BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2017-04-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I use Navient and when i asked about Loan forgiveness they automatically told me i was not eligible and made me do a repayment form that would cost me {$0.00} for 12 months. Which is fine ; but, now i am worried that the payments will go up. I also asked about deferment and they told me i was n't eligible either. I make XXXX year right now and i have about XXXX in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX {$970.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported XXXX XXXX XXXX equifax Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient Solutions. 

Pending lawsuit for illegal practices in claiming a debt is owed in which they can not provide legal proof. 

Requested documentation supporting the amounts owed and was not provided within the timeframe given via mail correspondences. Received one letter with nothing requested or satisfactory as required by law. 

Navient continued to harass the person via email while the account was being disputed and credit reporting despite requesting validation and harming the persons credit during a formal investigation requests into the validity of the debt and amounts owed. 

FTC, FDCPA, FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: WI
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! 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from my XXXX XXXX Account into my son 's Wells ' Fargo Account on XX/XX/XXXX.. ( I also have several Wells Fargo accounts and have been their customer for over 20 years-my son 's account and my Wells Fargo accounts are linked in Wells Fargo ). Wells Fargo put a 10 day hold on the deposit saying XXXX XXXX indicated they may not honor the check. 
I contacted XXXX XXXX and they said no such thing, in fact they released the funds to Wells Fargo the same day i made the deposit and they never indicated they were not honoring the check. Wells Fargo lied and i called them back on it and requested they put the money in my sons account immediately, since they had the funds. They would not do it. The funds did not show up until XX/XX/XXXX and now when i go into the my son 's account that deposit is dated XX/XX/XXXX, like they never put a hold on it. 
They held onto the {$3000.00} and used for their own purposes for 10 days. They had the money and they lied about why the hold was on the deposit. And now they are adding to it by back dating the deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 we got a text asking for authorizing of purchase we supposedly did on {$10000.00}. We ( my wife and I ) replied No, we did not buy anything from a shop at XXXX, XXXX XXXX, CA. To make sure that they got the message, I called them same day and reported a fraud, talked with Wells Fargo rep XXXX. In 3 business days, I found that this charge is added onto my account despite the text " No '' and called to warn them same day. I opened a dispute and called again and again I was assured that it will be resolved and removed from my account. Three days later nothing was done and I called one more time to Wells Fargo and talked with a manager XXXX, again I was assured that the charge will be removed and investigation had started. Within two days I received a letter from the Wells Fargo, what stated that if I would not call them, they will drop the dispute. I called them again on provided ph XXXX, talked to XXXX XXXX and he assured me that they are doing investigation and will remove the charge soon. As of XX/XX/2023 ( close of the month on the CC account, the charge is there and nothing changed. 
We have 2 more credit cards and never had anything like this before, despite the fact that wrong charges or not delivered goods happened there also and it was corrected within 2 business days. Please help, 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 2023-08-25
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: Old information reappears or never goes away

Complaint:
I dispute multiple things on my credit. Report date is not knowledge to mines still keep appearing on my 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 2022-12-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX  Inquired on XX/XX/XXXX - TRIED CALLING XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX - I DONT KNOW WHAT THESE ARE AND DIDNT DO THESE XXXX XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I DONT KNOW WHAT THESE ARE AND DIDNT DO THESE XXXX XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - TRIED CALLING XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX - TRIED CALLING XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING

