BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
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:
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 ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$460.00}.

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 non-monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of accounts provided below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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

15 U.S.C 1681S2. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692B. Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 U.S.C 1692D. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Privacy violations.

Abusive of power and abusive of incorrectly reporting. 
Requesting a credit report for an impermissible purpose. 
Failing to follow proper debt dispute procedures. 
Furnishing and reporting old information. 
Furnishing and reporting inaccurate information. 

Multiples accounts reported on all 3 bureau EXPERIAN. XXXX. XXXX are incorrectly reported mixed dates and amounts, lates, derogatory and dates closed. 

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

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 2023-05-09
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:
I sent a dispute letter to the Credit Reporting Agencies to remove the the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I am now submitting a CFPB complaint regarding the same fraudulent items on my credit report. I have discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include a credit account that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I already disputed these items and yet the Credit Bureaus still indicate these items on my Credit File as if these items have been verified. If the Credit Bureaus believe that the disputed items legally belong to me, I request that they send me copies of documents to support such claims. In the absence of such documents, immediate removal of the disputed items is to be expected.

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 2018-11-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi my name is XXXX purchase a moble home in XX/XX/XXXX with XXXX and when my account was transferred to wells fargo national bank it was paid off in XX/XX/XXXX then wells fargo took over and refinance me add a home owners insurance and escrow with out me knowing I did not sign anything for 8 years have paid over 45000.00 dollars just recently they maid me pay XXXX dollars his is terrible and they issued a forcloser and quick sale to me please help sign 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 2021-09-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have repeatedly requested for this account to be deleted based upon a letter from XXXX XXXX stating that the debt would be forgiven and the account deleted from my account. To this date the account remains on my credit report and both XXXX XXXX and Experian, keep updating the account instead of deleting it. XXXX XXXX stated that she would send me a Settlement Agreement after I returned the letter she send me with my signature for my review. I have never received that Settlement Agreement from XXXX XXXX or anyone else at XXXX XXXX to review and/or sign.

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 2018-11-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I was threatened to be sued. I was mistreated and harassed with several phone calls. Theyve been stalking me on social media sites. And they are attempting to collect a debt in a state other than where I signed for the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX about an account that was reporting the wrong open collection date. 

This account is with XXXX XXXX, XXXX XXXX. They initially reported my account to XXXX XXXX agency in XXXX after 4 years of reporting, it was then given to XXXX XXXX XXXX. 

XXXX now reports the first open date of this collection account as XXXX. This is not the initial collection date of the account from XXXX XXXX, XXXX Resorts that was reported to XXXX originally XXXX. 

I called XXXX XX/XX/XXXX to verify the information and that it is correct and that XXXX received the account in XXXX. However, they did not carry forward the initial collection year date from XXXX XXXX, XXXX XXXX as XXXX, but reported it as XXXX which starts a new XXXX year period of reporting. This account has already been reported for XXXX years ( XXXX ) already with a credit reporting agency XXXX. 

I contacted XXXX and asked them to provide me with the first date this account was open and they continue to state that it was XXXX. I asked for specific information about the property and I could not get anything. 

I contacted Equifax and filed XXXX disputes ( XX/XX/XXXX and XX/XX/XXXX ) to get this resolved. Equifax said that the information will remain the same each investigation took a matter of XXXX hours. I do not know how the investigation was conducted. 

