware of the problem and was eventually reimbursed.     In  XXXX  of  XXXX  I decided to check and see if the property tax had been paid and I discovered it had not. I paid that personally as well.     The property taxes were due on  XXXX   XXXX . Lender Live sold our loan effective  XXXX   XXXX  and they did not pay the property tax. I have asked for a full accounting of my escrow account. They have no explanation for why they are collecting the escrow and then failing to responsibly pay the bills when due. Lender Live is no longer the loan servicer but when I contacted the new loan servicer they were unaware of where the escrow payments should go and also said there was no indication the escrow was to pay property tax as well as insurance. The total escrow collected is significantly more than the total of the taxes and insurance.     I think Lender Live is horribly disorganized and irresponsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
OneMain Financial Acct No XXXX Paid Off total balance on XX/XX/18 of {$1100.00} Received no further notices or statements from One Main Financial until XX/XX/18 received XX/XX/18 notice from One Main Account closed account for default XXXX called customer service and was told that a {$100.00} fee for renewal of line of credit was charged against account, that it was not paid, that it was written off and the notice of termination and default sent. XXXX told them he did not authorize any renewal of line of credit, that total account was paid off XX/XX/18 and no balance was owed. 
XX/XX/18 received XX/XX/18 revised notice of termination of account and waived balance. 
XX/XX/18 Reviewed statements online from XX/XX/18 through XX/XX/18. 
No {$100.00} renewal fee charged. 
XX/XX/18 online balance showed balance of {$58.00} however would only allow payment of statement balance of {$53.00} for XX/XX/18. 
Then went back online and paid additional {$5.00} for XX/XX/18. 
Balance now should be XXXX. 
I have no idea what the additional charges were for, did not receive any bills or notice of any default or request for renewal of line of credit after paying off debt

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$36000.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$38000.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$31000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XX/XX/XXXXXXXX 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 2023-05-27
Company: Experian Information Solutions Inc.
State: NV
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXX XXXX  XXXX Balance : {$5000.00}.

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 2022-04-27
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried to dispute unauthorized Transactions from Wells Fargo and they still denied my claim saying they did not detect fraud and clearly there was fraud done 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 2022-04-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a home loan with NewRez LLC. Somehow, they transposed a digit on the county parcel number and paid taxes against the wrong property for over a year. They realized their mistake and attempted to correct it by paying the taxes that I owed ( because they had not paid mine for over a year ). They did not fully investigate what happened and simply attempted to raise my monthly mortgage payment by {$700.00} per month. I spent hours on the phone with their customer support and XXXX XXXX XXXX tax collector. After I figured out what happened and explained it to NewRez, they contacted the county for a refund ( in XXXX ). NewRez informed me that the county would send the refund check to me and Ill have to apply it toward the impound account. In the meantime, they told me to call each month and make my normal payment amount- and I have to reference the account notes. Ive done this two months : In XXXX their collections department called me stating my payment was past due. This was because they did not correctly post my payment after I made it electronically ( but they did pull funds from my checking account ). Today I received a letter from NewRez stating they did not receive my XXXX payment ( which was made on XX/XX/XXXX and pulled from my checking account ). I want NewRez to put my mortgage payment amount back to the original amount and figure this mess out themselves. Its their error and Ive spent way too much time dealing with the mess. In addition, I cant even refinance because the impound account is a mess. I feel they are harassing me due to their own incompetence. Im also concerned that my credit will be impacted.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23
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:
I recently mailed a letter to TranUnion Consumer Solutions disputing an account on my TransUnion credit report which was showing as derogatory/collections with an outstanding balance of {$1800.00}. This account had already been charged off in the amount of {$2600.00} and I had reduced the amount by making small payments here and there and by the federal government withholding two small tax returns which I was due over the past few years.This collections account was USDA National Finance Center on behalf of the federal government and was the result of an over payment by the government which until recently went unpaid. 

I paid the outstanding balance of {$1800.00} online on XX/XX/2020 on the Pay.gov website. I mailed my dispute letter dated XX/XX/2020 with a copy of the receipt showing the USDA account had been paid in full to TransUnion Consumer Solutions on or around XX/XX/2020. 

I received a response from TransUnion in a dispute status letter dated XX/XX/2020 in which the credit reporting agency stated that after reviewing my dispute request it found the information I disputed did not appear on my TransUnion Credit Report and went on to state numerous reasons why it might have disappeared and/or been removed already. 

On XX/XX/2020 I reviewed a credit report offered free by a major bank because we have a business relationship. This credit report was from TransUnion and was updated on XX/XX/2020. The credit report showed the USDA National Finance Center account and it was still showing as outstanding collections/derogatory. 

TransUnion 's claim that this information was not found in its search of my credit report now looks to be false and untrue? On XX/XX/2020 I attempted to call TransUnion numerous times to discuss this problem but was hung up on every time by it's automated system. A check of the company 's hours of operation for Saturday and Sunday showed XXXX. I posted a comment on TransUnion XXXX page XX/XX/2020 and received a comment from XXXX requesting I send her a private message about this which I did but have not heard back from her or TransUnion. 

XXXX is going on with TransUnion that is what I want to know? This is one of the companies which we are forced to trust with our most closely held information are you kidding me? It needs to be sued because it is doing the public a huge disservice with terrible customer service and it's been ongoing for some time now.

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