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 2017-04-07
Company: STATE FARM BANK, FSB
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
This is an update to my complaint against State Farm Bank, case number XXXX. Thanks to the CFPB, SFB responded and finally seemed willing to resolve my issue. I heard from XXXX and XXXX from corporate on XX/XX/XXXX and XX/XX/XXXX respectively. On XX/XX/XXXX I also reached out to XXXX Escalation Specialist, XXXX, who conferenced me with SFB rep, XXXX. XXXX, XXXX, and XXXX all saw something in my account and wanted to either " research '' it or in XXXX case -- refer my case to Corporate. I agreed to continue speaking with XXXX today, XX/XX/XXXX at XXXX Pacific to thoroughly examine my case, but XXXX XXXX did not call. I reached out to XXXX XXXX and XXXX this morning, requesting assistance, but have not heard back. I have been through this countless times within the past 6 months where SF Bank can not explain why they charged my Visa {$540.00} and why they lost my XX/XX/XXXX Visa payment of {$540.00}. They always need to " research '' something and either never reply or a new rep who is unfamiliar with my case falsely accuse me of requesting this charge. This is not a hard case to solve, yet it seems they see the discrepancy but refuse to admit fault. Please explain this {$540.00} " payment reversal '' that SFB placed on my Visa. If it is a refund, trace it, because I have not received it. If this reversal was done to pay for my XX/XX/XXXX insurance, then why did you do that, because I already gave you {$540.00} on XX/XX/XXXX to cover my XX/XX/XXXX insurance plans? Also, why was my {$340.00} XX/XX/XXXX Visa bill placed in collections on XX/XX/XXXX when that Visa bill was n't even due until XX/XX/XXXX??? The bill was n't due yet you placed it in collections?! Can you explain any of this? I have all my account statements on hand. Please reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-26
Company: Alpine Credit, Inc
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On my credit report it shows multiple open accounts by Alpine Credit. I attempted to contact this agency at which time they informed me that these accounts were at closed status, however Communications between reporting agencies and this company are not happening and my credit is suffering, I need to know how to go about removing these erroneous statements for my credit report showing as an open collection when they are actually closed, please inform me on what to do before I have to find or pay for an attorney if I do n't have to. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: Mobiloans, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
XXXX XXXX XXXX XXXX has repeatedly placed threatening phone calls to my cell phone and the phone of my XXXX father. These calls do not identify the agency as a debt collector, the message directly state " legal action is being taken against you, papers are being filed in a court of law, if you do not contact us ''. 

I returned a call on XXXX/XXXX/XXXX to see what company was calling leaving messages like this on my father 's phone ( he has XXXX trouble ). I spoke with a representative who had information on an old payday loan account ( over 8 years old ) that was verfied paid before I filed Chapter XXXX in XXXX. 

I asked the representative why they were calling me instead of the lawyer ( he stated I was being sued in XXXX I reside in XXXX ) and he began to become irate. 
I further advised him to contact directly and not my father, which turned into an argument. He stated it was ok, they will pursue. 

This practice of threatening consumers is unacceptable. The company stated they had an affidavit from my bank, but they had outdated contact information. The representative further claimed they sent court papers to an old address and email, but they had a current phone number.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-16
Company: Mobiloans, LLC
State: VA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Received a loan from Mobiloans. They were deceitful in their monthly payment schedule. They have been withdrawing more money from my checking account than I agreed to. Yet when I look at the payment history it does n't reflect the entire payment. Their practices are extremely deceitful and the " language '' is written in a way that seems legitimate, understandable and upfront. However, they 've never provided a truth in lending disclosure as promised when I applied and I do not have one in " my account information. '' What they offered when I applied is NOT what is being followed. I 've contacted them and they are NOT willing to assist. I have copies of my payments and the amount they 've deducted from my bank account. Willing to submit them as necessary. For example, they deducted {$220.00} from my checking acct on XX/XX/2016. However, they only posted a payment of {$110.00}. Where 's the additional money applied they deducted from my bank account.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello! Please give attention to my follow up. I need these inquiries harming my credit reports REMOVED from my credit file. I am hoping and truly expecting that the XXXX, Equifax and XXXX credit bureaus will remove all these inquiries I listed once more in these complaints : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights. 

Never missed a payments : XXXX XXXX  date XXXX XXXX, fraudulent account : XXXX - XXXX date open:XXXX XXXX Past due amount and payment : date XXXX XXXX XXXX  XXXX Fraudulent account : XXXX XXXX date open : XX/XX/2022 Fraudulent account : XXXX XXXX XXXX date 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 2017-04-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a formal complaint that Equifax is NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, Equifax has damaged my name, and my credit. Equifax has entered derogatory information into my credit file. 
A request has been made for the company to provide validation of this debt. So far, the company has not comply with this. The current account is a false account which I 'm not responsible for. 


Account name XXXX Account number XXXX .... 



Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried for 5 years to return my home to the bank. Right now the mortgage company is Seterus Loan # XXXX. I filled Bankruptcy in XXXX 2016. The mortgage company has still not take the title back. 

I have attempted Short Sale, Modification, Deed in Lieu and finally Bankruptcy. 

It has been at 3-4 years since I started the process. 

I am wanting to return the title to them and they are not taking any action to clean this mess up. 
XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this 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 non-monetary relief
Consumer complaint received 2023-01-25
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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