As part of my dispute, I provided Equifax with the credit report from XXXX that shows that this business initially reported this account to XXXX in XXXX, but the initial collection date of this account remains at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX - XXXX XXXX Balance : {$910.00}, 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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have been on the phone all day with these crooked people from XXXX. I have been explaining to them that I have been affected by the data breaches and I need to have the information removed immediately. They tell me that all they can do is file a dispute, then tell me the account numbers are missing from my FTC report. There is no law stating that there has to be a account number on the FTC report. I request a supervisor and the representatives will hang up on me or hold the call and stop talking. I have had this experience with XXXX XXXX XXXX XXXX. It is sad that i have to request their employee number just to reference them after the call ends because they will not get a supervisor. I talked to XXXX supervisors today and I have been on at leasXXXX 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 2018-11-03
Company: Angel Oak Mortgage Solutions LLC
State: CA
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:
Angel Oak Mortgage continues to pull hard inquiries on my XXXX  report every 30-60 days even after filing a complaint, reporting it, and they responding they were not engaging in pulling my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Navient Solutions, LLC.
State: OH
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:
I never attended XXXX and XXXX XXXX to collect any debt from the school. I have tried to reach out to the school to have them remove the loans from my file but they are not helping me at all. I dont know what steps i need to take to have this negative information removed from my credit reports. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: First Technology Federal Credit Union
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear officer, I opened the checking account with First Tech Federal Credit Union ( FCU ), and I wanted to receive the XXXX dollar bonus by completing the direct deposit requirement ( I have attached the deposit requirement term below ). However, after qualifying 3 deposits totaling at least XXXX dollars within 120 days of account opening, the XXXX refused to honor the bonus. I have attached their response as well. 

They claim that my deposit stopped after XXXX even though they DID NOT specify continuous deposit during the 120 days period at all. They only mentioned the deposit need to be maintained in the account for 120 days which I have followed accordingly. I am afraid they are falsely advertising and making up requirements after new users signed up. 

Thank you for your time and help. 

Best regards, XXXX XXXX The offer term : New Direct Deposit Offer : New direct deposit must occur at least once per calendar month from the Participants employer payroll into any account of which the Participant is the primary account owner. Direct deposits from a non-employer payroll source do not qualify. Monthly recurring direct deposit amount must total at least {$1000.00} for a {$200.00} bonus. Initial direct deposit must take place within 60 calendar days of Enrollment. At least three recurring direct deposits must be completed within 120 calendar days of Enrollment and direct deposit must be maintained for 120 calendar days after Enrollment. Only the Participant will receive credit for the direct deposits. Any qualifying bonus will be deposited to the Participants Membership Savings account the first week following 120 calendar days of Enrollment.

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 2023-01-24
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-09-26
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX Navy Federal denied a mortgage refinance because they are deducting my companies loss due to participating in The Paycheck Protection Program from my W2 salary. 

The IRS changed the PPP rules so it's not treated as income, therefore any losses due to me keeping my employees employed during Covid are shown as losses, even though the PPP program reimbused me for these losses. 

I explained this to them and they apparently uneducated on how PPP works. 

They also deducted a {$10000.00} grant from my W2 salary. 

So even though I have an over 800 credit score and no debt other than a truck payment I was denied a non cash out refinance. I have over $ XXXX equity in my house and was even going to pay closing costs out of my own pocket. 

They also refused to consider my XXXX W2 Salary and my companies 2021 year to date profit. 

They are clearly treating small business owner unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Debt Recovery Solutions, LLC
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:
XXXX XXXX Solutions was added to my credit report in the past. It was taken off because I wrote to them and asked for any legal contract with my signature on it from their company and they could not provide. I have never did business with their company so by law they have no business putting anything on my report. All of these agencies who are buying contracts from other businesses are not allowed to put any negative reports on anybody account, I don't know why you guys keep allowing it. If they can not provide you with my signature on a debt recovery solutions contract, please take off again for the second time. I appreciate all of your help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XX/XX/2022 XXXX XX/XX/2022

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 2023-01-24
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COMPLAINT ID XXXX Source Receivables Management reviewed my complained and stated as follows : The last payment was posted against past due balances. A balance remained after this payment was made. 
I am attaching the XXXX bill which confirms my last payment on XX/XX/09, balance forward " XXXX ''. " This account was activated as post-paid and not pre-paid ''. " This account was activated as post-paid ''. Paid two months in advance after activation, proof attached.

Company response to consumer: Closed with explanation