BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Account Number : XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account is question is a charged-off account that has been reported by.. 
I am disputing this account based on violations of the Metro 2 credit guildlines. According to these guidelines, a charges off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report.

After reviewing my credit report and the information provided by.. I have found several violations of the Metro 2 guidelines. These violations
include : 1. Last Activity Date inconsistant across Credit Bureau 2. Term Type Source inconsistant across Credit Bureau 3. Status inconsistant across Credit Bureau 4. Comments inconsistant across Credit Bureau 5. Account Details inconsistant across Credit Bureau 6.

Payment History inconsistant across Credit Bureau Based on these violations, I request that you remove this account from my credit report. I have already contacted .and requested that they remove the account, they refused to do so. I have also included a copy of my previous dispute letter for your reference. Please investigate this matter and remove the account from my credit report if you find that it has been reported inacurrately or in violation of the Metro 2 guidelines.
Thank you for your attention to this matter. Sincerly,

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 2020-02-21
Company: Shellpoint Partners, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had an issue with my mortgage payments and was in the process with the lender XXXX in a loss mitigation plan and without any resolution they sold my loan to another lender Shellpoint with no details. I started the loss mitigation again with the new lender Shellpoint. My original monthly payment was @ XXXX/month and the trial plan payment was raised to @ XXXX/month. I made the payments with a loan. Then I had to wait for over 100 days for them to complete the loan mitigation and the new loan payment is now @ XXXX/month. I know that the documents were clearly not correct when they sent my paperwork to XXXX. I have researched and it seems there were a lot a illegal procedures done with my loan. Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
https : //www.portfoliorecovery.com/ keeps calling me. I get the same caller id from PORTFOLIORECOV with different numbers every time. They robo call me about a few times a week and instantly hang up and sometimes transfers me to an agent where I tell them they have the wrong number. They will not stop calling and they keep rotating their numbers so I can not block them effectively. I have not debts with them or anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Resurgent Captial Services several times to validate the alleged debt of {$3900.00}, Account # XXXX. Yet, I continue to receive letters from the agency that do not validate the alleged debt and have reported invalidated debt in my credit reports, a violation of the fair credit act ( 15 USC 1692g Sec. 809 ( b ). 
2 : RE : Account # XXXX The collection even stated that the summary of the account is not a credit card and not from the original creditor and continues to harass me on debt they can not validate and has no right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: CA
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:
In addition to being a victim of credit fraud as well as 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.. 

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  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 rep 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 person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: PA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Clarity services is portrayed to be the credit bureau they have my information and And placing me in a category with low income or fraud alerts I have no affiliations with either theyre misrepresenting me there gathering information on my financial information through XXXX and now clarity as a third-party is wanting to gather a credit report on me which I dont believe that they have any affiliation with me and experience

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 2023-06-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In CFPB complaint XXXX, I attempted to close my deceased mother 's XXXX ' XXXX savings account and collect her remaining funds. 

During the course of handling the complaint, Wells Fargo employees fraudulently claimed they can not close the account and send the funds to me because it is a joint account. That is false. At one time the account was joint in that she owned it with her husband, but he died on XX/XX/XXXX. She provided Wells Fargo with the death certificate, and they removed his name from the account. After that the account was in her name only. Additionally, on two other occasions I have provided Wells Fargo with a copy of her late husband 's death certificate. Wells Fargo needs to close my deceased mother 's account and send the account funds to me no later than XX/XX/XXXX. 

I wish to have ALL communication with Wells Fargo done in writing.

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 2021-05-26
Company: Experian Information Solutions Inc.
State: PA
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 XXXX has a creed freeze on my account for6 months but still if I use services like XXXX XXXX and XXXX XXXXXXXX they allow them to let HARD INQUIRIES come on credit report to scam money. I ask for FAIR CREDIT REPORTING ACT SECTION 604 and 609. I sent them registered mail with the federal law to have them show anything Oi did to make these hard inquiries. It is your job to tell them to stop fraud for money on my expense. If they did what the fcra 604 sad then I couldn't show you how they all 3 are ringing money on customers exsoese then there customer service is XXXX and they have know idea what American laws do. They are trained to say no and that is all the major credit bureau does. I work hard and these hard inquires are fraud. 

1. XXXX XXXX XX/XX/XXXX. FRAUD CREDIT INQUIREY 2.XX/XX/XXXX..XXXX XXXX XXXX FRAUD INQUIREY 3.XXXX XXXX XXXX Fraud Inquiery 4.XXXX XXXX  XX/XX/XXXX fraud inquiry 5. XXXX Fraud Inquirey that all on report I had nothing to do with. Take these off or I will go to court and drain you for destroying peoples lives 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 2023-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I closed my checking account with Bank Of America back in XXXX of 2023. I had a balance amount of ~ {$1300.00}. The bank personnel confirmed me on a phone call and my XXXX account that the bank will post me the checques for my pending amount to my XXXX address. They confirmed me the address, and also said that they have posted the checques. But I never received the checques for my pending amount. When I asked for tracking details, they said that they do not provide the tracking details. 
When I followed up after a month upon not receiving the checques, they admitted that there could be an error from the Bank End and confirmed me that they posted a 'new ' check. 
The above issue happened three times so far, and every time the bank wants me to just keep on calling them to get my funds back. But they are not willing to guarantee any other means to send my pending funds back. 
I sincerely request a legal action against BOFA for such a negligence for past 7 months now. The worst is they are not willing to share any alternate route to send my money back. 

regards, 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 monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The information listed below is being reported on my credit profile incorrectly, I've asked the bureau 's to remove the inaccurate information numerous times but I have yet to receive a response. I would like for XXXX Transunion and XXXX to do a thorough investigation on incorrect accounts reporting on my profile. 

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 negative XXXX opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Important Messages

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 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been dealing with this issue with my bank account with Bank of America since I had opened my account initially XXXX 2021. Besides the Bank of America taking advantage of overdraft fees they have informed me of ACH fraud activity with a loan company and I continue and during these transactions and I have see no action on their part and I have spoke to the bank numerous times since I've opened my account in XXXX 2021 I constantly communicate with them and I am absolutely getting nowhere besides this report I am sending in I will be filing your police report and hopefully able to be refunded whatever I have lost between my account and business and time with Bank of America as well as 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 monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: TX
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021. Wells Fargo bank charger my account for a transaction that I did not authorize. It was listed on my account as XXXX XXXX XXXX XXXXXXXX. I spoke to 5 different people whom I didnt receive any information from nor did my issue get resolved. 

I have 3 claim # s that I received 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 2020-02-11
Company: EQUIFAX, INC.
State: SC
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:
Equifax I have called them on numerous occasions asking for XXXX XXXX XXXX to be removed from my credit file as this information is incorrect I no longer own this debt it has been satisfied, I started contacting them on XX/XX/2020 up until XX/XX/2020 I have a letter stating that they have sent to them my information to be updated and it has yet to come off this Debt is for {$890.00} from XXXX XXXX XXXX, I have the most issues with Equifax and the reps because there is language barriers that prevent them from assisting me to the fullest each time they open a dispute and comes right back verifying the debt that is inaccurate. 
XXXX I called them starting the same dates as mentioned above and no results. 
XXXX  - I called them and same as mentioned aboved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I submitted evidence that a debt is false with my bank statements and how much the account costed, and the total amount I have paid and they will not remove the debt from my credit. I have gotten it removed from XXXX and XXXX but Equifax will not. I have tried calling them on the phone to dispute this but they are not answering my calls. I am basically being blackmailed into paying a debt I do not owe because they will not look into my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
Credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX Child support My personal business Exposed

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 2022-04-07
Company: Experian Information Solutions Inc.
State: NJ
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:
5 Clients with possible information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  ( 16 hours ago ) to bcc : me Dear XXXX  family, We are writing to you because of an incident involving access to your physical folder here at XXXX XXXX XXXX. Although we are unaware of any actual misuse of your information, we are providing notice to you and 4 additional clients may have been affected by the incident, and about tools you can use to protect yourself against possible identity theft or fraud.

What Happened? 

We were informed on XX/XX/2022, about the most recent breach incident. Law enforcement is investigating and asked that notification to customers be delayed allowing the investigation to move forward. 

What Are We Doing? 

Our team is working with all three credit bureaus and can assist you with issuing a fraud alert for you and each potentially affected client. Contact numbers : XXXX XXXX Experian XXXX XXXX XXXX. You only need to place one fraud alert with 1 of the 3 Bureaus and it transfers over. 

What Can You Do? 


If you have additional concerns and/or questions please reach to our CEO XXXX XXXX XXXX directly at this contact number XXXX For more information on identity theft, we suggest that you visit the website of the Pennsylvania Office of Privacy Protection at XXXX : XXXX -- Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2023-11-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2023, amount {$1000.00}, actions that were taken by me is I reached out to Fifth Third Bank and explain the situation about the car payment the vehicle was totaled in a car accident someone hit me from behind so I was out of work waiting for the settlement to be paid and gap insurance to pay the remaining balance which was paid in full. The actions taken by Fifth Third Bank they reported a late payment on my credit report with all three bureaus. Which was out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I began getting calls from Enhanced Recovery Company ( ERC ) maybe two or three years ago at this point. During one of the calls, I asked the agent to verify if the account belonged to me and he just hung up. The calls stopped and I didn't think much of it. 

Maybe 1 month ago, I got a call from ERC. The agent asked who he was talking to and I told him who I was and proceeded to move towards getting me to pay money for a bill he was trying to collect on. I was driving at the time and the call was dropped. 

I happen to check on my credit report for a different matter and see that ERC has reported the debt to the credit bureau 's. They have never validated the account with me or sent me anything in writing to do so. 

I'm willing to bet, there's been other complaints about this company but if not this is the information about them I could find on the web : XXXX XXXX XXXX, XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation